Debt collection -- Written notification about debt -- Complaint #12658435
Complaint Overview
Complaint ID: 12658435
Company: Aldous & Associates, Pllc
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Georgia
ZIP Code: 30117
Date Received: 2025-03-25T12:00:00-05:00
Date Sent to Company: 2025-03-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a debt reported by Aldous & Associates PLLC, which was allegedly transferred from XXXX XXXX XXXX XXXX. I was hospitalized during this time and have documentation to prove that I had no access to email or electronic communication and could not receive or respond to any notices. I never received a validation of this debt despite requesting it multiple times. This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, which requires debt collectors to provide full verification of the debt upon request. I also never gave Cottage Row permission to assign or sell my account to a third-party collector. This unauthorized transfer is a violation of my consumer privacy and possibly my HIPAA rights, as this situation involves my protected medical status during the time the alleged debt collection process began. I have never agreed to pay Aldous & Associates, and they have provided no proof of a valid contract or agreement that binds me to them. No legally binding terms or signed agreements were ever presented. This collection account was reported to my credit file without my consent, without proper notice, and without validation. It has caused damage to my credit and personal hardship. I am requesting this account be removed immediately from all credit reporting bureaus until it is fully validated, and that an investigation be opened into how this debt was transferred and reported without proper documentation or legal authority.
Frequently Asked Questions
What is Complaint #12658435 about?
Complaint #12658435 was filed against Aldous & Associates, Pllc regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-03-25T12:00:00-05:00.
How did Aldous & Associates, Pllc respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Aldous & Associates, Pllc?
Yes, visit the Aldous & Associates, Pllc company profile at readthecomplaint.com/company/aldous-associates-pllc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.