Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
Date of Complaint : XX/XX/2026 Respondent ( Debt Collector ) : ALDOUS Respondent Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Alleged Balance : {$2800.00} Validation / Cease & Desist Letter Sent : XX/XX/2026 Credit Bureaus Reporting : XXXX, XXXX, XXXX FORMAL STATEMENT OF FACTS I, XXXX XXXX, am submitting this formal complaint against ALDOUS for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ALDOUS is currently furnishing and reporting a collection account in the amount of {$2800.00} to XXXX or more consumer reporting agencies. The information being reported is disputed due to concerns of inaccuracy, lack of proper verification, and potential expiration under governing reporting laws. On XX/XX/2026, I formally notified ALDOUS in writing via Certified Mail, requesting the following : Immediate cessation of all collection activity Full and complete validation of the alleged debt Removal of any unverified or inaccurate reporting from my credit file As of the filing of this complaint, ALDOUS has failed to provide the required validation and continues to report this account, despite being placed on notice. ALLEGED FEDERAL LAW VIOLATIONS Violation XXXX Failure to Conduct a Reasonable Investigation ( FCRA 15 U.S.C. 1681s-2 ( b ) ) After receiving notice of dispute, ALDOUS is legally obligated to perform a reasonable investigation and correct or delete any information that can not be verified. Their continued reporting of this account without substantiating its accuracy constitutes noncompliance with federal law. Violation 2 Reporting Obsolete or Time-Barred Information ( FCRA 15 U.S.C. 1681c ( a ) ( 4 ) ) The account appears to exceed the permissible reporting period and/or is beyond the applicable statute of limitations. Additionally, the absence or inconsistency of the Date of First Delinquency raises serious concerns regarding compliance. Continued reporting under these conditions may be misleading and violates FDCPA 15 U.S.C. 1692e, which prohibits deceptive collection practices. Violation 3 Inadequate Debt Validation ( FDCPA 15 U.S.C. 1692g ) ALDOUS has not provided sufficient documentation to validate the alleged debt. Specifically, there has been no evidence of : A signed agreement establishing liability A complete payment or account history Proof of assignment or authority to collect Failure to provide this information after a proper request is a direct violation of federal debt collection standards. Violation 4 Continued Activity After Cease and Desist Notice ( FDCPA 15 U.S.C. 1692c ( c ) ) Despite receiving written instruction to cease communication and collection efforts, ALDOUS has continued reporting and attempting to collect on this account. This behavior disregards statutory requirements and constitutes unlawful collection activity. IMPACT AND DAMAGES As a direct result of these actions, I have experienced : Negative impact to my credit profile and score Loss of access to financial opportunities, including credit and housing Increased financial burden due to higher interest rates Emotional and mental distress REQUEST FOR RESOLUTION I respectfully request that the Consumer Financial Protection Bureau take the following actions : Initiate an investigation into ALDOUS reporting and collection practices Require the immediate deletion of the disputed account from all consumer reporting agencies Ensure compliance with all applicable federal statutes Impose appropriate penalties for violations Hold the company accountable for damages pursuant to : FDCPA 15 U.S.C. 1692k FCRA 15 U.S.C. 1681n DOCUMENTATION AVAILABLE Supporting records are available upon request, including : Copy of written dispute / validation request Certified Mail confirmation Credit report evidence showing the account All documentation has been retained for evidentiary purposes. I declare under penalty of perjury that the statements provided herein are true and accurate to the best of my knowledge. Respectfully Submitted, Date XX/XX/2026

Company response to consumer: Closed with explanation