Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Greetings I am Contacting you at CFCB to Dispute of inaccurate information and collection report with ALDOUS AND ASSOCIATES. The have not removed this false information and derogatory remark from my transunion report. the information is unverified, inaccurate, and illegal reporting to my transunion credit file. 

on XX/XX/year> RE : ALDOUS AND ASSOCIATES Subject : Request for Full Removal of False Claims and collections Associated Account from Credit Report Dear CFPB I am writing to formally request the full removal of the account associated with ALDOUS AND ASSOCIATES Permanently from my credit report. This account is inaccurately and fraudulently reported, as I was not provided with the legally required notices or rights to redeem under UCC Article 9. Additionally, ALDOUS AND Associates has failed to provide the following required documents and actions, rendering this repossession and the associated balance invalid : 1. Legal notification or notice of repossession as required by UCC Article 9. 2. Confirmation of the resale via T99T, 1099-T Cancellation of Debt, or 1099C forms. Under 15 U.S. Code 1692f, prohibiting unfair practices, and 15 U.S. Code 1602, which governs credit compliance and disclosures, I am entitled to clarity and transparency regarding the repossession process and associated debts. XXXX XXXX XXXX has failed to meet these legal obligations. Documents Requested : To confirm the legitimacy of this account and alleged repossession, I request the following immediately : 1. The complete original alleged signature from the contract or promissory note. 2. The accounts full transaction history. 3. Any required default or acceleration notice. 4. The notice of sale document, including proof of mailing and receipt. 5. The calculation of surplus or deficiency letter following the sale. 6. Any additional finance contracts, including those related to insurance or finance products. 7. The buyers guide. 8. The purchase order for the vehicle. 9. Any and all licenses, bonds, or registration documents required by state law allowing XXXX XXXX XXXX to hold or service this promissory note. Since you failed to provide proof of the legally required notifications or notices, you are legally obligated to zero out the balance on this account and permanently remove it from my credit report and credit profile. Failure to comply will result in my escalating this matter to regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies. Demand for Resolution : I demand the following actions : 1. Immediate removal of this repossession account and associated balance from my credit profile. 2. Written confirmation of the removal and account closure. 3. Proof of compliance with all legal requirements related to this matter, or an acknowledgment that you can not provide such proof. I am writing to formally dispute inaccurate and fraudulent reporting on my consumer credit report and to request the permanent removal of any associated late fees. These actions are in violation of my rights as a consumer under the following federal laws : 1. 15 U.S. Code 1666b Timing of Payments : Payments are required to be credited on the date of receipt unless otherwise stated. I have reviewed my records, and there is no evidence that my payment ( s ) were appropriately handled in compliance with this law. 2. 15 U.S. Code 1637b : This section specifies guidelines for accurate disclosures and handling of payments and charges. The improper application of late fees and the inaccurate reporting violate the terms outlined under this statute. 3. 15 U.S. Code 1681a ( 2 ) ( I ) : As defined in this section, there is a requirement to ensure that consumer reporting agencies maintain accurate records. The inclusion of fraudulent or inaccurate information directly contravenes these obligations. 4. 15 U.S. Code 6802 : This section emphasizes the protection of consumer privacy and the limitation on sharing nonpublic personal information without proper authorization. The inaccurate reporting appears to have been mishandled in a manner that breaches these protections. 5. 15 U.S. Code 1681a : The Fair Credit Reporting Act mandates that consumer reporting agencies ensure the maximum possible accuracy of the information included in consumer reports. Failure to correct and remove inaccurate or fraudulent items violates this statutory requirement. They are Illegally reporting falsified inaccurate information to the credit Bureaus. Failure to resolve this matter within 14 days will compel me to take further action. Please treat this letter as a formal notice of dispute regarding the inaccurate and unlawful reporting on my credit report. Thank you for your immediate attention to this matter. I look forward to your prompt resolution and confirmation of these actions. Sincerely, XXXX XXXX Re : Debt Validation Request FDCPA Notice I am writing regarding a debt account you claim I owe [ Account # ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p, I request that you provide the following : 1. The name and address of the original creditor.

2. The full amount of the debt claimed.

3. A detailed account of all charges, interest, and fees.

4. Proof that you are legally authorized to collect this debt.

Until this validation is provided, you are prohibited from continuing collection activities, reporting this account to any credit bureau, or sharing information with third parties.

Please respond within 30 days of receipt. Failure to comply may result in legal action seeking actual and statutory damages under FDCPA, including attorney fees.

Re : Dispute of Inaccurate Collection Reporting FCRA Notice I Am disputing the following collection account reported on my credit file Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and the Fair and Accurate Credit Transactions Act ( FACTA ), I request an immediate investigation into the accuracy and validity of this account.

I assert that this account is either inaccurate, unverified, or beyond the statute of limitations. Please remove it from my credit report immediately if it can not be verified.

Failure to comply may result in legal action for actual damages, statutory damages ( {$100.00} {$1000.00} per violation ), and attorney fees.

Enclosed : - Debt validation request - Proof of identity - Payment / account history ( if applicable ) Re : Cease and Desist Illegal Collection / Reporting Dear Debt Buyer/ALDOUS AND ASSOCIATES I am formally notifying you to cease and desist all collection activity regarding the account [ Account # ] and any related reporting to credit bureaus.

Under the FDCPA ( 15 U.S.C. 16921692p ) and FCRA ( 15 U.S.C. 16811681x ), it is unlawful for you to : 1. Harass, threaten, or misrepresent any debt.

2. Sell or transfer the alleged debt without proper authorization.

3. Report unverifiable, inaccurate, or time-barred debts to credit bureaus.

Violation of these federal laws may result in civil liability, including statutory damages, actual damages, attorney fees, and potential criminal liability for fraud or identity theft under applicable state and federal laws.

This notice serves as official documentation of my rights. I am requesting this inaccurate and false information be removed from my XXXX XXXXXXXX file immediately. 

sincerely XXXX XXXX

Company response to consumer: Closed with explanation