Debt collection -- Attempts to collect debt not owed -- Complaint #18865576
Complaint Overview
Complaint ID: 18865576
Company: Audit & Adjustment Co. INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Washington
ZIP Code: 982XX
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2026-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Pursuant to 15 U.S.C. 1692g ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX [ Insert Date ] Audit and Adjustment XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX Subject : Dispute of Collection Account Pursuant to 15 U.S.C. 1692g Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Dear Audit and Adjustment, I am writing to formally dispute the validity of a collection account that you claim I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and constitutes a request for full validation of the alleged debt referenced above. Account Information Creditor Name : ( Insert the original creditors name if known ; if not, leave Unknown provide documentation ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleged Amount : ( Provide the amount listed, or leave blank to force them to provide it ) I am exercising my rights under the FDCPA and request the following : Verification or proof of the alleged debt, including the original creditors full name, address, and itemized statement. Documentation evidencing that Audit and Adjustment has legal authority to collect this debt, including the chain of assignment and authorization. A complete accounting of the alleged debt, including all charges, fees, interest, and how the balance was calculated. A copy of the agreement bearing my signature that authorizes the creditor to assign or sell this alleged debt to your agency. Proof that the statute of limitations has not expired for this alleged debt. I understand that under 15 U.S.C. 1692g, you are required to provide the requested validation within 30 days of receiving this letter. Until you provide complete validation, you must cease all collection activity, including reporting or updating any information to the credit bureaus. Failure to validate the debt will constitute acknowledgment that the alleged debt is not valid, and you must promptly remove or cease reporting this collection from my credit file. Please send all correspondence regarding this matter to the mailing address listed above. Thank you for your prompt attention to this dispute and for maintaining compliance with federal FDCPA regulations. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #18865576 about?
Complaint #18865576 was filed against Audit & Adjustment Co. INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
How did Audit & Adjustment Co. INC. 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 Audit & Adjustment Co. INC.?
Yes, visit the Audit & Adjustment Co. INC. company profile at readthecomplaint.com/company/audit-adjustment-co-inc 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.