Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Subject : Formal Complaint Against Aldous & Associates PLLC for Legal Violations, Cease Communication, and Request for Proof of Debt Ownership * * Dear CFPB Representative, I am writing to file a formal complaint against * * Aldous & Associates PLLC * *, whom I believe to be in violation of my consumer rights under federal law. Their collection practices and failure to adhere to legal requirements have caused me significant distress and potential harm to my credit profile. 

Possible Violations : * * Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. * * - * * 1692g * * Failure to provide written debt validation within five days of initial communication and to cease collection until the debt is verified.

- * * 1692e * * Use of false, deceptive, or misleading representations during debt collection.

- * * 1692f * * Use of unfair or unconscionable means to collect a debt.

- * * 1692c ( c ) * * Continued communication after written request to cease contact.

- * * 1692d * * Harassment, oppression, or abuse in connection with debt collection.

* * Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. * * - * * 1681s-2 ( a ) * * Furnishing information known to be inaccurate.

- * * 1681s-2 ( b ) * * Failure to investigate and correct information after a dispute. 
- * * 1681b * * Obtaining a consumer report without a permissible purpose. 
Specific Complaints : - Aldous & Associates PLLC has failed to validate the alleged debt as required by * * FDCPA 1692g * *, and continued collection efforts despite my dispute. 
- They have ignored my written demand to * * cease all communication * *, violating * * 1692c ( c ) * *. 
- They have potentially reported inaccurate or unverified debt to credit bureaus in violation of the * * FCRA * *. 
- I have * * not been provided a copy of the purchase agreement, assignment of debt, or any documentation * * proving they have legal authority to collect this debt. This raises serious questions about the legitimacy of their claim. 

Formal Demands : I hereby request the CFPB to take the following actions : 1. Investigate Aldous & Associates PLLC for the above violations. 
2. Compel them to * * cease all communications * * with me immediately. 
3. Require them to * * provide full validation of the alleged debt * *, including : - The * * purchase or assignment agreement * * from the original creditor, - A full * * accounting of the alleged debt * * from inception, - The original creditors * * name and contact information * *, - Proof that Aldous & Associates has the legal right to collect on this debt. 
4. Instruct them to * * remove any unverifiable or inaccurate information * * from my credit reports.

5. Impose appropriate penalties or sanctions as authorized under federal law.

I am enclosing all relevant correspondence and am willing to provide additional evidence if needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation