Debt collection -- Attempts to collect debt not owed -- Complaint #18064815
Debt Collector Pursues Incorrect Debt with Slow Response
Complaint Overview
Complaint ID: 18064815
Company: Williamson And Brown, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30096
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the debt collector is pursuing a debt that the consumer claims is not theirs, and their delayed response suggests potential issues with their dispute resolution process.
Consumer Sentiment: negative
Topics: Debt collection, Improper debt collection, Disputed debt
AI Analysis
CFPB complaint 18064815 was filed against Williamson and Brown, LLC regarding Debt collection (Other debt), specifically about "Attempts to collect debt not owed". A consumer reported that Williamson and Brown, LLC attempted to collect a debt that was not theirs, and the company provided an untimely response to the consumer's dispute. The complaint was received on November 30, 2025 from Georgia. The company responded with "Untimely response".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communication and documentation related to the debt, and consider sending a certified letter disputing the debt.
Legal Context & Consumer Protection Laws
Debt collectors must validate debts and cease collection efforts if a consumer disputes the debt's validity, and respond to disputes within a specified timeframe.
Regulatory Insight
This situation highlights the importance of timely and accurate responses from debt collectors when consumers dispute the legitimacy of a debt.
Resolution Likelihood
mixed
State-Specific Consumer Protections
Georgia law, like federal law, requires debt collectors to be truthful and not engage in deceptive practices when attempting to collect debts.
Industry Comparison
This issue is common across the debt collection industry, where errors in identifying the correct debtor or validating the debt can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18064815 about?
CFPB complaint 18064815 involves Debt collection (Other debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Williamson and Brown, LLC on November 30, 2025.
Which company is complaint 18064815 filed against?
Complaint 18064815 was filed against Williamson and Brown, LLC. You can view all complaints against this company on their profile page at /company/williamson-and-brown-llc.
What was the company's response to complaint 18064815?
Williamson and Brown, LLC responded with "Untimely response". The response was NOT marked as timely by the CFPB.
When was complaint 18064815 filed?
Complaint 18064815 was received by the CFPB on November 30, 2025. It was sent to Williamson and Brown, LLC on November 30, 2025.
What state was complaint 18064815 filed from?
Complaint 18064815 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 18064815?
Dispute information is not available for complaint 18064815.
What product category is complaint 18064815 about?
Complaint 18064815 is categorized under "Debt collection", specifically "Other debt". This is one of the product categories tracked by the CFPB.
How was complaint 18064815 submitted?
Complaint 18064815 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18064815?
Debt collectors must validate debts and cease collection efforts if a consumer disputes the debt's validity, and respond to disputes within a specified timeframe. This relates to a Debt collection complaint against Williamson and Brown, LLC involving "Attempts to collect debt not owed".
How likely is complaint 18064815 to be resolved?
Resolution likelihood: mixed. The company's current response is "Untimely response".
What does the risk level mean for complaint 18064815?
This complaint is rated as medium risk. The risk is medium because the debt collector is pursuing a debt that the consumer claims is not theirs, and their delayed response suggests potential issues with their dispute resolution process.
What regulatory actions apply to complaint 18064815?
This situation highlights the importance of timely and accurate responses from debt collectors when consumers dispute the legitimacy of a debt. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18064815?
Consumers should keep detailed records of all communication and documentation related to the debt, and consider sending a certified letter disputing the debt.
Are there state-specific protections for complaint 18064815?
Georgia law, like federal law, requires debt collectors to be truthful and not engage in deceptive practices when attempting to collect debts. This complaint was filed from Georgia.
How does complaint 18064815 compare to industry norms?
This issue is common across the debt collection industry, where errors in identifying the correct debtor or validating the debt can occur.
What steps can a consumer take if a debt collector continues to pursue a debt they claim is not theirs after disputing it?
The consumer can send a formal dispute letter, file a complaint with the CFPB or their state Attorney General, and consult with a consumer protection attorney.
What are the consequences for a debt collector who fails to respond to a debt dispute in a timely manner?
Failure to respond timely can lead to violations of the FDCPA, potentially resulting in legal action against the debt collector and penalties.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.