Diversified Adjustment Service, Inc.

i called the number on XXXX after filing a dispute with them and being declined. When i contacted diversified adjustments they got my information and stated " we do not have an open account '' i said ok then why am i seeing this they said " oh well let me transfer you '' they transferred me to another number. The number i was transferred to then asks for my address i give them a XXXX address, they stated " ok you owe {$700.00} to XXXX '' i let them know that i do not owe anyone {$700.00} she then states " well you just confirmed you lived at that address '' then i explained yes at a XXXX address i owe nothing to XXXX i received a full deposit back and have had no communication. she says " well we spoke to you on the XXXX and emailed and you confirmed its your account '' i got very concerned saying i havent spoken to anyone this is fraud i am concerned she then told me to go online and hung up on me. I called the number back and it was disconnected.…

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I am disputing an alleged debt being collected by Diversified Adjustment Service , Inc. on behalf of XXXX XXXX. I have never opened, authorized, or used any account with XXXX XXXX, and I do not recognize this debt. I believe this may be the result of identity theft or incorrect information being attributed to me. I previously contacted the company and requested full validation of the alleged debt, including a signed contract, complete account details, billing history, and proof of identity verification. The company failed to provide this information. Instead, they provided inconsistent and inaccurate information. In one communication, they stated that the last payment on the account was XX/XX/XXXX. However, the written notice they provided shows that the account dates back to XX/XX/XXXX. These conflicting timelines raise serious concerns about the accuracy and reliability of their records.…

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XXXX Whom It XXXX Concern, I am writing in response XXXX your communication regarding an alleged debt for XXXX in the amount of {$490.00}. I am formally disputing this debt in full. Additionally, the address referenced in your notice is not my current address. Please provide full validation of this alleged debt, including the following : * The name XXXX address of the original creditor * A copy of the original contract or agreement bearing my signature * Documentation showing the chain of ownership of the debt ( including any transfer or assignment history ) * Proof of your legal authority XXXX license XXXX collect this debt in the state of Illinois Until this information is provided XXXX verified, I do not acknowledge this debt XXXX request that all collection activity cease in accordance with the Fair Debt Collection Practices Act. Sincerely, XXXX XXXX

dispute a fraudulent collection account reported on my credit file from XXXX XXXX. This account was opened using my personal information without my knowledge or authorization. I am a victim of identity theft and did not open, authorize, or receive services related to this account. I have attached my Identity Theft Report filed with the Federal Trade Commission as supporting documentation.

To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. I am requesting validation of this alleged debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and request that you provide proper validation. Please provide the following : 1. The name and address of the original creditor 2. The full amount of the alleged debt, including any fees or interest 3. Copies of any documents bearing my signature showing I agreed to this debt 4. Proof that your company is authorized to collect on this debt 5. A complete payment history on this account 6. Proof that the statute of limitations has not expired Until you provide this information, you must cease all collection activity and reporting to any credit reporting agencies. If this debt can not be validated, I request that it be removed from my credit report immediately.…

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I received a call about a debt collection that was trying to collect a debt. The company was XXXX. I have never had an account with the electric company. Few months ago I received a letter from XXXX that someone was trying to file a claim under my SS. Few months later I received a letter fro IRS of someone trying to file my 2025 income tax return. So Ive been dealing with stolen identity for a while now

I am writing to report a possible case of identity theft involving a XXXX account opened under my name without my authorization. I have never been a XXXX customer. Despite previously contacting the XXXX support team and being informed that no action was required and that the issue was resolved, I have since received collection notices and now see that this fraudulent account has been reported to the credit bureaus. This is causing material harm to my credit.

In XX/XX/year>, I discovered an account reported by Diversified Adjustment that I did not open or authorize. I believe this is a result of identity theft. I reported this fraud to XXXX at the time and filed an Identity Theft Report with the FTC. I also placed a fraud alert on my credit report. I submitted a dispute with XXXX, and they verified the account as accurate without providing documentation. Diversified Adjustment has not provided proof that this account belongs to me, including the application or signature on file. I am requesting verification of the debt and removal from my credit report if it can not be proven.

I am writing to formally dispute the balance of {$940.00} that your is being reported in connection with a XXXX account. This account went into default due to lack of proper procedure by XXXX, not due to any failure on my part. On XX/XX/year>, I returned my XXXX XXXX to XXXX. The equipment was received and documented on my XXXX account on that same date. Despite this confirmation, XXXX failed to properly process the return and incorrectly assumed the equipment was never received. As a result, the equipment charge was never removed from my account. Due to XXXX error, the account was wrongfully sent to collections and has now been reported for over a year, severely and unjustly damaging my credit. This balance exists solely because of XXXX mistake. I am formally requesting that ALL charges associated with this account be fully removed by both XXXX and Diversified Adjustment Services, as the alleged debt is inaccurate and invalid.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Diversified Adjustment XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Diversified Adjustment I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows XXXX XXXX XXXX Diversified Adjustment XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable.…

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I am submitting this complaint as the consumer associated with the credit file in question. I am personally filing this complaint on my own behalf. No third party, credit repair company, or representative is acting for me in this matter. This complaint is being submitted to address inaccurate, misleading, and unverified information currently appearing on my credit report that does not belong to me. After reviewing my credit reports, I discovered that a collection account reported by Diversified Adjustment was appearing on my credit file. This account is not mine. I do not recognize this account, I did not open this account, and I never authorized anyone to open an account on my behalf that would result in this debt being reported by Diversified Adjustment. Because I do not recognize this account and have no knowledge of the debt being reported, I immediately took steps to protect myself and to report what appears to be identity theft or fraudulent use of my personal information.…

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This company diversified and several other claim I owe tmobile they claim it was opened XX/XX/2025 but in the photos it says other things like owed since XX/XX/2025 and other dates from other companies i get it removed it comes back from another company im tired of disputing something I never had calling daily from numbers you can't call back. Indont knownthese people I don't have tmobile I have XXXX this has gone on for several years. I now own my own business and am trying to repair my credit and having something bogus when I have plenty to fix already is just insane and want it gone permanently once and for all. XXXX isn't fix it XXXX didn't fix it I can't afford an attorney I hop you can help please... Edit to add this isn't just one company it's 3 plus companies XXXX XXXX XXXX and XXXX XXXX XXXX AND NOW DIVERSIFIED

This complaint concerns a collection account reported by Diversified Adjustment in the amount of {$1600.00} that appears on my credit report. I believe this company has failed to properly follow the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding verification of the alleged debt. On XX/XX/2026, I noticed a collection account from Diversified Adjustment for {$1600.00} on my credit report. Because I did not recognize the account, I sent a written dispute and request for validation of the debt on XX/XX/2026. In my dispute, I specifically requested proper verification of the debt, including documentation proving the debt belonged to me and that the company had the legal authority to collect it. The company did not provide any documentation verifying my identity in connection to this account, nor did they provide sufficient proof that the debt was valid.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Diversified Adjustment Service , Inc . XXXX XXXX XXXX XXXX XXXX XXXXXXXX SUBJECT : REQUEST FOR DEBT VALIDATION To Whom It May Concern, I am writing in response to your claim that I owe a debt. This letter is a formal request for validation of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : The name and address of the original creditor The amount of the alleged debt, with an itemized breakdown Verification that I am legally obligated to pay this debt Copies of any contracts, agreements, or documents bearing my signature Proof that your company has the legal right to collect this debt The date the debt was allegedly incurred and the date of last payment A complete account history, including all interest, fees, and charges Documentation showing the statute of limitations has not expired Your debt collector license numbers ( state and federal, if…

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On XX/XX/year> a debt from Diversfied Adjustment hit my credit report for {$860.00} dollars. I reach out to this company multiple times about this debt and it was stated that it is from a XXXX account that I previously had. I told the gentleman that I do or did have a XXXX account and that this needs to be removed. I am an XXXX XXXX servicemember and my cell phone provider is XXXX XXXX in which I have been with them for years. The creditor told me that its nothing that I can do but just pay them. I am not sending them money for account that I never had and not only that I am getting emails from a debt collector called XXXX XXXX XXXX XXXX stating the same thing about XXXX but they are stating I owe them a different amount. They are stating that I owe them {$210.00}. so this definitely has to be a scam

In XXXX of XXXX, I ported my numbers from XXXX XXXX to XXXX XXXX XXXX. During the transfer, XXXX phone lines were left active in error by XXXX XXXX. I contacted XXXX to have the billing error corrected several times, and was denied access to the final phone bill. The complaint was escalated an during that time, XXXX agreed to accept payments until it was corrected. Shortly after, in XXXX of XXXX, I received a collection communication from Diversified Adjustment Services. They were explained the situation and sent a do-not-contact letter. On XX/XX/XXXX, I received a text message from Diversified Adjustments Services. I called them and explained to them about the do-not-call request, and they claimed they never had my account. The customer service representative said they do not report to credit reports, but just do collections. I have again verbally requested a do-not-contact for this company until XXXX resolves the account issues.

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Fl, XXXX XX/XX/year> Via Certified Mail Return Receipt Requested DIVERSIFIED ADJUSTMENT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Re : Account Number : XXXX To Whom It May Concern : I am writing in response to your reporting of the above-referenced account on my consumer credit profile. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I formally dispute this alleged debt in its entirety. You are hereby instructed to CEASE AND DESIST from all communication with me regarding this matter except for the purpose of providing proper validation of the debt as required by XXXX law. Specifically, please provide : XXXX. The original creditors full name and address. XXXX. A copy of the original signed contract or agreement bearing my signature. XXXX. A complete payment history, including all fees and interest added. XXXX.…

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If you want to avoid getting dragged into a civil lawsuit where you may have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today. You see, THE BUREAUS, has furnished a collection account on my credit report without validating this debt with me beforehand. In fact, the following debt collectors never sent me a dunning letter ( which is mandatory to validate a debt ) within 5 days of the accounts getting reported ( which is also the initial communication ). Therefore, the accounts listed below must all get deleted from my credit report under 15 USC 1692g. However, there is one way you can leave the items on my credit report unscathed. And in order to do this, you must produce proof a dunning letter was sent to my address ( within 5 days of the account getting furnished ).…

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My credit report was negatively affected by Diversified Adjustment Service , Inc., a debt collector ; for a XXXX account. I have NEVER had a XXXX account. After researching, the debt belongs to someone with the same name as mine. XXXX email from Diversified Adjustment Service , Inc shows the name & address. After discussing with the XXXX credit bureaus, I was directed to report as fraud.

Under FDCPA there are several violations that has been made by Diversified Adjustment Service Inc. The following violations are : Details of the Violation ( s ) : False or Misleading Representations section 1692e The debt collector falsely claimed I owed a balance to XXXX that I had already disputed and/or was never substantiated. The debt collector failed to provide proper validation before continuing collection activities. Unfair Practices 1692f The debt collector engaged in unfair practices, such as attempting to collect fees or charges not expressly authorized by the original agreement or permitted by law. Communication with Third Parties section 1692c ( b ) If applicable, The debt collector improperly disclosed details of the alleged debt to third parties without consent.

I never received this service and I called to see why I owed XXXX was not mine so they looked and was wrong so they tried to remove it but it had went to collections already so they send me this email info to fill this out.but on this bill its XXXX are XXXX dollars so I dont know the amount it really is.but I need it removed from my credit report ASAP im trying to buy home and need it off now

Almost 4 years ago I called XXXX XXXX to sign up for a promotion. I spoke to the customer service representative and I told her I would like to sign up with my phone and my husbands phone. Well after many questions she told me the switch from XXXX to XXXX XXXX will happen 15 minutes after we hang up. Well to my surprise after 10 minutes my phone was disconnected and my husbands phone. I had a landline at the time so naturally I called XXXX XXXX and spoke to several different representatives but no one helped me! It was so frustrating because my cell phone is my business phone. I went to my provider, XXXX and they said they couldnt help me I had to go to XXXX XXXX. I went to XXXX XXXX ( 2nd day without a working phone ) and a very nice man finally helped me. He got my phone working and Cancelled my account. I had to go back to my XXXX provider to get connected with them again. I did and all was well.…

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XX/XX/year> I received a letter from XXXX XXXX that an amount of {$2500.00} was sent to a collection agency. That agency is Diversified Adjustment Services Phone XXXX. That was ent by XXXX XXXX phone XXXX. I called XXXX and they said I had to call Diversified Adjustment Services. I called Diversified Adjustment Service and they said there was nothing I could do but to apply for this complaint. I do not owe this dept, I have never had an account with XXXX XXXX. Also Diversified Adjustment Services had me at an address I have not been at for over 30 years. They did ask for my currant phne number which I gave them but did not give them my currant address. I have also contacted XXXX XXXX XXXX XXXX as well. Neither XXXX or Diversified Adjustment Services would speak to me about this fraudulant dept.

On XX/XX/year>, I purchased a XXXX XXXX device. I returned the device on XX/XX/year>, well within the applicable return period. Proof of purchase and proof of return are attached. Despite the successful return, XXXX failed to properly close the account. As a result, the account was incorrectly sent to collections. For more than XXXX year, I have received repeated collections calls regarding this matter. This incorrect collections activity has negatively impacted my credit score, even though no balance should exist. I have made multiple attempts to resolve this issue by providing documentation, but the problem has not been corrected. The prolonged collections activity and credit damage for a returned device has caused significant stress and hardship. This issue is the result of XXXX failure to update its records accurately after the device was returned.

This complaint is submitted against Diversified Adjustment Services , Inc. for their continued and willful violations of federal consumer protection laws. This company has fraudulently reported a collection account under my name without my consent, without valid proof, and without responding to two separate certified dispute demands. The account in question ( allegedly for XXXX in the amount of {$1300.00} ) that I have yet to receive any information on regarding this account. This account through Diversified Adjustment Services was never authorized by me, and no lawful contract or agreement has ever been presented. Despite receiving timely disputes on XX/XX/XXXX and XX/XX/XXXX, Diversified Adjustment Services failed to provide any of the legally required documentation, yet continued to mark the account as " verified '' with XXXX and XXXX as recently as XX/XX/XXXX.…

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CFPB Complaint : Predatory Billing & Unfair Debt Collection Company Name : XXXX XXXX XXXX ( and " Diversified Adjustments '' as the related company ) Product/Service : Debt Collection / Credit Reporting Description of Incident : I am filing this complaint against XXXX and their agent, Diversified Adjustments, for deceptive trade practices, retaliatory billing, and egregious violations of the Fair Credit Reporting Act ( FCRA ). Bait-and-Switch Pricing : I secured service for three lines with a quote of < $ XXXX/month. XXXX failed to honor this rate for 75 % of my tenure. Furthermore, I experienced a total failure of service in my area despite explicit coverage guarantees. Intentional Obstruction of Payment : Upon porting my numbers to a new carrier, XXXX immediately revoked my access to their app and online portal, while simultaneously disabling my Autopay. This created a " XXXX '' where I was unable to view or pay my final bill digitally.…

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This complaint concerns a telecommunications debt currently being collected by Diversified Adjustment Service. On or about XX/XX/year>, this account was placed for collection with a reported balance of approximately {$1300.00}. I disputed the account and requested validation of the debt, including proof that the account belongs to me, the service agreement, billing statements, and an itemized breakdown of the balance. Despite my request, the company failed to provide documentation validating the debt or confirming the accuracy of the amount. The debt collector continues to attempt to collect and report this unverified debt to the credit bureaus. This conduct violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting deletion of this account from my credit report and that collection activity cease unless proper validation is provided.

On XX/XX/XXXX, my credit reporting service notified me that DIVERSIFIED ADJ SVC put a collection account on my XXXX history in the amount of {$330.00}. This was allegedly for utility debt. However, I have never received an invoice for that amount from my utility company, I have multiple accounts with my utility company all of which are current. Additionally, I have not received a single piece of mail or phone call from Diversified about this amount. Oddly enough, another debt company tried this same thing about a XXXX or XXXX earlier and XXXX investigated, found it to not be legitimate and removed it. It appears that company must have sold the account to Diversified or it is just another offshoot of the same company trying to get around the XXXX investigation results. On or around XX/XX/XXXX, I submitted a dispute with XXXX. On XX/XX/XXXX, I emailed Diversified and notified them of their error and requested removal of the derogatory information. They did not call, nor mail me.…

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I am receiving repeated and disturbing phone calls from Diversified Adjustment Service , Inc. every single day. During these calls, the caller asks me to verify my identity or asks for another individual by name. The moment I ask who they are or refuse to provide personal information, they immediately hang up the call. This has occurred consistently and intentionally, day after day. Their conduct is threatening my safety, peace of mind, and future, especially given that I am already a victim of identity theft. I have attempted to file a police report regarding this behavior due to the ongoing harassment and the fear that they are attempting to obtain my personal information under false pretenses. I have recorded several of these calls as evidence. Based on the pattern of behavior, I believe these calls are designed to pressure me into confirming personal details so they can access my private information and potentially open new fraudulent accounts in my name.…

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b'I am writing to formally dispute a collection account reported by Diversified Adjustment Service, Inc. (Acct: XXXX). This item is inaccurate and unverifiable. Despite nearly a year of good-faith efforts to validate this debt with XXXX and three separate collection agencies, no party has provided proof of the debts accuracy.\n\nThis account stems from a non-functional XXXX XXXX XXXX XXXX I have consistently\nprovided evidence of equipment return and requested inventory audits that have been ignored. Most critically, the original creditor (XXXX) has explicitly stated they have no record of this account, yet collection agencies continue to "debt park" this item on my report.\n\nPlease review the following evidence as part of your mandatory reinvestigation under 15 U.S.C.\n 1681i:\n XXXX XXXX Audio Recording of XXXX Representative. In XXXX XXXX an XXXX\nrepresentative assured me they would contact XXXX to investigate my dispute.…

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