I Analyzed Complaints Involving Aldous & Associates. Here’s What I Found

Who Is Aldous & Associates?

Aldous & Associates is a debt collection agency based in Holladay, Utah. Public business records show that the company collects consumer debts on behalf of creditors.

Consumers typically encounter Aldous & Associates when:

• They receive phone calls or letters attempting to collect a past-due account, or
• The company appears as a collection account on a credit report, often after an original creditor places the account with a third-party collector.

How I Analyzed Complaints

I have practiced consumer protection law for nearly twenty years, with a focus on the Fair Debt Collection Practices Act (FDCPA) and credit reporting disputes.

For this article, I reviewed more than 1,200 CFPB complaint narratives referencing Aldous & Associates. CFPB complaints are useful because they capture first-hand consumer experiences, even when disputes never escalate to lawsuits or enforcement actions.

These complaints reflect consumer perspectives, not verified findings of misconduct.

What the Complaints Describe

Based on frequency and narrative content, five complaint themes appear most often:

• Phone calls and communication practices
  The most common theme involves repeated phone calls or voicemails. Consumers often report frequent contact, calls to personal cell phones, or difficulty stopping communications after making a request.
• Credit reporting disputes
  Many consumers state that Aldous & Associates reported a collection account to credit bureaus and that they disputed the accuracy of the information, including balances, account ownership, or status.
• Debt verification concerns
  A large number of complaints describe requests for written debt validation. Consumers allege that responses were delayed, incomplete, or did not clearly establish that the debt was valid.
• Debt not owed or identity-related issues
  Consumers frequently report that the debt did not belong to them, involved mistaken identity, or resulted from identity theft. These complaints often overlap with credit reporting disputes.
• Allegations the debt was already paid or resolved
  Some consumers state the account had been paid, settled, or otherwise resolved before Aldous & Associates attempted to collect or report it.

Sample Consumer Complaints

The following examples are from the CFPB complaint data involving Aldous & Associates.

1. “This company started requesting I pay off a debt to a fitness gym I’ve never entered or remember enrolling into, they threatened if I didn’t pay they would be reporting to my credit bureau and it would impact my credit. They have been holding my credit REDACTED for a payment to a gym I never been to or signed up to.”
2. “Aldous & Associates, P.L.L.C. keeping emailing and calling me.”
3. “I am asking for them to validate this debt. I have never done business with these people or communicates with them.”
4. “This company, Aldous & Associates, keeps calling me. I have confirmed with the company that they claim I have a debt with that I do not have a debt and collections has not been sold to them and that my payment has been paid in full for some time now, 2+ years. I have reviewed all credit reports to verify I do not have any past due debts and can confirm that I am in good standing with all of my debtors. They keep calling my cell, my work and family members after I have asked them not to and I have already filed a police report for harassment. I do not know what this debt is for and they are all over the place with their explanations when they call.”

How Federal Law Applies

The FDCPA regulates third-party debt collectors by setting rules for:

• Communication practices, including limits on harassment and when collectors may contact consumers
• Debt verification, requiring collectors to provide verification when a debt is disputed in writing
• Credit reporting, which must be accurate and properly updated when disputes are raised
• Misleading or deceptive conduct, including misstatements about the amount or status of a debt

Whether a collector’s conduct violates the law depends on the specific facts of each situation.

What Consumers Can Do

Consumers dealing with a collection account may consider:

• Requesting written debt validation within the timeframe allowed by law
• Keeping records of phone calls, letters, and credit reports
• Disputing inaccurate credit reporting directly with credit bureaus
• Avoiding payment until the debt has been properly verified

These steps can help consumers protect their rights and document disputes.

Get Legal Help

If a debt collection issue cannot be resolved through disputes or direct communication, some consumers choose to speak with a law firm that focuses specifically on consumer protection law. Lemberg Law represents consumers nationwide in matters involving the FDCPA and credit reporting disputes.

We offer free case evaluations and do not charge upfront fees. In FDCPA matters, legal fees are typically paid by the debt collector if a consumer prevails, rather than by the consumer. Lemberg Law can review the specific facts, documents, and communications involved and explain whether federal consumer protection laws may apply.