Consumer complaint received 2026-02-16 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: NM

Complaint narrative:
CFPB NEW Complaint Failure to Provide Proper Debt Validation / Fraudulent Documentation Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NM XXXX Company : Aldous & Associates P.L.L.C. 
XXXX XXXX XXXX XXXXXXXX, UT XXXX Phone : XXXX Account Number : XXXX Original Creditor : Defined Fitness Complaint Summary This complaint concerns Aldous & Associates P.L.L.C.s failure to provide proper debt validation and their continued reporting of a disputed and fraudulent account to credit reporting agencies. 
The CFPB previously closed my complaint after Aldous stated they would provide documentation. They have now provided documents, but the documents do not validate the debt and contain fraudulent signatures and unauthorized financial information. 
1. Aldous Is Not the Original Creditor and Has Not Proven Legal Standing Aldous & Associates admits in writing that Defined Fitness is the original creditor. However, they have not provided : A Forward Flow Agreement A Sale/Assignment Agreement A Contract authorizing them to collect Proof they purchased or were legally assigned this alleged debt As a law office acting as a debt collector, they are required to establish legal standing. No competent evidence of assignment has been produced.

XXXX. Membership Expired in XXXX No Renewal Agreement The Membership Agreement provided shows : Agreement Date : XX/XX/XXXXXXXX  Renewal Date : XX/XX/XXXX There is no signed renewal agreement after XX/XX/XXXX. 
However, Aldous is attempting to collect charges dated : XX/XX/XXXX XX/XX/XXXXXXXX  XX/XX/XXXXXXXX XXXX XXXX  There is no contractual basis for charging me three years after the membership expired. 
3. Fraudulent Signatures and Unauthorized Card Information The documents provided contain signatures and financial information that are not mine : The signature on the Member line is not my signature.

The debit/credit card ending in XXXX is not own by XXXX XXXX The XXXX authorization signature is not mine. 
The initials on the agreement are not mine. 
The signature on the final page is not mine. 
These are material discrepancies that raise serious concerns of fraud or identity misuse. 
Despite being notified of these issues, Aldous continues collection efforts and credit reporting. 
4. Failure to Provide Proper Debt Validation ( FDCPA Violation ) Under 15 U.S.C. 1692g, proper validation requires : Proof of a legally enforceable obligation Proof of assignment/authority to collect An accurate accounting of the amount owed A contract binding the consumer A copy of a disputed XXXX agreement does not validate XXXX charges. 
5. Continued Credit Reporting After Dispute ( FCRA Concern ) This account is reporting on my credit file.

The debt has been formally disputed. 
If Aldous verified this account without conducting a reasonable investigation into the forged signatures, expired contract, and lack of assignment, this may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

6. Medical Hardship I was seriously XXXX  from XX/XX/XXXX through XX/XX/XXXX and was not maintaining a gym membership during that period. 
Any claim that I renewed or maintained a membership during that time is factually incorrect. 
Requested Resolution I am requesting that the CFPB require Aldous & Associates to : Provide competent proof of assignment and legal standing. 
Provide a valid signed renewal agreement after XX/XX/XXXX. 
Address the fraudulent signature. 
Cease all collection activity if proper validation can not be produced. 
Immediately delete this account from all credit reporting agencies if validation can not be established. 
This account is disputed in full. 
I request supervisory review due to the serious nature of forged signatures and improper credit reporting.

Company response to consumer: Closed with explanation