Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Aldous & Associates , PLLC XXXX XXXX XXXX XXXX XXXX  XXXX UT XXXX Re : Formal Demand for Validation of Alleged Debt Account # XXXX Amount : {$440.00} To Whom It May Concern, This letter is being sent in response to an entry on my credit report and your communications regarding an alleged debt identified as Account # XXXX in the amount of {$440.00}. I do not acknowledge this debt and I dispute your right to collect it. 

This is a formal demand for full and verifiable validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a demand for documentation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. You are not authorized to assume this debt is valid or continue any collection activity until you have provided the complete documentation requested below.

You are required to produce the following documents legible, complete, and signed where applicable : The original signed contract or agreement bearing my signature that establishes any legal obligation for this alleged debt. ( A billing summary or statement is not sufficient. ) A complete chain of assignment or title, showing every transfer, sale, or assignment of this debt from the original creditor to any subsequent owners, and finally to you. Each assignment must be signed and dated. 

Proof that you currently own or have been legally assigned this debt, including the bill of sale and all relevant documentation demonstrating your legal right to collect. 

A complete and itemized accounting from the original creditor that clearly explains how the alleged balance of {$440.00} was calculated, including dates of all transactions, charges, credits, and payments. 

The name, address, and contact information of the original creditor, along with the date the account was opened and charged off. 

Copies of all correspondence or communications you claim were sent to me, with proof of delivery.

Proof of your license and authorization to collect debts in the State of Illinois, including your license number, registration, and bonding information. 

Any judgment or court documentation you rely upon to collect this debt. If none exists, you must confirm that in writing. 

Until this documentation is provided, you must immediately : Cease all collection efforts, including calls, letters, emails, or other communication attempts. 

Cease reporting or verifying this account with any credit reporting agencies. 

Refrain from selling, assigning, or transferring this alleged debt to any third party. 

If this account has been reported to any credit bureaus, you must mark it as in dispute immediately and provide written proof of that action. 

If you can not or will not provide the full and complete validation within 30 days, you are legally required to : Delete this account from all credit reporting agencies and provide written confirmation of deletion. 

Cease all collection activity related to this account. 

Continuing to collect, verify, or report this account without proper validation constitutes a direct violation of the FDCPA and FCRA. If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. I also reserve the right to pursue civil remedies, including statutory damages, attorneys fees, and costs, to the fullest extent permitted by law. 

This is not a request for an explanation or summary it is a demand for verifiable proof. Produce the documents requested above or delete this account immediately and cease all collection activity. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation