Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX | XXXX : XXXX Date : [ Todays Date ] Aldous & Associates , PLLC Attn : Compliance/Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Alleged Debt FCRA & FDCPA Violations To Whom It May Concern, This letter is a formal dispute and validation demand regarding the Aldous & Associates tradeline currently appearing on my credit reports. This tradeline is being reported inconsistently across the three major credit reporting agencies, creating a materially false impression of my creditworthiness.

1. Violations Identified The account is reported as a collection on TransUnion but does not appear consistently across all bureaus.

The balance and dates associated with this account conflict with other reports and furnishers.

No competent evidence has been provided that Aldous & Associates has legal standing to collect or furnish this account.

These discrepancies constitute violations of : FCRA, 15 U.S.C. 1681s-2 ( a ) : Furnishers must provide accurate
and complete information.

FDCPA, 15 U.S.C. 1692g : A collector must provide proper validation of the debt and demonstrate authority to collect.

Metro 2 Reporting Standards : Collectors must not misreport balance, ownership, or account status. 

2. Legal Authority XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) : CRAs and furnishers must conduct meaningful investigations into disputed debts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : Reporting a debt inaccurately or without legal standing is actionable under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : Debt collectors must maintain competent evidence of assignment and ownership before reporting. 

3. Demands Accordingly, I hereby demand the following : Immediate deletion of the Aldous & Associates tradeline from all credit reports.

If you claim authority to collect, provide full validation, including : Original signed agreement Complete chain of assignment from the original creditor Proof that Aldous has current standing to collect and report Cease all collection activity until validation is produced. 

Compensate me for damages caused by these violations.

4. Damages Sought Based on the severity of misreporting and unlawful collection activity, I am seeking {$20000.00} in damages, broken down as follows : {$1000.00} statutory damages under the FCRA {$1000.00} statutory damages under the FDCPA {$8000.00} for emotional distress and credit harm {$10000.00} for time, costs, and punitive relief If this matter is not resolved within 30 days, I will escalate to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission, and initiate civil litigation to enforce my rights. 

This is not a request it is a legal demand. All rights reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation