|
10885739
|
2024-11-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-21
|
| Complaint What Happened |
I keep getting calls to my cell phone asking for me to call regarding a debt
|
| Consumer Consent Provided |
Consent provided
|
|
|
11451716
|
2025-01-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
|
|
11452553
|
2025-01-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
|
|
11453146
|
2025-01-09
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
|
|
11348422
|
2025-01-02
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
|
|
11437840
|
2025-01-09
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-09
|
|
|
6111995
|
2022-10-21
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2022-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10937101
|
2024-11-26
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Rental debt
|
| Date Received |
2024-11-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-26
|
| Complaint What Happened |
I do not owe aldous and associates for any debt, I spoke with an aldous representative on XX/XX/year> they charged {$1.00} to pull up my file used my debit card which signed me up for a membership to XXXX XXXX XXXX which I did not agree to they sent me a copy of the contract which was not signed by the seller XXXX XXXX, I spoke with the credit manager of smartway and she informed me that this was all their mistake but they couldn't do anything about it because it had been turned over to aldous I spoke with aldous again today XX/XX/year> and the supervisor said he didn't know anything about them charging me {$1.00} he wanted my debit card info so they could charge me again they are scamming people by buying debts that aren't correct I do not owe aldous and associates for any debt I have never signed any contract with aldous and associates and I never gave them permission to sign me up for standard scores lic aldous told me if I would pay them about 3/4 of the debt I owed that they would represent me and dispute it and clear my report I have already had most of my report cleared accept for one derogatory remark from aldous please remove the remark and leave me alone again I have never signed any contract with aldous they tried to damage my credit and they still call me please don't allow this to happen anymore
|
| Consumer Consent Provided |
Consent provided
|
|
|
10928978
|
2024-11-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2024-11-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-25
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10632365
|
2024-10-30
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Rental debt
|
| Date Received |
2024-10-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-30
|
| Complaint What Happened |
Aldous & Associates reported me to the credit agency for a debt they said I owed XXXX XXXX XXXX for over {$400.00} I tried to contact XXXX XXXX XXXX and they just kept telling me that their XXXX was not in and he would call me back and he never did, I contacted aldous and they immediately charged me {$1.00} to open the report to find out what was going on I paid and talked to them for several minutes about the debt and they said that XXXX XXXX XXXX was wrong and that they would dispute it and immediately take it off my credit report they also went on to say that they would take all the hard inquiries off my credit report all I had to do was pay them just over {$370.00} why would I have to pay them XXXX to take off their mistake on my credit report, they are scamming people I just got off the phone with them today XXXX/XXXX/24
|
| Consumer Consent Provided |
Consent provided
|
|
|
6141450
|
2022-10-28
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-28
|
| Complaint What Happened |
Aldous & Associates is a third-party collector and I gave no one consent to contact me, they have harassed me several times. Threatening to sue me over the phone. No permissible purpose was given to this corporation on my behalf. They are violating my rights. I have sent in a debt validation request and demanded a response within 30 days, No response was ever given. They have been put on notice and had 10 days to remove the account from my consumer and FAILED to do, this is illegal. This company fails to respond to me.
15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports
|
| Consumer Consent Provided |
Consent provided
|
|
|
10630424
|
2024-10-30
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6239425
|
2022-11-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2022-11-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-23
|
| Complaint What Happened |
On XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that ALDOUS AND ASSOCIATES had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$230.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. ALDOUS AND ASSOCIATES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
10074516
|
2024-09-10
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2991405
|
2018-08-14
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2018-08-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On or around XX/XX/2018 I pulled my credit report. I had been alerted that I had a creditor in the name of Aldous & Associates, P.L.L.C under the Derogatory Marks. I immediately clicked on the company info and retained a phone number, I called the company to inquire about what this debt was about? They had indicated that I had a gym membership with XXXX that had not been fulfilled. I indicated, your company must have a mistake because I have finished the 12 month contract and I also have an email where I cancelled membership, I emailed the company to cancel membership as directed to by a XXXX employee. They were nice at first and requested I send them a copy of the email, I did. a couple days later I followed up, the representative I was speaking with indicated they verified the email with the company and indicated they were told this was an improper way to cancel membership and would not be valid. He then proceeded to request payment. I indicated there was a mistake and I would contact XXXX personally. I then proceeded to call XXXX, they indicated they have since turned my account over to Aldous & Associates and would need to make contact. I then proceeded to call Aldous & Associates back and request a copy of the original contract that was signed. They indicated I would need to send a letter in writing. I then proceeded to send formal, certified letter to the company. The first letter was on XX/XX/2018 I had no response. I then sent another letter to the company on XX/XX/2018, also certified. within these letters I informed the company they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure " notice of dispute '' within 30 day period and the company is reporting inaccurate information to the credit bureau. I then received a letter from the company on XX/XX/2018 showing the account is " Verified '', Since this began in XX/XX/XXXX I have been on a constant monitor of my credit report and after several attempts with Aldous and Associates they have yet to remove the inaccurate information from my credit report. I then proceeded to send a third letter on XX/XX/XXXX and still to date have not had another response from the company besides phone calls all day long requesting payment. I have looked at my credit report every month and they continue to report inaccurate information, even after violating the Fair Credit Report Act. I have certified letters, bearing signatures signed for them and have copies of my credit report to verify all information listed above.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7781954
|
2023-10-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-10-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-31
|
| Complaint What Happened |
Illegitimate company tried to say i owed them money. They are harassing me and threatening to damage my credit if I do not pay up.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6980238
|
2023-05-15
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7105011
|
2023-06-12
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2023-06-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-12
|
| Complaint What Happened |
I am filing this complaint against Aldous & Associates, a debt collection agency that is trying to collect an incorrect and unfair amount from me for a gym membership. On XX/XX/2023, I received a notice from Aldous & Associates stating that I owe {$200.00} for the gym membership. This amount is incorrect and does not reflect my agreement with XXXX. The actual amount is {$120.00}. I have proof of my agreement with XXXX, my actual owed amount on the XXXX app, and the notice from Aldous & Associates. I have tried to contact Aldous & Associates by phone several times to dispute this amount and request validation of the debt, but I have never been able to reach anyone. Their phone number always rings busy or goes to a full voicemail. This is unacceptable and unprofessional. It violates my rights under the Fair Debt Collection Practices Act and causes me undue stress and inconvenience. I request that the Consumer Finance Protection Bureau investigate this matter and take appropriate action against Aldous & Associates. I also request that Aldous & Associates stop contacting me until they provide me with a written validation of the debt and correct the amount they are trying to collect from me. Please send all future mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Or contact me at XXXX / XXXX Thank you for your attention and assistance
|
| Consumer Consent Provided |
Consent provided
|
|
|
4754581
|
2021-09-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2021-09-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-25
|
| Complaint What Happened |
After waiting over 180 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
|
| Consumer Consent Provided |
Consent provided
|
|
|
5765488
|
2022-07-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-07-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5765480
|
2022-07-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-07-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9156195
|
2024-06-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Aldous & Associates, PLLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-06-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-01
|
| Complaint What Happened |
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that ALDOUS had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that ALDOUS open account was opened on XX/XX/year> with a balance of {$240.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. ALDOUS AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
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| Consumer Consent Provided |
Consent provided
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|
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4802410
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2021-10-12
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
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| Timely |
Yes
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| Company |
Aldous & Associates, PLLC
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| Product |
Debt collection
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| Sub Issue |
Debt is not yours
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| Sub Product |
I do not know
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| Date Received |
2021-10-12
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-10-12
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| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
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| Consumer Consent Provided |
Consent not provided
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9434743
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2024-07-05
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Took or threatened to take negative or legal action
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Debt collection
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|
| Tags |
Servicemember
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| Issue |
Took or threatened to take negative or legal action
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| Timely |
Yes
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| Company |
Aldous & Associates, PLLC
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| Product |
Debt collection
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| Sub Issue |
Threatened or suggested your credit would be damaged
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| Sub Product |
Other debt
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| Date Received |
2024-07-05
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-07-05
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| Complaint What Happened |
I am not liable for this debt with XXXX XXXX. I do not have nor signed a contract with the collections agency. They did not provide me with the original contract and violated 50 U.S. Code 3956 - Termination of certain consumer contracts as I am an XXXX XXXX Service Member.
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| Consumer Consent Provided |
Consent provided
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8953721
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2024-05-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
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| Company |
Aldous & Associates, PLLC
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| Product |
Debt collection
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| Sub Issue |
Debt was result of identity theft
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| Sub Product |
Other debt
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| Date Received |
2024-05-07
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-05-07
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| Consumer Consent Provided |
Consent not provided
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|
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12056866
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2025-02-13
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Incorrect information on your report
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Credit reporting or other personal consumer reports
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|
| Issue |
Incorrect information on your report
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| Timely |
Yes
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| Company |
Aldous & Associates, PLLC
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Information belongs to someone else
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| Sub Product |
Credit reporting
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| Date Received |
2025-02-13
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2025-02-13
|
|
