Consumer Adjustment Company Incorporated

I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

I am filing a complaint regarding continued collection activity on a medical debt that has already been paid in full. The account associated with XXXX XXXX XXXX XXXX XXXX XXXX. The account was previously placed with XXXX XXXX, and I was later informed via mail that it had been recalled. The account has now been reassigned to Consumer Adjustment Company , Inc. ( XXXX ), which is continuing collection efforts despite the balance already having been paid. I confirmed with XXXX XXXX that the payment was issued and processed for this balance. I was provided the following payment details : Payment Issued : XX/XX/year> Payment Cashed : XX/XX/year> Ref ID : XXXX Check Number : XXXX Despite confirmed payment, the account continues to be treated as an outstand debt and remains in collections. I have attempted to contact the provider and obtain clarification, but have been unable to reach anyone to resolve the matter.…

I am filing this complaint because inaccurate, fraudulent, and unverifiable information continues to be reported on my consumer credit file despite multiple disputes, identity theft reports, and repeated efforts to resolve these matters directly with the companies involved and the credit reporting agencies. The primary account involved in this complaint is : CONSUMER ADJ XXXX I do not recognize, authorize, or own this account. I never knowingly opened this account, entered into any agreement related to this account, or authorized anyone else to open this account on my behalf. Because I believe this account resulted from identity theft, fraudulent activity, mixed file reporting, or inaccurate furnishing practices, I filed a Federal Trade Commission ( FTC ) Identity Theft Report and submitted identity theft documentation to support my dispute.…

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to CONSUMER ADJUSTMENT. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that CONSUMER ADJUSTMENT currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ).…

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

This company did not follow federal law by failing to send the required notice giving me the right to dispute or validate this claim before placing it on my credit report. Remove this immediately, or I will pursue legal action for deceptive practices.

THIS COMPANY IS REMOVING AND REPLACING THE DEBT COLLECTION. FALSIFYING THE DATE OF THIS DEBT. THIS DEBT WAS REPORTED AS IDENTITY THEFT AS I PREVIOUSLY REPORTED TO THE ORIGINAL ACCOUNT HOLDER. THIS COLLECTION COMPANY NEEDS TO BE HELD ACCOUNTABLE FOR THEIR ACTIONS.

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.

This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

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

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. 1681

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 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

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.…

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.…