Validation of Debt Request - CONSUMER ADJUSTMENT CO - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
CFPB COMPLAINT DATABASE
Consumer Adjustment Company Incorporated
88 real consumer complaints filed against Consumer Adjustment Company Incorporated at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Attempts to collect debt not owed49
- 02False statements or representation13
- 03Written notification about debt9
- 04Incorrect information on your report6
- 05Took or threatened to take negative or legal action3
Top states filing
Recent complaints
The 30 most recent complaints against Consumer Adjustment Company Incorporated where the consumer chose to publish their narrative.
A collection consumer adjustment XXXX in the amount of XXXX was reported to my credit as late and it was added to my collections report. I have been closely monitoring my credit since XX/XX/XXXX due to in the process of getting a house. I have been talking to my lender to see what collections needed to be removed. I removed all the collections in XX/XX/XXXX that I was responsible for. My wallet was stolen a couple of months ago with my social security card inside. My social security number has been exposed. I am not aware of this new collection that was added to my credit report. It is stopping my house process. I ask that this collection be removed immediately.
I am submitting this complaint regarding a collection account that is currently being reported on my credit report and appears to be inaccurate and improperly validated. A collection account from XXXX adjustment in the amount of {$1700.00} is currently being reported on my credit report. I dispute the validity and accuracy of this alleged debt and the manner in which it is being reported. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying the debt, including but not limited to a signed agreement, original account statements, or documentation proving that I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C.…
CONSUMER ADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJ is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
Validation of Debt Request - CONSUMER ADJUSTMENT/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX Last XXXX XXXX Re : Dispute Inaccurate Balance Reporting ( FCRA Violation ) To Whom It May Concern, I am formally disputing inaccurate balance reporting on the following account listed on my XXXX credit report : Collection Agency XXXX Consumer Adjustment Company Original Creditor : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Reported Current Balance : {$2000.00} Reported High Balance : {$1500.00} Date Opened : XX/XX/XXXX This account is reporting contradictory and mathematically inconsistent information. The High Balance is listed as {$1500.00}, yet the Current Balance is reported as {$2000.00}. A current balance can not exceed the highest balance ever owed unless additional charges, fees, or interest have been added and no such breakdown is being reported. This constitutes inaccurate and misleading reporting in violation of : 15 U.S.C.…
CONSUMER ADJUSTMENT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJUSTMENT CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XX/XX/XXXX ] [ CONSUMER ADJ CO ] [ XXXX XXXXXXXX XXXX ] [ XXXX, XXXX ] Subject : Formal Dispute of Unauthorized Credit Inquiries and Demand for Removal To Whom It May Concern, I am writing to formally dispute unauthorized credit inquiries listed on my consumer credit report maintained by your agency. Specifically, the following inquiry was made without my knowledge, authorization, or written consent : [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ ACCOUNT XXXX ] I did not authorize this inquiry, nor did I provide written or otherwise permissible consent for my credit report to be accessed by the above-referenced party. Please be advised that under 15 USC 1681b ( 2 ), a consumer reporting agency may furnish a credit report only when there is a permissible purpose authorized by the consumer or otherwise permitted by law.…
CONSUMER ADJUSTMENT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJUSTMENT CO is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
Consumer Adjustment Company is reporting a medical collection account related to XXXX XXXX XXXX XXXX that is inaccurate, incomplete, and not capable of lawful verification. I disputed this account in writing ( attached ). Despite notice, the company continues reporting without providing documentation supporting the balance accuracy, Date of First Delinquency, or a valid chain of assignment from the original medical provider. The reporting also raises concerns regarding improper disclosure of protected health information.
I keep receiving callsfrom a company called CACi for XXXX services rendered in XXXX California to a patient named XXXX XXXX. I do not live in the bay and when I called to ask why would they have my number and email under someone's bill the supervisor responded it was mistake. I asked how do you get XXXX from XXXX along with my number, the supervisor said, " are you listening it was a mistake ''. There should be no mistake. I do not live in the XXXX area and I do not know a XXXX. They should not have my number or email address.
CONSUMER ADJUSTMENT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJUSTMENT CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I am filing this complaint regarding an account that is being reported on my credit report that does not belong to me. I have no knowledge of this account, did not open it, did not authorize it, and have never entered into any agreement or contract with this company. I disputed this account with the credit bureau and requested proper verification, including a copy of the original signed contract or application proving that I am legally responsible for this debt. To date, I have not been provided with any such documentation. Despite this, the account continues to be reported on my credit file as if it were valid. Reporting an account that does not belong to me and failing to provide proper verification is inaccurate and harmful to my credit. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverified information must not be reported.…
I called because I was Placed for collection Original creditor name CONSUMER ADJ CO They had a what sounded like a weird forwarding service. They ended being creditsage after I wanted to pay my collections. They said it was dispute they said was filed incorrectly and mislead me under duress knowingly and said they could get this corrected and expedited for me to be able to get a mortgage loan. Please see the tenant letter that they said ( on the phone ) would be able to ensure that I get mortgage loan with manual underwriting
CONSUMER ADJUSTMENT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJUSTMENT CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
I am filing this complaint regarding a collection account that is being reported on my consumer credit report with an outstanding balance. I timely disputed this account and requested debt validation from the furnisher. The furnisher failed to provide documentation demonstrating the accuracy, ownership, and legal authority to collect or report this alleged debt. Despite the lack of validation, the credit reporting agency continues to report this collection account as accurate without disclosing the method or evidence used to verify the information. Reporting an unvalidated collection account with an outstanding balance fails to meet the Fair Credit Reporting Act requirement of maximum possible accuracy and constitutes unreasonable investigation practices. This complaint is submitted to require the furnisher and credit reporting agency to formally respond and certify compliance with federal consumer protection law under CFPB supervision.
Original Creditor : XXXX XXXX XXXX XXXX Collector Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account : XXXX Original balance and date, ( Unknown ) To Whom It May Concern, I am writing to formally notify you that, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, you are hereby instructed to CEASE AND DESIST ALL COMMUNICATION with me regarding the above-referenced alleged debt. This notice applies to all forms of communication, including but not limited to telephone calls, letters, emails, text messages, and contact through third parties. You may only contact me once, if at all, for the sole purpose of confirming that : You will comply with this request and cease further communication ; or You intend to pursue a specific legal remedy permitted by law.…
CONSUMER ADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJ is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX D.O.B XX/XX/XXXX Date : To whom it may concern I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is a clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its clear violation of the Fair Credit Reporting Act section 15 U.S Code 1681- Procedure in case of disputed accuracy.…
CONSUMER ADJUSTMENT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJUSTMENT CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
CACI, a debt collection agency, sent me a letter stating that I XXXX XXXX XXXX a certain amount of money. I decided to call CACI to explain that the amount was very high and that this must be a mistake. I explained the situation to the representative, and he told me that there was nothing he could do and that I had to pay the full amount. I told him that I had just had XXXXXXXX XXXX XXXX XXXX XXXX XXXX and that I didnt have the money to pay it right now. In response, he said : I SEE YOUR ADDRESS IN XXXX XXXX AND YOU WANT TO TELL ME YOU DONT HAVE MONEY? At first, I was silent because I was in shock, but then I asked him again several times, and he confirmed what he had said. When I asked him what right he had to speak to me like that, his tone changed he suddenly became softer and said he only wanted to confirm my address. However, if you listen to the call, you will hear how he pushed me into a XXXX XXXX.
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.
I am submitting this detailed response to address Consumer Adjustment Company , Inc. ( CACi ) and their recent communication regarding the account they are attempting to associate with my name. I want to make it absolutely clear from the outset that I do NOT own this account, and I have never opened, authorized, used, or benefited from the debt CACi is reporting on my credit file. This account is fraudulent and is the direct result of identity theft, which is why I filed an FTC Identity Theft Report documenting the fraud. CACis prior response did not resolve the issue, did not provide verification, and did not provide any documentation demonstrating that I am responsible for this debt. The original case was closed despite the fact that the dispute was not addressed properly, and therefore I am opening a new case because the issue remains unresolved and continues to impact my credit, my financial wellbeing, and my legal rights.…
Consumer Adjustment Company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Dispute of Reported Collection Account Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account your company is reporting to XXXX regarding the alleged XXXX debt, listed under account number XXXX, with a reported balance of {$1100.00} and an opened date of XX/XX/year>. I do not recognize this account as valid, and I am requesting : 1. Full Validation of the Debt Under the Fair Debt Collection Practices Act ( FDCPA ), please provide the following : Documentation showing I am legally responsible for this debt. A copy of the original signed contract or loan agreement. A complete payment history from the original creditor. Proof that your company has the legal right to collect this debt. 2. Confirmation of All Reporting While this account is marked as disputed by consumer, it continues to appear inaccurately.…
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.
CONSUMER ADJ is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJ is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Re : Request for Debt Validation Account # Dear, I am writing in response to a notice I received regarding the above-referenced account. I am requesting that you validate this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. The amount of the debt ; 2. The name of the original creditor ; 3. Proof that you are legally authorized to collect this debt ; 4. Documentation showing I am legally obligated to pay this debt ; 5. Copies of any contracts or agreements bearing my signature ; 6. The date of the alleged debt and the date of last payment. Until you provide the requested validation, you must cease all collection activities on this account, including reporting it to credit bureaus. Please send all correspondence regarding this matter to me in writing at the address listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
I submitted a timely Validation of Debt request to CONSUMER ADJ regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX for the alleged balance of {$830.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, CONSUMER ADJ failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C.…
Same thing happen to you?
Upload your evidence. We draft a formal complaint with citations in 10 minutes. CFPB legally forces a response in 15 days.