Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am filing this complaint against ALDOUS & ASSOCIATES PLLC for WILLFUL VIOLATIONS of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and New York State licensing laws. EXHIBIT LIST ( Attached ) : Exhibit Description Exhibit A My XX/XX/XXXXXXXX dispute letter to ALDOUS & ASSOCIATES PLLC ( Account # XXXX XXXX XXXX {$140.00} ) Exhibit B Certified Mail Return Receipt showing delivery on XX/XX/XXXXXXXX ( tracking enclosed ) Exhibit C NMLS Consumer Access screenshot ALDOUS & ASSOCIATES PLLC ( NMLS # XXXX ) showing NO NEW YORK LICENSE On XX/XX/XXXX, I sent a formal written dispute via CERTIFIED MAIL RETURN RECEIPT REQUESTED to Aldous & Associates regarding an alleged debt of {$140.00} from XXXX XXXX ( Account # XXXX ). My dispute letter explicitly stated : " THIS DEBT IS NOT MINE '' " I have no knowledge of this account '' " I never had any relationship with XXXX XXXX '' " CEASE ALL COLLECTION ACTIVITY including credit reporting '' " DELETE this tradeline from XXXX '' Delivery confirmed : USPS tracking shows delivery on XX/XX/XXXXXXXX ( Exhibit B ). NMLS Verification ( Exhibit C ) : Aldous & Associates PLLC ( NMLS # XXXX ) holds NO LICENSE TO COLLECT DEBTS IN NEW YORK STATE. I reside at XXXX XXXX XXXX, XXXX, NY XXXX. Their NMLS profile shows they are only licensed in Utah. 30-day validation period expired : XX/XX/XXXXXXXX ( 30 days from receipt ). Current status ( XX/XX/XXXXXXXX ) : Aldous & Associates has : FAILED to provide any validation of the alleged debt FAILED to delete the tradeline from my credit report CONTINUED reporting to XXXX ( Exhibit D ) NEVER responded in any manner CRITICAL DISCREPANCY : This alleged debt appears ONLY ON XXXX. It is completely absent from XXXX and XXXX. A legitimate debt does not appear on only one credit bureau. VIOLATION # 1 : 15 U.S.C. 1692g ( a ) FAILURE TO PROVIDE VALIDATION NOTICE Aldous & Associates failed to provide the written validation notice required within FIVE DAYS of their initial communication. I have never received any notice from them regarding this alleged debt. This is a PER SE VIOLATION of 1692g ( a ). VIOLATION # 2 : 15 U.S.C. 1692g ( b ) CONTINUED COLLECTION WITHOUT VALIDATION After receiving my certified written dispute on XX/XX/XXXX, Aldous was required to CEASE ALL COLLECTION ACTIVITY until validation was provided. Instead, they CONTINUED REPORTING this disputed debt to XXXX. Legal Authority : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit reporting during the validation period constitutes " collection activity '' prohibited by 1692g ( b ). Duration : From XX/XX/XXXXXXXX through present ( XX/XX/XXXXXXXX ) 12+ days of continued reporting and counting. VIOLATION # 3 : 15 U.S.C. 1692e ( 2 ) ( A ) FALSE REPRESENTATION OF CHARACTER/AMOUNT Reporting this debt as " Paid off '' falsely represents the character and legal status of the alleged debt, especially given that : I have no knowledge of this debt I never had any relationship with XXXX XXXX The debt appears on only one bureau VIOLATION # 4 : 15 U.S.C. 1692e ( 5 ) THREATENING ACTION THAT CAN NOT LEGALLY BE TAKEN By attempting to collect a debt in New York while holding NO NEW YORK LICENSE, Aldous implicitly threatens legal action they can not take. An unlicensed entity has NO STANDING TO SUE in New York courts. Legal XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Unlicensed collection is an unfair practice under XXXX. VIOLATION # 5 : 15 U.S.C. 1692e ( 8 ) FALSE CREDIT INFORMATION Aldous is reporting this debt to XXXX WITHOUT NOTING IT IS DISPUTED. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) 1692e ( 8 ) imposes a NEGLIGENCE STANDARD : debt collectors must exercise reasonable care to avoid reporting false information. Aldous 's complete failure to investigate or suppress reporting after receiving my certified dispute demonstrates GROSS NEGLIGENCE.

Company response to consumer: Closed with explanation