| 03/13/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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CONSUMER ADJ CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; XXXX XXXX In care of XXXX XXXX XXXX MI XXXX XXXX : CONSUMER ADJ CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX On XX/XX/ XXXX XXXX appeared before me with the following document Request of original purchase agreement/contract ( CEASE AND DESIST ) LETTER OF INTENT TO SUE Affidavit of Facts CREDITOR/DEBT COLLECTOR DECLARATION Possible violations CC : Consumer Financial Protection Bureau CC XXXX XXXX XXXX XXXX XXXX Michigan Attorney Generals Office CC XXXX United States Attorney Generals Office CC : CC XXXX Federal Trade Commission XXXX XXXX For verification purposes only SUBSCRIBED AND SWORN TO before me on XXXX XXXX XXXX by, known to me or proven to me to be the real woman signing this affidavit.
WITNESS my hand and official seal.
Notary Signature XXXX XXXX NOTARY PUBLIC XXXX XXXX OF XXXX MY COMISSION EXPIRES XXXX ACTING IN THE COUNTY OF XXXX Original purchase agreement/contract requested Im requesting the original agreement with my signature please include all terms and conditions, in addition to name address and phone number of original creditor, payment history, the itemized bill associated for the alleged account and proof of ownership that you are authorized to collect the debt. You have 10 days from the post marked date. AND DESIST all reporting and delete all negative items from all credit reports immediately. Please provide me with an updated credit report.
Thank you for your cooperation.
has failed to provide complete accounting of charges from Records of all accounts This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
You are aware of the Fair Debt Collection Practices Act, in addition to my home state laws regarding debt collection practices. Under such laws, I am asserting my right to receive the following information to my requests. Be advised that when I refer to your company, I am referring to the company that sent the charges to my credit report, mail or via email.
CREDITOR/DEBT COLLECTOR DECLARATION 1. Who or what is the current legal owner of the debt? If your company is the owner then provide proof of the proper transfer of the debt to your company.
2. Does your company have the original paperwork that established and created the debt obligation? 3. Provide a copy of all written agreements that establish the debt. Provide a copy of all written agreements allegedly signed by me as it relates to the debt.
4. Provide a complete list of all owners of the debt, including the date of transfers or assignments of the debt.
5. Provide a written statement in which you declare that the applicable statute of limitations has not run on this debt thereby establishing you are legally entitled to collect the debt.
6. Provide an accounting of all payments made against the debt and an accounting of all fees, charges, costs, legal fees, penalties, and interest charged because of the debt.
10. Provide each and every time your company has filed a report with any of the credit bureau as it relates to my credit report. Provide the exact content of each report filed with any of the credit bureaus as it relates to my credit report.
11. Provide an affidavit of Records of all reporting to XXXX, XXXX, XXXX, any other bureaus and/or accounts and charges Possible violations 1 ) Failing to provide an original purchase agreement that shows that they have a claim as the legal owner of this alleged debt.
2 ) Late payments reporting to my consumer report is ACCORDING to 15 US CODE 1681A titled Definitions Rules of construction para 2 titled exclusions and sub para A Subsection I state that transactions are NOT included in the consumer report. If there has been an oversight please update to be paid in full.
( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 SECTION 602 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 USC 1681 SETION 604 A section 2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
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| 06/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX, XXXX, and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. XXXXXXXX XXXX XXXX bal. { {$330.00} } I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX,
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| 01/24/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Sent to CaCi on XX/XX/XXXX Good afternoon, I am contacting whomever reads/receives this email in regards to a debt that this writer allegedly owes. To be clear, I was more than willing to resolve the debt but after numerous red flags, I am now questing the legitimacy of Caci as a company attempting to collect the debt on behalf of XXXX XXXX XXXX XXXX.
In XXXX of XXXX I moved from my previous address in XXXX, Maryland to XXXX, Florida. After my move, I reviewed my credit report, which I do a few times a year, when I noticed that there was a derogatory mark on my credit report. Upon closer inspection I was able to determine that this was for a membership program from XXXX XXXX XXXX XXXX in XXXX, New Jersey. It was communicated from XXXX XXXX that they were discontinuing the membership program as a business decision.
After the discontinuation of the program, I did not receive any further correspondence from XXXX XXXX regarding any further money owed as for the cancelled program, nor did I receive any notification regarding a debt that was owed. I presumed that since they cancelled the program, I no longer had access to the benefits of the membership. I decided that if I were to go to XXXX XXXX, I would have to pay per visit ( s ) or decide to attain a season pass. Since I lived in XXXX, Maryland at the time, the commute to the part was over two hours away along with added tolls over XXXX dollars. I decided not to acquire a season pass.
Fast forward back to XX/XX/XXXX. When I noticed the derogatory remark on my credit report, I attempted to contact corporate XXXX XXXX in which I was provided a phone number to CaCia company that I have never heard of. When I contacted CaCi in XXXX, I spoke with a representative that indicated it was an attempt to collect a debt from XXXX XXXX XXXX XXXXXXXX. I indicated that I never received any communication from XXXXXXXX XXXX XXXX XXXX nor CaCi regarding the debt owed. I indicated that the first notification was from the hit on my credit report. I never received any letter indicating what was owed from CaCi in the attempt to collect a debt. The person I was on the phone with indicated that I could pay the debt either by phone or by going to www.myCaCiportal.net. I indicated that I would go the portal as I do not provide any personal financial information via the telephone person-to-person. I requested that I be sent an official notification of the debt by mail as I never received any previously. I was informed that when I received the letter that the portal may or may not work, but that I could call and provide my credit card over the phone to payoff the debt. I indicated that I would wait until I received the letter then attempt to resolve. After the phone call, I did attempt to go the portal to resolve without luck. The portal was not working.
After I received the letter dated XX/XX/XXXX ( first official notification of the debt ) I again attempted to resolve the debt by going the portal. This now the second time the portal was not working. On XXXX, XX/XX/XXXX, for the third time I attempted to resolve by going to the portal and again the portal was not working.
I then phoned CaCi and spoke to a representative indicating my frustration regarding this matter. I emphasized that no notification was provided to me regarding the debt from anyone. The representative indicated that two separate emails were sent to my email account regarding thisno letter mailed, but two separate emails. I did not receive those emails. I was ready to resolve the debt via your portal but she indicated there were some technical problems today ( XX/XX/XXXX ). I indicated that I attempted to other times last month ( XX/XX/XXXX ) which provided another red-flag. Your collection portal did not work and I question if it is a functional payment portal. I explained all of my concerns in which she forwarded me to another representative without any notification to me. When I spoke to the second representative, at the beginning of the conversation I was interrupted numerous times as I was attempting to explain my increasing frustration and now questioning the legitimacy of CaCi as a debt collector. Here are the red-flags demonstrated today as I continue to question the legitimacy of CaCi as a debt collector.
XXXX ) There was never any documented due diligence from XXXX XXXX XXXX XXXX XXXX XXXX, or CaCi to communicate any attempt to collect the debt.
XXXX ) I discovered the punitive nature of posting on my credit report without any notice of the debt. After I contacted XXXX XXXX, they indicated that I needed to contact XXXX XXXX XXXX and provided a telephone number to call. They indicated that it would be likely that I needed to leave a message for them to contact me back. Upon returning my phone call, they provided CaCis telephone number.
3 ) Initially when speaking with CaCi, I explained my frustration ( especially in impacting my credit ) without any due diligence from CaCi to collect the debt via notification by letter/mail. The representative provided the payment portal site which it was communicated that it may not be operational and that I could resolve over the phone. I indicated that I would not be doing that as I do not provide personal financial data/information ( credit card ) over the phone. I requested an official letter from CaCi regarding specifics regarding said debt. I did attempt to resolve via the portal but it was not functioning.
XXXX ) I received a letter dated XX/XX/XXXX with the information requested. This being the first notification of the debt owed. I again attempted to resolve by going to the portal, again not functioning.
XXXX ) I attempted now a third time to resolve the debt via the portal on XX/XX/XXXX which again not functioning.
XXXX ) I called CaCi on XX/XX/XXXX and communicated my concerns, frustration, and now the legitimacy of CaCi as a debt collector. I was told that it was truly a debt collector and when I questioned notification of the debt, I was informed that two separate emails were sent to me indicating as such. Both emails were never received and when I questioned if that is CaCis practice of due diligence of emailing an attempt to collect a debt then reporting to credit bureaus without any communication with consumers. At this point, I was switched over to someone else in which I had to again provide background of the on-going concerns/issues with CaCi.
While I still question the legitimacy of the debt owed to XXXX XXXX as they made the business decision of discontinuing the membership program, what is more concerning is the lack of official notice of communicating the debt from CaCi. While e-mails provide convenience, they are not meant for business transactions or notificationespecially in regards to debt collection. As I never received the emails in question, a better practice in regards to collecting a debt, send an email, follow-up with a letter sent to the residence, then if needed a certified letter to the residence.
At this point I am requesting the following. Cancel the debt and remove the derogatory mark on my credit report.
Thank you, Your swift action is expected with a report to applicable agencies if not handled in a manner that is acceptable.
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| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. CONSUMER ADJUSTMENT CO bal. $ {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. CONSUMER ADJUSTMENT CO bal. {$990.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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XXXX, has placed a fraudulent collection issued by the notorious CONSUMER ADJUSTMENT CO. on my Credit Report, negatively impacting my credit score and my access to finance!
The credit reporting agencies should be obligated to have the alleged creditor or collection agency to prove that the debt in question is valid before be allowed to place an unproven debt on a credit report negatively impacting person in question. I have made this same complaint to XXXX & XXXX, against the known dishonest business practices of CONSUMER ADJUSTMENT CO.
Consumer Adjustment Co. issued the following dishonest response to my previous complaint through the CFPB ; Upon receiving notification of this complaint, Consumer Adjustment Company , Inc. ( CACi ) has investigated this matter. There are currently two ( 2 ) accounts placed with our office related to medical services. Both accounts are for services performed at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/2021, both in the amount of {$260.00}. These accounts were placed with CACi for collection on XX/XX/2021. CACi sent the initial notice related to these accounts to you on XX/XX/2021, informing you these accounts had been placed in our office for collection and informing you of your right to dispute these debts. After reviewing your complaint, we have requested the validation documentation from the creditor. Once this information is received it will be forwarded to you for your review. CACi received your credit reporting agency dispute in our office on XX/XX/2021. We will be responding to notify the credit reporting agencies to update these accounts as disputed on your credit report. Should you have any questions or need further assistance please contact our office directly at XXXX or email us at XXXX.
The above statement is dishonest because CACi, never mailed me any letter claiming any debt! CACi, has received numerous complaints against against their dishonest and illegal business practices. If they had they would have promptly received the following response via certified mail : To : CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you.
I request the following : Justification for the claimed amount, including invoices or receipts.
Explanation of how you calculated the amount in question.
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount.
The identity of the alleged original creditor.
Proof that the alleged original creditor assigned the debt in question to you.
Proof that the Statue of Limitations has not expired on this account.
Proof that you are licensed to collect debt in the state of Georgia.
Your licensed numbers and Registered Agent or Agent of Service.
I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid.
If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files.
Regards,
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| 10/10/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$680.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX
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| 05/27/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was checking my credit report on experience on XX/XX/XXXX. I saw where consumer adjustment company XXXX XXXX XXXX XXXX. XXXX XXXX Missouri XXXX, phone number XXXX, had put a debt on my credit report for {$1800.00}. The debt was for a hospital bill with the XXXX XXXX XXXX XXXX. I contacted Consumer Adjustment company, and begin to ask questions about the debt. I was immediately hung up on, I called back consumer adjustment company would not provide any information to the contact person requesting payment for this debt. They refused to provide any itemize billing statement. Since they were uncooperative from refused to provide any information I terminated the call and contacted the XXXX XXXX XXXX XXXX. I spoke to XXXX with the XXXX XXXX XXXX XXXX billing department and he reported to me that they do not use consumer adjustment company to collect debts for their hospital, and my services on XX/XX/XXXX which was the same date that consumer adjustment company was collecting on was paid in full. I called back consumer Adjustment company about what XXXX XXXX XXXX had told me and again they refuse to cooperate and hung up on me again. On XX/XX/XXXX I talk to my insurance company XXXX XXXX XXXX XXXX XXXX XXXX and they check their records and stated there was never a billing statement sent to their company for any outstanding debts for the provided date of XX/XX/XXXX. XXXX contacted consumer adjustment company and they immediately hung up on XXXX agent. Again they call back advised Consumer adjustment company that the XXXX XXXX XXXX is stating that I was paid in full and they received no billing for a debt owed on XX/XX/XXXX. Consumer adjustment company advised me to email their complaint department at dispute my debt. And after our conversation they contacted two credit reporting agencies and added another debt for the same amount owed on my credit report. Those deaths have been dispute it as fraudulent since the XXXX XXXX XXXX XXXX is stating that I do not owe a debt to them and they do not use this company as their collections agency. XXXX XXXX XXXX XXXX is sending me a letter on their letterhead stating that I am paid in full. Consumer adjustment company has placed us fraudulent debt on my credit report and has lowered my credit scores their refusal to cooperate or to answer basic questions about the debt makes me very suspicious that this is a fraudulent debt and if they have no business to try to collect it or calls me damages on my credit report. Since they are located in Missouri I filed a complaint with the Missouri attorney generals office and will be contacting the Ohio Attorney Generals office where I live to file a complaint as well. The next step is called the police department in XXXX XXXX Missouri and file a theft report Because it has any reasonable person can see this is not a legitimate debt. I have three insurance companies including Medicare and generally speaking all hospitals are bills are paid in full. When I told consumer adjustment company about my insurance situation and that this bill could be handled through my insurance company they did not want to discuss it and immediately said without looking at their paperwork that it was out of network. This companies refused to send me anything in writing refuse to discuss this outrageous debt over the phone, and has caused me damage on my credit report. After speaking to the building department with the XXXX XXXX XXXX XXXX they are now conducting an investigation on their end to find out who this company is and why they are trying to collect a debt on their behalf thats not owed.
As soon as I get the documentations say is coming to the US postal office then I can forward the letter from the XXXX XXXX XXXX XXXX stating I am paid in full.
|
| 07/27/2022 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is going to be another statement made due to the fact the issues were brought up in the previous complaint and clearly and willfully ignored. They were contacted by phone in the originial correspondence sent to me earlier in the year ( 2022. ) They acknowldged the concerns then. They seem to not care.
I gave them the exact reasons why this is not collectible. The exact reasons! I told them that the wrong insurance was billed and that this is a clerical issue and my not fault AT ALL. This is not my fault, but they claim " insurance review '' and are going to be talking to the wrong person ( if they are even able to collect from them. ) Like i said. They can not collect from me. THEN I was very clear about the statute of limitaitons in Virginia. This is a period of 5 years in the state of Virginia. They are collecting on 4 supposed accounts that are past this date including 2 that are from 8 years ago and this is not collectible or reportable by LAW. They have some if not precise ideas of the law. They do not have those 8+ years ones sent to the credit beureaus. I made this very clear and their response only shows the abosolute ignorance and indifference. They sent attachments to the original CFPB response where they proved to themselves and me it is not legally collectible. Considering how many times this has happened, it is obvious they can not claim " bona fide error. '' They can not keep going on like this. I gave the reasons why and they simply just ignored them. I included supplemental information and they STILL continue to collect and believe they are in their right to do so. ILLEGAL. These were also not given to them by the providers to collect. They bought this from them ( or another credit agency ) and will have no way to negotiate or validate this with these providers OR the insurance ( the wrong one ) about this. These are severe violations and legal action may need to be taken.
I contacted them on XX/XX/2022 and they said the same thing about reviewing insurance. They reviewed then and what are they going to review now? The person I spoke to said they were marked for deletion. Well they are marked " patient disputes. '' She did try to reiterate that she was marking them for deletion. I asked for email and formal letter comfirmation. We will see. I have the phone call recorded.
To rehash for a moment, the funny thing is they sent me a couple of pdfs that show " proof. '' The only thing it shows is that it is past statute of limitations and they were collecting on behalf of another creditor who was just another debt collector that has legal cases of FDCPA violations against them too. Not only did they prove they are outside collecting, they showed that they and the " third party '' have FDCPA violations against them. How is this possible? I really do not know what this " insurance review '' is going to do. They have no legal authority to do anything. I gave them my insurance provider and they STILL are saying it is valid.
It needs to be publicly known that this company will try to harrass you willingly. Please be advised to check what they believe you owe. If it is an old debt past the statuate of limitations in your state, do not attempt to engage with them.
The company will likely read this complaint and I need all of these " collections '' removed immediately and they also CAN NOT BE SOLD to someone or some other collector.
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| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Debt Collector, please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 04/13/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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So I have this number XXXX XXXX XXXX XXXX calling me. He said his name is XXXX XXXX from XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX. Saying he is attempting to collect a debt from me from XXXX from XXXX XXXX XXXX. The collection agency who owns my debt Consumer ADJ CO already has a payment plan set up to be fully paid off by XX/XX/XXXX. I told that man this and he said that that company is a scam. And I owe them over {$800.00}. The original debt is {$160.00}. I told him that and he said again its a scam. And if I dont pay him now over the phone ( again HE WORKS FOR A LAW FIRM NOT A DEBT AGENCY HE SAYS so why am I paying him??? ) I am going to owe over {$2000.00}.
I took the time to XXXX his law firm the website is clearly fake. Its just a cover page, no links, no names, just a list of phone numbers to call ( mind you the one he called from was listed ). If you XXXX the law firm and add scam at the end theres a bunch of complaints similar to mine. I call him back and told him this and he got mad and said that hes not a scam and hes going to send someone to my home address ( the one he gave me isnt my place of residence its my XXXX apartment. My name isnt on her lease and never was so how he got that idea who knows ). He couldnt tell my where my place of employment was but he said he would send someone over there to serve me papers to show up to court if I didnt pay.
Again I told him I handled everything and Im not paying him any type of money. I contacted the original debt collector and that I would have my {$160.00} debt paid off by XX/XX/XXXX. He insisted I needed to pay him and that I got scammed by someone else. I asked how is that possible when the company I paid is listed as the debt agency who XXXX XXXX XXXX sold my debt to? He couldnt even answer other than look up my agency. I reminded him he said he was a XXXX not a debt collector and he ignored what I said and kept going.
Not to mention I have another number calling me saying theyre from dispatch. From XXXX XXXX. ( XXXX ) XXXX and XXXX XXXX XXXX XXXX. Both these numbers are NOT XXXX XXXX XXXX. The man calling in question is XXXX XXXX. He calls and leaves a voicemail and I call back and a woman answers saying only dispatch. I asked her to speak to XXXX XXXX and she said why. Im not sure why any dispatch would be handling stuff like this but thats the script theyre sticking to. I told her the reason and she said she not him could tell me anything about the situation. She couldnt tell me her XXXX name or phone number, wouldnt tell me her name, wouldnt not couldnt tell me what part of XXXX XXXX she worked for or if it was another county residing in XXXX like XXXX XXXX Dispatch, XXXX, etc.
I told them I was going to report them and she kept saying she didnt know why I would do that and any simple question I threw her way she stuttered and had a hard time answering to.
They wont stop calling me every after I told them I handled my debt. Keep telling me I got scammed by a company thats on my own credit report and not theirs. Keep asking for money even if I block the number the call me from a new one every time.
I need and want this to end.
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| 12/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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I have tried disputing this information with the data furnishers. They have ignored my request to provide me with information that validates this debt. As a consumer i do not owe any alleged debt 15 USC 1962 G, I also have a right to privacy as a consumer. My medical information should not be shared with different agencies.
1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.
( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veteran 's medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veteran 's medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veteran 's medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veteran 's medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
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| 04/13/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that CONSUMER ADJUSTMENT COMPANY had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$570.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. CONSUMER ADJUSTMENT COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX, ( XXXX ) XXXX
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| 04/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been checking my credit report on a daily basis for the past few months, as I am in the process of applying for a mortgage loan. XXXX day, towards the end of XXXX, I checked my XXXX report and to my surprise, I saw a collection from XXXX XXXX XXXX ( CACi ) for {$2900.00}. This collection account had never been on my credit report before, despite CACi reporting it was first opened in XX/XX/XXXX.
I have no knowledge of this account and I am not sure how they obtained my private information, including my social security number. I was not sent any notice regarding this alleged debt which would have given me 30 days by law to request validation & verification of this debt, and/or dispute the debt prior to the collection account being placed on my credit report, pursuant to the FDCPA.
After finding this inaccuracy on my credit report, I called CACi on XX/XX/XXXX and spoke to a customer service rep. When I relayed that I have no knowledge of this account, the rep informed me its an unpaid credit card account from the year XXXX ...! I continued to state that this alleged debt is not mine and I know nothing about this account. The rep seemed like they were trying to jog my memory and they gave me the name and address of someone who they said is affiliated with the account, who lives in XXXX, Georgia. I have never even heard of XXXX, Georgia!
The rep told me I could dispute the debt by emailing them, that it would be faster to resolve than using the postal mail. I emailed them the same day. I emailed them again on XX/XX/XXXX since I had not heard anything back. I also submitted disputes online with XXXX, XXXX and XXXX. I called again and spoke with a rep who told me they did not know what I was talking about in regards to the person in Georgia ; that they did not have any of that information in their system.
Again, I asked them to validate & verify that the debt is mine, to which the rep stated they will return my emailed dispute however it takes up to 60 days. This is not in adherence with FDCPA laws. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) CACi has submitted a debt to the credit reporting agencies without providing validation & verification that the alleged debt is truly mine. They have not provided anything to me proving that this is my debt and that they are legally allowed to attempt to collect payment from me for this debt. They also have failed to report a date of first delinquency ( DOFD ), as it is showing as XX/XX/XXXX on my credit report. This also greatly differs from the year XXXX, which is the date I was told by the first CACi rep I spoke to on XX/XX/XXXX that the account was opened.
This falsely reported debt has caused my credit score to drop tremendously while I am in the middle of applying for a mortgage loan. CACis illegal reporting of this alleged debt has caused me difficulties and delays in the purchase of my home ; not to mention the stress this has caused and all of the time lost that I have spent trying to have this resolved!
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| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hi, My name is XXXX XXXX. In XX/XX/XXXX, I received notice from a loan company that a loan had been taken out in my name. This loan was taken out in XXXX in XX/XX/XXXX near an apartment that I had moved out of in XX/XX/XXXX ( months prior ). I can only suspect that someone used my misrouted mail to steal my identify.
This was done through a company called XXXX XXXX, and the amount was for {$2400.00}.
I called the XXXX XXXX Police Department and reported identity theft, providing them all of the requested details where I would be connected to a detective. The detective requested any documents from the loan company that I could gather.
I reached out to XXXX XXXX via the phone and asked that they provide me any documents for the account to me so that I can provide them to the police department in their open investigation. They provided me a check with a signature in my name that I did not write as well as a false email address associated with the account and fingerprints of the assailant. I provided this to the detective.
I called XXXX XXXX and provided them the details of the case and asked that the account be removed from my name. Verbally, they agreed and said it would be lifted.
In XX/XX/XXXX, I received information from a debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXXXXXX XXXX and asked it to be removed and explained the above. They requested an email with the police report and a description of the details.
I obliged. No further action was taken by this collector.
On XX/XX/XXXX, I received information from another debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXX and requested that this removed from my name and explained the above. They requested an email with the police report and description of the details. I obliged and followed up on XX/XX/XXXX and XX/XX/XXXX. No further action was taken by this collector.
On XX/XX/XXXX I submitted a dispute through XXXX XXXX ( who submitted to XXXX ). I received those results on XX/XX/XXXX as denied.
I have been affected in my loan applications and my credit. Now I am looking at buying a house and moving forward with my life, but I can not until this is resolved, as it is affecting my credit.
On XX/XX/XXXX, I opened a dispute through XXXX XXXX ( who submitted to XXXX ). I am currently awaiting the investigation for this dispute.
I did not realize that being a victim to identity theft would result in being ignored and affected for several years. This is a small loan amount, yet it affects major life choices and decisions. I did not request this loan and my identity was stolen. I have proof that this loan was taken out fraudulently ( through the perpetrator 's fingerprints and signature ) as well as have taken action through law enforcement and formal requests to the collectors.
I would simply like for this to be removed from my credit history.
Thank you for your time, XXXX XXXX
|
| 06/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The first time I became aware of this debt was when I saw it on my credit report : Amount : {$980.00} Original Creditor : XXXX at XXXXXXXX XXXX XXXX XXXX : Consumer Adjustment Co I did not receive any communication regarding this debt from Consumer Adjustment Company, but I recognized the name of the original creditor as a hospital at which I was a patient. I assumed this was related to an unpaid copay from that hospital. I reached out to Consumer Adjustment Company via their website to reach an agreement on the debt. I received no response.
Because of the lack of response from Consumer Adjustment Co, I then reached out to the hospital billing department and paid the outstanding bill to them directly. I later learned that that bill was not the one that Consumer Adjustment Co was trying to collect on. I had no way of knowing this at that point. Therefore, I thought the debt was settled and attempted to dispute the debt with the credit bureaus. The disputes were denied.
I then filed a complaint to the XXXX XXXX XXXX Finally, the debt collector communicated regarding the debt, providing a date and the name of one of the healthcare providers who cared for me at the hospital ( I thought it was unusual that they had the specific name of a care provider ). This communication was the first I had heard from Consumer Adjustment Co, and it was through Better Business Bureau. The date Consumer Adjustment Co provided in this communication was not the same date for the balance I paid to the hospital already, so at this point, I assumed there must be another debt that I was unaware of.
I then reached out to the hospital billing department again and was informed : 1. the debt for the date in question was assigned to a different collection agency than the one that is trying to collect on it 2. the hospital billing department does not deal with Consumer Adjustment Company at all 3. the amount is incorrect 4. the debt is not considered delinquent at this time and should not be reported to the credit bureaus When I first saw this debt on my credit report, I was uninformed of the obligation of the debt collector to notify me of the debt or to provide me with an opportunity to request further information. At this time, the only communication from Consumer Adjustment Co has been in response to my XXXX XXXX XXXX dispute. I am wary not only of the legitimacy of the debt but of the circumstances of how Consumer Adjustment Co has the specific name of a care provider from my visit to the hospital. I have yet to receive any debt validation from Consumer Adjustment Co, and the original creditor is denying the existence of any outstanding debt with Consumer Adjustment Co. I am suspicious that this may be fraudulent.
The date of service Consumer Adjustment Co is attempting to collect on is XX/XX/20 from XXXX at XXXXXXXX XXXX XXXX
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| 08/15/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear Consumer Adjustment Company, I hope this letter finds you well. I am writing to bring an urgent matter to your attention regarding a fraudulent collection account that has appeared on my credit report. I kindly request your immediate assistance in investigating and removing this account from my credit file.
I have recently discovered that a collection account, listed under Consumer Adjustment Co XXXX, has been erroneously added to my credit report. This account is associated with XXXX XXXX XXXX XXXX, and I want to emphasize that this collection is entirely fraudulent and should not be linked to my credit history in any way.
To support my claim, I have filed a police report with the XXXX Police Dept. regarding this fraudulent activity. Enclosed with this letter, you will find a copy of the police report for your reference and review. The report clearly outlines the details of the fraud and confirms that I am a victim in this case.
I am greatly concerned about the negative impact this fraudulent collection account may have on my creditworthiness and financial well-being. It is essential that this false information is removed promptly to restore the accuracy of my credit report.
In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the following actions to be taken : 1. Immediate investigation : I request that you thoroughly investigate the legitimacy of the collection account in question, taking into account the evidence provided, including the attached police report.
2. Suspension of reporting : I request that you suspend any reporting of this fraudulent account to other creditors, lenders, and credit bureaus. Continued reporting of this fraudulent information would only exacerbate the harm to my creditworthiness.
3. Removal of fraudulent account : I kindly request the immediate removal of the fraudulent collection account from my credit report. This step is crucial to ensure the accuracy and fairness of my credit history.
I understand that the FCRA mandates a prompt response to consumer disputes, typically within 30 days. Given the urgency of this matter, I kindly request that you expedite your investigation and resolution process. Timely resolution of this issue is of utmost importance to prevent further damage to my credit standing and financial reputation.
Please acknowledge receipt of this letter and provide me with a written confirmation of your investigation process and any updates regarding the status of the fraudulent collection account.
I appreciate your attention to this matter and your cooperation in resolving this issue as quickly as possible. I trust that you will handle this dispute with the utmost professionalism and adhere to the necessary guidelines outlined in the FCRA.
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| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 ) CONSUMER ADJUSTMENT CO ( XXXX XXXX XXXX ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV
form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported
within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.
Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
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| 07/17/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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CACI/Consumer Adjustment Company Inc is a debt buyer that just showed up on my credit reports on XX/XX/XXXX. CACI claims to have opened an accoubt with me on XX/XX/XXXX per my credit reports. They are trying to collect money for XXXX XXXX XXXX which was a company that I've already paid off and as well they are a part of the XXXX XXXX settlement that I received money from for their illegal lending practices. I paid my loan odf within weeks of opening it for {$1000.00}. CACI is not only attempting to collect on a loan that was already paid but has also violated the Fair Debt Collection Practice Act by adding more money to a paid off loan. CACI is claiming that I owe CACI {$1500.00}. I will now quote the CFPB 's findings : " XXXX XXXX engaged in unfair, deceptive, and abusive acts and practices in violation of the Consumer Financial Protection Act in connection with the illegal collection of loans that were void in whole or in part under state laws governing interest rate caps, the licensing of lenders, or both.
The Bureaus first amended complaint, filed in the U.S. District Court for the District of XXXX in XXXX, alleged that the XXXX XXXX XXXX operated as a common enterprise that affiliated with tribal lenders in the offering and collection of online installment loans and online lines of credit to consumers nationwide. The XXXX XXXX XXXX, the Bureau alleged, made deceptive demands and illegally took money from consumers bank accounts for debts that consumers did not actually owe because the loans were either partially or completely void under the law of 17 states. The Bureau also alleged that the XXXX XXXX XXXX provided substantial assistance to two debt collection companies that were also engaged in the illegal collection of loans. '' CACI is in violation of the Fair Debt Collection Practices Act in a number of ways. One reason is that CACI has never written me nor contacted me by postal mail as required by the Fair Debt Collection Practice Act. I am considering pursuing litigation as this company is attempting to collect money on a debt that was already paid off, for defamation as this company is reporting falsely on my credit report, and is in violation ofthe Fair Debt Collection Practices Act, 15 U.S.C. 1692 by : 1. Failing to provide a written notice 2. Adding unauthorized collections and XXXX. Attempting to collect a debt that is not owed. I have attached proof of payment and removal of my XXXX XXXX XXXX account. As well, I am requesting that the CFPB add CACI for further investigation into the XXXX XXXX complaint.
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| 05/16/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I discovered on my credit report recently an account in my name for {$900.00} at a local hospital that was supposedly placed in collections in XXXX of XXXX. The problem is that I have never received a bill nor even a letter from any collections agency for this mystery bill, nor can anyone from the hospital tell me what the bill is supposedly for or why its showing as derogatory/in collections on my credit report. In fact, in XXXX of XXXX, I suffered an emergency XXXX XXXX in the middle of the night, resulting in an ER visit and many trips to various specialists, labs for blood work and XXXX XXXX, XXXX XXXX, and an XXXX. I have faithfully paid every medical bill that has come to my home since. I have lived at my current residence since XXXX, so letters from the last 4 years and roughly 8 months would come to my current address. Ive been asking, begging even for answers for months now, but as of this morning, XX/XX/XXXX, even the assistant director of patient financial services at the hospital can not tell me where the {$900.00} bill came from or why Im being reported for it. According to every single person in billing/patient accounts/financial services that Ive spoken to at the hospital, all of my accounts are current and being paid on time, which is precisely my own understanding, as Im the one who pays my medical bills and do not fail to do so. I am very protective of my finances and credit. My spouse and I have worked very hard for 8 years to finally buy our first home, and this surprise derogatory on my credit has made what should be a joyful time for us a complete nightmare. We are not able to move on with our lives until this is rectified due to the harm it could cause us financially. Ive paid thousands in copays and bills already to this very hospital, and this billing error needs to finally be fixed. I have emailed everyone I can email, including the acting president and CEO of the hospital, in hopes that someone will finally end this nightmare. XXXX recommended I come here to file a complaint since the collections agency that has this erroneous account is who is contacted for disputes, not the hospital, so of course, they say its all correct. I have all of the many emails saved to a PDF documenting the months Ive spent asking for answers and help resolving this, and I am happy to provide them in addition to the latest communications that Im including with this report. The file is more than XXXX and I could not upload it.
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| 08/13/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX CONSUMER ADJUSTMENT Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CONSUMER ADJUSTMENT Reported : XXXX XXXX, XXXX - {$1700.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 11/29/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ).
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law.
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt.
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA.
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XX/XX/XXXX
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.
If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.
Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
XXXX XXXX XXXX
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| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
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| 06/03/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX CONSUMER ADJ CO Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : * What the money you say I owe is for; * Explain and show me how you calculated what you say I owe : * Provide me with copies of any papers that show I agreed to pay what you say Iowe : * Provide a verification or copy of any judgment if applicable : * Identify the original creditor.
* Prove the Statute of Limitations has not expired on this account : * Show me that you are licensed to collect in my state : California * Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : * Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act * Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
**Attachments showing that this account has been deleted from the other credit reporting agencies. **
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| 03/31/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX I signed up for a membership to XXXX XXXX for {$42.00} a month. The next day I tried to contact them to cancel my membership due to the fact that visits were extremely limited and reservations were required for limited time blocks due to the pandemic. This was not explained when I signed up. I tried calling several times leaving voicemails with my information and the reason I was calling. I did not receive a call back or any response. I called the corporate office to see if maybe they could do anything but I was told I needed to go through guest relations. So I emailed them and finally received a response back on XX/XX/XXXX, with a case number XXXX. I waited a week to hear back from them but no one contacted me. I emailed them a couple more times and finally received another email from them with a different case number XXXX. Again I waited for a response. By this time my credit card was charged once again for a service I wasnt using. I emailed them again on XX/XX/XXXX and informed them payments would be stopped since XXXX XXXX received a response from them. Still no response. XX/XX/XXXX XXXX received an email from XXXX XXXX requesting I contact them about payment to my account, HOW!! The next email I received was XX/XX/XXXX, asking me to contact guest relations because they needed my help to update payment information. I attempted to call WITH NO response. Then on XX/XX/XXXX, I received a letter from CACi stating my account had been turned over to them for collections. I emailed them to dispute the validity of the collection XXXX. No response from them as well. I called CACi and spoke with a representative and explained the situation to him. He said they received my email and sent an email to me but it was an incorrect email. How is that possible when I emailed them from my email address?? So he updated my email and told me they would get back with me. I never received an email, phone call or letter in the mail from them with a response. Then XX/XX/2022, I noticed a new collection on my credit reports from Consumer Adjustment for the amount of {$610.00}.
WHAT!! How is this even legal. And where did they come up with that sum?? Now I have been back and forth with all three credit bureaus for the past XXXX months disputing this collection. I have submitted documents and called the credit bureaus without resolve. Please help me to resolve this matter and remove this collection from my credit reports.
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| 04/30/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX I had to be taken by ambulance to the hospital. I was admitted, saw several doctors while there and was discharged after one night. I provided my insurance information to the hospital upon arrival. It is important to note that I was taken to 2 hospitals. The first hospital as well as the both ambulance trips are not included in this because they were paid by my insurance. Inthis case, the second hospital ( that I was transferred to ) sent my information on a face sheet to the different medical entities associated with my care, which had my name, SSN and birthdate correct. But they provided a phone number and address which has never been mine, and that I was uninsured and self-pa. At the time I was working for the state of Florida and had state government XXXX. All the medical bills and calls were not reaching me and I didn't even know these accounts were sent to collections. I was not given any time to fix it. I reached out to the hospital who cleared it up on their end and got their money from the insurance company. There were several accounts sent to collections. When I reached out to the original creditor for these 2 accounts that should not be on my credit report, they refused to help me since they already sent it to collections. The collection agency refused as well because they said they don't care that I had insurance, they just want their money. Neither the original creditor nor the agency can give me the information I need ( despite requests to send itemized bills to me ) to even go back to the insurance company myself to get these paid. I disputed these because my insurance would've covered 100 % of all the bills and nothing would've ever gone to collections. The dispute removed the collections off my report a year ago. Last month I noticed they were back on my report again as of XX/XX/XXXX. XXXX never sent me a letter of reinsertion to explain why. I disputed again and XXXX is refusing to remove the accounts off my record. No idea why, as it merely says the information was updated. The address associated with the information provided by the hospital is now also on my credit report. But I have never lived at that location. All of the information associated with these 2 accounts is completely incorrect. I do not owe this money.
I am attaching a letter from XXXX as proof of insurance at the time the medical service occurred, which again was in XX/XX/XXXX.
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| 01/07/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Consumer Adjustment Co, placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with Consumer Adjustment Co. According to 15 USC 1692J-Consumer Adjustment Co is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice
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| 11/24/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint submission is in regards to a false credit report by CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2022, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2022, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
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| 09/06/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX Consumer Adjustment XXXX Consumer Adjustment XXXX Your company have violated FCRA XXXX ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Consumer Adjustment XXXX Consumer Adjustment XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern : I have reviewed my credit report and see that your company ( CONSUMER ADJUSTMENT COMPANY ) has listed an account on my credit file with A balance. XXXX XXXX XX/XX/XXXX XX/XX/XXXX OF {$1000.00} ) I have attached A screenshot of the reporting reflecting on my consumer report. I have NEVER been at such medical facility or received care from such place. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
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| 04/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX CONSUMER ADJUSTMENT CO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CONSUMER ADJUSTMENT CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
The following companies whom have not sent me proof of contract from original collector providing proof of debt are XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER ADJ CO Due to these company getting a charge off tax write off and profit with this account I was supposed to by law receive a 1099 from this company that I have requested which the law states any write offs over {$600.00} is my right to be given, I was never mailed a copy of this 1099 for this alleged debt. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
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| 06/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Consumer Adjustment Company CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX To : The XXXX XXXX XXXX XXXX for Consumer Adjustment Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
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| 02/24/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received an alert from XXXX XXXX that a Collections account was reported on my credit file XX/XX/XXXX and looking up the info from XXXX XXXX was Consumer Adjustment Company , Inc. I never received any notifications from any company or mailings of validation of debt to dispute. I have Informed Delivery from XXXX that informs if mailings is being delivered and the Company Consumer Adjustment Company violated the FDCPA ( 15 U.S. Code 1692k ).
When a Debt Collector Can Report Information About a Debt to Credit Reporting Agencies Effective XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first contacting the consumer. Specifically, before reporting a debt to a credit reporting agency, the debt collector must : speak to the consumer in person or by phone or mail a letter or send an electronic message, like an email, about the debt to the consumer and then wait a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverable comes back.
No attempts was made prior to reporting on the Credit file. Consumer Adjustment Company , Inc said that I owe XXXX XXXX XX/XX/XXXX. I contacted XXXX XXXX no as I have not received such info from the Business. I have done Business with XXXX XXXX in the past and the disputed with XXXX XXXX and no Validation of Debt was sent to me. Although they mention I had loans after XX/XX/XXXX. As 1 loan can be taken out at a time after it is paid off with the Company.
I disputed with the Credit Bureaus and the XXXX major Companies, XXXX, XXXX, and XXXX refuse to delete as Consumer Adjustment Company said the info was correct.
I emailed Consumer Adjustment Company , Inc on XX/XX/XXXX that I disputed the account.
On XX/XX/XXXX a response was 2 forms that was sent and that the info can not be deleted from file. I informed that a data breach is in the system because this is not accurate. Consumer Adjustment Company , Inc fails to comply with the rules of the FDCPA and Consumer Financial Protection Act. My info is used into the 3 major credit bureaus and not handled properly.
|
| 08/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I made an XXXX XXXX visit to XXXX XXXX in XXXX, Colorado in XX/XX/XXXX. I was covered by health insurance at the time and paid a number of bills related to the visit out-of-pocket up to the point of maximizing my deductible. More than 2 years later, in XX/XX/XXXX, I received a letter from XXXX XXXX XXXX attempting to collect a bill from Colorado XXXX XXXX XXXX for {$450.00}. I called XXXX and requested a copy of the bill and contested the validity of the outstanding amount since I had maximized my deductible under the policy. I could not find any record of having received the bill or any correspondence with my insurance company in my personal files. I never received a copy of the bill from XXXX, so I sent a letter to XXXX contesting the debt on XX/XX/XXXX. I have a copy of the letter and I sent it certified mail, return receipt. I never received a response to the letter from XXXX.
I received a letter from another collection agency, XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX trying to collect the same debt. I called the agency and explained that I had previously contested the debt and again requested a copy of the bill. I never received a copy of the bill. I sent a letter to XXXX dated XX/XX/XXXX explaining that I had previously contested the bill and repeated the reasons I was continuing to contest it. I requested that they discontinue an further harassment of me about the matter.
I just received a letter from a third collection agency, CACi, dated XX/XX/XXXX trying to collect the same bill. I called CACi and attempted to explain that I have contested the debt twice already and don't think I should have to do so again for a third time. CACi stated that they are representing an organization called XXXX XXXX XXXX who is the " owner '' of the account. CACi offered me no other solution other than to contest the bill in writing a third time. I once again requested a copy of the bill from CACi, and the supervisor I spoke to said they couldn't provide it to me.
Since I have never received any responses to my previous letters contesting the bill, I believe this now amounts to harassment and should cease. Thank you!
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| 04/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I submitted a complain ( # XXXX ) regarding I did not receive notice to dispute from Consumer Adjustment co XXXX XXXX XX/XX/XXXX the company responded, stating they have sent me a initial notice thought US postal on XX/XX/XXXX ( with no proof of delivery ), Company responded to the complaint stating they will respond to dispute letter. I did not receive enough information to verify any debt.
The information I did receive violation code 15 US 1692 ( b ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Furthermore this company has violated my consumer right by reporting to credit bureaus without written consent According to 15 U.S. Code 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except for 15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall Lastly when I pulled my credit file for XXXX under loan type it says Collection agency/attorney which is very misleading.
According to 15 U.S. Code 16929 ( e ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
My consumer rights have been violated and this is affecting my credit file tremendously. I would like for the company to be removed off my credit immediately and to fine for the violations listed above.
Attached below are all supporting documentation.
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| 07/10/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 05/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Dating back to XXXX my personal information was used to obtain a payday loan and siphon by bank account at the time. When noticing significant money leaving my bank account after talking with a representative at my financial institution month after month to resolve, I was instructed to close the bank account and to open a different account so this doesn't happen again. From XX/XX/XXXX - To now ( XX/XX/XXXX ) I have been called by debt collectors on my work cellphone from a new company each month claiming that I owe them money for a Payday loan that is physically unobtainable in the state I live in. It got to the point where these companies started to call my family members for this fraudulent debt. After saying this is Identity Theft from my info that's available on the dark web & people finding sites the company leaves me alone and gives it to another company since their stories & reasons for collecting change every time. This time I received a notification on my credit report that I have a collections account from Consumer Adjustment CO. I look at the details and its because of the XXXX fraud. My identity is still compromised because of this fraud years ago. I put freezes on my credit reports and social number then contacted XXXXonsumer Adjustment CO. After talking to the representative, the information they were asking me about was the information available online used in the fraud. They were trying to put words in my mouth to make it seem like it was me, but they could not tell me my current address or the actual date of when this identity theft took place and tried to get me to say more information about me.
Even when you think that you have taken care of identity theft, they keep coming back. The dark web is a dangerous place and I have been a victim of my information on there for a long time, the most recent is my social security number and email in attempt to make a XXXX XXXX XXXXXXXX account on XX/XX/XXXX and XX/XX/XXXX of this year where they knew my full social. I pray that nobody else has to go through identity theft
|
| 10/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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UPDATE - I NOW HAVE THEIR NAME ( same company as CONSUMER ADJUSTMENT COMPANY but under different name ) : They call every day and even calling family members. I called back asking them repeatedly to STOP calling and they said " This is the United States they can do whatever they want to do. '' They then hung up. When I called back, I got a different person and made the same request to STOP CALLING ME. The person hung up. I called back AGAIN but this this time, I got the same guy who made the above comment. The same guy who said : " Now you're harassing me Ms XXXX '' - which is aburd. All of this is harasment and abusive and tactics to upset the consumer and it was holiday when this took place ( XXXX 's XXXX - XX/XX/2023 ). My mother is 80 years of age and in the hospital and they are even calling HER PHONE number... .this needs to stop now. I believe the company is CONSUMER ADJUSTMENT COMPANY. When I asked them to identify themselves, they said they were XXXX XXXX XXXX OF MEDIATION ( I believe it's just a different name for CONSUMER ADJUSTMENT COMPANY- same company just different name ).. I have good credit with the exception of this OLD DEBT that they said they would not report on my credit report but they did so anyway. I have no medical debt. No student loans. I own no property. I have no car. I have XXXX credit cards ALL OF WHICH are in good standing so I am pretty sure this is CONSUMER ADJUSTMENT COMPANY working with some company called XXXX XXXX XXXX. They need tostop contacting me and my family. They are abusive, they hang up when questions are demanded of them, they talk down to the person and project their own harassment onto the customer as though it's the customer 's fault that they have to call us and our family so much. These people answer the phones with nothing but angry at the onset. Meaning the moment you call them they are already defensive and ready to argue. I have attached the debt I believe they are calling about. A debit they said would never go on my credit report but they lied and placed it there anyway.
|
| 04/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Dear Sir/Madam, I am writing to file a formal complaint against CACi for their apparent violation of the Fair Debt Collection Practices Act ( FDCPA ) and their failure to address my concerns regarding a debt that has been reported on my credit report without any prior notice.
On XX/XX/2023, I messaged CACi after discovering an unrecognized debt on my credit report. I called them to open a dispute and request an itemized bill. I was unable to reach any managers, but a representative informed me that I would receive a callback. Later, I received a call and was instructed to send an email to [ company email address ] and was assured that I would receive a response within 72 hours. To ensure my concerns were addressed, I also submitted a request via their website.
It has now been over 30 days, and not only have I not received any response to my emails or dispute request, but the debt is still being reported on my credit report. I believe CACi may be in violation of the following sections of the FDCPA : Section 809 ( a ) : Validation of Debts CACi failed to provide any written notice containing the amount of the debt, the name of the creditor, and a statement that, unless the consumer disputes the validity of the debt within 30 days, it will be assumed to be valid.
Section 809 ( b ) : Disputed Debts Upon my dispute, CACi should have ceased collection of the debt until they provided me with the requested verification. They have not only failed to provide verification but have also continued reporting the debt on my credit report.
I kindly request that the CFPB investigate this matter and take appropriate action against CACi for its apparent violation of the FDCPA. I also request that the debt be removed from my credit report if it is found to be invalid or if CACi continues to fail to provide the necessary verification.
Please find enclosed copies of my correspondence with CACi as evidence of my attempts to resolve this issue.
I appreciate your attention to this matter and look forward to your prompt response.
|
| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX is the only one to have fixed most of my account except one collections account its not in there but XXXX and XXXX XXXX still have credit collections agency is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX and XXXX XXXX That I dont recognize - 1 ) Date Reported : XX/XX/XXXX Collection Agency CONSUMER ADJUSTMENT COMPANY Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXXLast Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status DateXX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX
|
| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I first found out that Consumer Adjustment was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate.
However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed XXXX that they were in violation due to the reinsertion. XXXX was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report.
In XX/XX/XXXX of XXXX again this company has reinserted the item on my XXXX report ; and once again after sending another request for validation they removed.
To my surprise, Consumer Adjustment has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address.
I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! XXXX is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue.
I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that Consumer Adjustment was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.
|
| 04/02/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 03/04/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 03/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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On XX/XX/XXXX, I submitted a complaint # XXXX to CFPB. The company, Consumer Adjustment Company , Inc. ( CACi ), responded to the complaint on XX/XX/XXXX. The former complaint was in regards to CACi, a debt collector, who allegedly was authorized to collect an alleged debt. CACi reported this alleged debt to consumer reporting agencies which caused a decrease in my credit score. I immediately disputed the CACi reporting via CFPB and the consumer reporting agencies and the report was immediately removed from my consumer credit report. Although the negative information was removed following my dispute, my credit score did not return to its original value before the CACi reporting. Therefore, I sought remedy from CACi for violations which were made against my consumer rights according to 15 U.S. Code Chapter 41. Along with the request for remedy, I submitted a certified mailed letter with signature request to CACi, informing them of the several consumer law violations which were made by them and an invoice was attached as well. I demanded a remedy and/or rebuttal of my request be presented to me within the next 10 business days from receiving my letter. A CACi, representative signed the receipt of this letter on XX/XX/XXXX. As of today, no response nor payment has been received from CACi. I have attached to this complaint, a copy of the affidavit and invoice which was mailed to CACi. Per the attachment, please note that CACi was dishonest with the information which was given in response to my previous claim against them. CACi reviewed my consumer report almost a month in advance before reporting new alleged debt information which consisted of incorrect information. CACi was careless in its operation of collecting alleged debt and in doing so, caused harm to the integrity of my financial dependence. CACi caused a negative impact on my livelihood and must take responsibility and acceptance to their negligence in reporting of consumer credit misinformation.
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
On XXXX an erroneous collection account from Consumer Adjustment Co for {$2200.00} was placed on my credit report. Consumer Adjustment Company placed a collection on my credit report without ever contacting me first to validate or resolve. This company violated the Fair credit reporting act. I have never received a letter of validation to dispute from this company. No phone calls, or email to dispute. I was not giving 30 days. I do not owe this debt. This needs to be removed from my credit report. Researching this company shows that they are notorious for placing false collections on other people 's credit profiles. This false collection from this company is damaging my credit and I request that it be removed immediately. I do not have a contract with them. I have never signed any form of agreement with them. And have never even been contacted by this company. This is a violation of my rights under the Fair Credit Reporting Act and I request this be removed immediately. When I called the number on their website, XXXX, the first time, I was unable to complete their requests to initiate IdentityIQ, as I was driving. The gentleman on the phone said he would call me back. The call did come from XXXX which appears to be directly from Consumer Adjustment Company Inc. I did not answer because I was expecting the XXXX number. However, when I called back when I got out of the car, the call seemed to go to a holding company that holds collection debt from a variety of collection organizations and they were unable to help me without me providing them with a credit card to obtain my credit report to " confirm '' what I was requesting. As a matter of fact, the gentleman on the phone asked me who the collection company was. When I told him Consumer Adjustment Company he said he had never heard of them. I am requesting that this invalid collection account credit line be removed from all credit reporting agencies.
|
| 05/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I contacted Consumer Adjustment Co about a debt I owed to XXXX XXXX XXXX XXXX Mastercard for {$800.00}, now {$1200.00}. I spoke with Mr. XXXX on XX/XX/XXXX, XXXX, XXXX. He claimed they were waiting on the XXXX XXXX XXXX to release the debt I owed them over to them. I was not happy with the waiting, i offered XXXX for the debt, and they said no. I needed to pay XXXX. I said maybe in payments. He never got back to me. I called and spoke with XXXX XXXX. She offered me a deal of XXXX, but claimed they were still waiting on the Bank to release the information. That was on XX/XX/XXXX i spoke with her. I then started receiving calls from XXXX XXXX stating the same of just waiting on the bank of missouri. That was on XX/XX/2017, and XX/XX/XXXX i received a call from XXXX, went to voicemail. I have those voicemails. I called back and spoke with a secretary who told me that a company called XXXX associates would be handling my case now. I told him i never was in agreement with this company, and no longer felt that their practices were lawful. I called XXXX XXXX on XX/XX/XXXX and advised them not to contact me, and that i would make a report to the Attorney Generals office, and the FTC and CFPB regarding the deceptive debt collecting practice. I believe they never owned the debt and took advantage of me by calling them and offering to settle. This debt should be nullified due to i was never agreement with any 3rd parties. This company also told me that they would now collect this debt for XXXX associates and the bank of missouri anymore, and to send them the money. The companies are both the same address and phone numbers attached. I have a copy of the new letter they sent me trying to collect under another name. I waited over 55 days for this company to produce something and they never did, just another collection letter from them with a new name claiming they are the ones that are now owed.
|
| 03/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/2023 and XX/XX/2023 I received an alert about a new trade line for a collection in the amount of {$580.00} being added to my credit reports which dropped my score by several points. I have NOT ONCE received ANY written correspondence whatsoever from Consumer Adjustment Co. about this alleged debt, and the amount they are referring to, giving me the opportunity to dispute the debt as per the FCRA. This alleged debt is also beyond the statute of limitations for reporting on any of my credit reports.
I DISPUTE THE VALIDITY OF THIS DEBT and want the collections permanently removed from ALL of my credit reports immediately.
I also want the following information sent to me The name and address of the Original creditor.
The account number.
Copy of ORIGINAL dated and signed written agreements between me and alleged creditor with amount borrowed/owed.
Verification that there is a valid basis for claiming I am required to pay the alleged amount owed.
Full Details about the age and amount of the alleged debt including a copy of the last billing statement from the original creditor.
Proof of ORIGINAL date the Original creditor claims this alleged debt became delinquent.
PROOF this debt is within the legal statute of limitations and how that was determined.
Details about your authority to collect this debt and whether you are licensed in my state and if so provide the date of the license, name on the license, and the license number, As well as the name, address and telephone number of the state agency issuing the license.
It is a violation of federal law for Consumer Adjustment Company to report inaccurate, incomplete or fraudulent information anywhere on my credit reports, thus causing my good credit score to suffer damages. I will exercise my rights to recover damages to my score for illegal reporting.
|
| 07/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
|
| 03/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$570.00} XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate. Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report. I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection.
Unknow debt. I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act.
Credit ratings reflect a relative ranking of credit risk and play a critical role in the marketplace. The ratings have a dramatic effect on the perceived value. Unfortunately, there were some conflict of interest situations involving credit rating agencies and certain investments that led to significant mismanagement of risks during the economic meltdown in XXXX. The third most well-known part of the FCRA is the Fair and Accurate Credit Transactions Act. The Dodd-Frank Wall Street Reform and Consumer Protection Act ( DFA ) was passed in XXXX to stop major financial institutions and creditors from continuing unfair practices.
The act is intended to prevent a major recession like the XXXX started in XXXX. Also a XXXX violation to sell any medical information without my consent and signature or knowledge.
|
| 11/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I my personal credit information was exposed in both of the XXXX data breaches. I have been working on fixing my credit since XXXX of XXXX when I first noticed the problem. Both XXXX and XXXX accepted my paperwork with no problems and blocked the information from my credit report. I have submitted the same paperwork along with additional notarized paperwork every time they ask to XXXX and since they have added 2 additional variations of my social security number along with an entire social security number all together. They have added fraudulent address that have never been reported to my credit files along with additional fraudulent accounts that have seemed impossible to remove no matter what information I submit. I have spent countless hours on the telephone and sending documentation along with money sending certified documents and getting paperwork notarized multiple times. I have lost several contract for my business because of their poor credit reporting of fraudulent information. They have been extremely negligent with my personal information and I have been unable to resolve this issue through regular channels. I get different information every time I call and it has effected every aspect of my life.
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Consumer Adjustment Co ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
|
| 01/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have previously disputed this charge several other times.SEE other complaints by me regarding this issue.
1. The correct amount is NOT {$790.00}, it is {$370.00}. See exhibit # 1 & 2. This is the bill for the physicians part of service and description of what this charge is. Note the physicians name and description in middle of page, note date of service etc.
2. This charge already appeared on a XXXX, XXXX, XXXX, XXXX credit reports.On the first three I got it removed via previous cfpb complaints except for XXXX. See exhibit # 2. I did not owe this and this is not my debt because I had filed for indigency which was approved for both the er visit and the physician part. See exhibit # 3. It is illegal for this charge to reappear after it has already appeared on a credit report.
****see cfpb complaints XXXX & XXXX **after last complaint here, collector took it off and said it was marked as unpaid. I thought that meant it could not be sold again.
3. I was able to get this removed from all previous credit reports but Im now disputing the XXXX report where THEY HAVE REPORTED IT THREE TIMES. It does not belong on my credit report now since I filed for indigency, due to my economic situation at the time. See exhibit # 3. Also note my balance due is {$0.00}. The hospital wrote off the whole amount due to the indigency. The physicians did the same following the hospital. The indigency application follows all charges.
4. It needs to be removed from my credit report PERMANENTLY because it is not a valid charge, for the reasons stated above.It should not be able to be sold again.
Please remove this charge from my credit report. It is inaccurate, illegal, invalid, fraudulent.
XXXX XXXX, XXXX XXXX XXXX, XXXX al XXXX ( ss XXXX )
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I have connected XXXX on numerous occasions within the current year of XXXX informing them that my information on my credit report such as name and address does not exists and I would like for it to be removed. XXXX has informed me that it was removed. I ran my credit on XX/XX/XXXX and the same information is being listed on my credit report that is not me or non factual.
Name ID # XXXX listed on my credit report is not my name and I would like it removed and anything attached to it be removed. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it.
Address ID # XXXX is not my address, I never lived there and the address is non existence, I would like it removed off my credit report and anything attached to it. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it.
Consumer adjustment Co is reporting on my credit account inaccurate information, the balance is stating XXXX. The original creditor is XXXX XXXX, XXXX XXXX is reporting on my credit numerous times with a balance of XXXX. This same account is being reported 3 times on my credit.
XXXX XXXX XXXX original balance XXXX is reporting multiple times on my credit report. It is reporting as XXXX XXXX XXXX and also XXXX with the same balance as XXXX. It is the same company. It should not be reporting twice. I contacted XXXX and disputed this and they ignored my concern and failed to tell me why the same company is reporting multiple times on my credit report.
XXXX ... In XXXX XXXX has been in a repossession class action lawsuit and I would like this removed off my credit report.
|
| 08/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a report today from two of the credit bureaus ( XXXX, XXXX, ) indicating that a collection agency, by the name of Consumer Adjustment Co., which I never heard of, had reported me to be in a collection delinquent status, for the amount of {$280.00}, supposedly because the aforesaid amount, was past due for 1 month. I find this report to be totally unjustifiable, for I do neither know what kind of company this is ( if in fact, it is legitimate or fraudulent, ) nor do I know, what the amount it claims " I owe to them, '' has to do with, or stems from.
I have never done any kind of business with this company, and if it is true that I owe it, or any of its commercial associates, the amount it claims I owe ( past due one month, ) I ask you kindly to answer me : I am not entitled to being informed about the debt, before they report me, and maliciously affect my credit? and even if I owed them the amount in question, is it justifiable for this company to report someone as delinquently owing them, only after 30 days go by, without making first, a conscious effort to reach the person adequately, and documenting the financial obligation well, to that person. I find this situation to be extremely unfair, maliciously intended to destroy people 's hard earning credit ratings, in a total violation of consumer rights, and perhaps ( unless the debt is proven, ) even Fraudulent. Please help me out to clear my name, but most importantly, to restore my credit rating, as it went down 61 points immediately, due to this inaccurate report. Thank you very much.
The information of the aforementioned collection agency, is as follows : CONSUMER ADJUSTMENT CO. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX XXXX
|
| 07/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I pull have alerts set up on my credit as a result I received one stating that I have a collections account. I the called the place of business only to get brushed off by a staff member because I did not want to provide my personal identity information. I was not comfortable doing such because I have never done ANY BUSINESS with the merchant requested and I am not even sure how they were able to just plaster their info on my credit report without even have said proof.
I DO NOT have any account with XXXX XXXX in fact I have never step foot on their property in over 2 decades. In fact, when I noticed a charge on my bank account initially back in XXXX of 2021, I immediately filed an unauthorized dispute with my bank. They closed the account and I thought that was the end of it. Now, they put an account on my credit when again I did not sign up for any account.
Lastly on XXXX I called XXXXXXXX XXXX and explained that I personally was not the one who made the change on my card but knew who did and the charge was not authorized. I did not wish to prosecute the person because it was someone from my XXXX XXXX XXXXXXXX XXXX daycare center who also is a minor. At this point I feel like they took advantage of a situation and wish to hold someone accountable. However, that person is not me, I was working when this occurred and again DID NOT give anyone permission to use my bank card/XXXX XXXX or any financial Information to sign up for an account with these people.
Nor did I sign anything EVER with the merchant agreeing today for anything. I tried to resolve the matter almost a year ago but they are now being vindictive to go the extra mile trying to force me to pay for what is clearly an unauthorized transaction.
|
| 05/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
CACI, Consumers Adjustment, a debt collecting agency, has recently identified itself as a Creditor on XXXX XXXX 's 3 credit bureaus credit reports as XX/XX/XXXX and XX/XX/XXXX.
Derogatory Information 1 Account XXXX XXXX XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Status Closed Unknown Unknown Derogatory Information 2 Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Derogatory Information 3 Account - XXXX XXXX Date Reported - XXXX XXXX Creditor Name - - CONSUMER ADJ CACI disclosed itself as a Debt Collection Agency on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has never done any type of financial obligation transactions with CACI directly. CACI was attempting to collect a health insurance claim for Hospitalist Medicine Physicians of Texas, XXXX related to an Emergency Room treatment performed on XX/XX/XXXX and XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX of Texas, XXXX erroneously filed incorrect emergency room claims from XX/XX/XXXX to XX/XX/XXXX. Both claims have been settled as XX/XX/XXXX and XX/XX/XXXX. Hospitalist Medicine Physicians of Texas, XXXX is currently reviewing the case because I have asked them to withdraw the Credit Bureaus Debt Collection and Derogatory Information and to help me regain the XXXX points I lost in my FICO credit rating. CACI has renewed the debt information and listed themselves as Creditors. I request that all Debt Collection and Derogatory Information be removed from my credit reports to the 3 credit bureaus and that my XXXX points on my credit report be reinstated.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX CACI, XXXX XXXX XXXX, XXXX XXXX MO XXXX
|
| 05/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
CACI, Consumers Adjustment, a debt collecting agency, has recently identified itself as a XXXX on XXXX XXXX 's 3 credit bureaus credit reports as XX/XX/XXXX and XX/XX/XXXX.
Derogatory Information 1 Account XXXX XXXX XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Status Closed Unknown Unknown Derogatory Information XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Derogatory Information XXXX Account - XXXX XXXX Date Reported - XXXX XXXX Creditor Name - - CONSUMER ADJ CACI disclosed itself as a Debt Collection Agency on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has never done any type of financial obligation transactions with CACI directly. CACI was attempting to collect a health insurance claim for Hospitalist Medicine Physicians of Texas, XXXX related to an Emergency Room treatment performed on XX/XX/XXXX and XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX of Texas, XXXX erroneously filed incorrect emergency room claims from XX/XX/XXXX to XX/XX/XXXX. Both claims have been settled as XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX is currently reviewing the case because I have asked them to withdraw the Credit Bureaus Debt Collection and Derogatory Information and to help me regain the XXXX points I lost in my XXXX credit rating. CACI has renewed the debt information and listed themselves as Creditors. I request that all Debt Collection and Derogatory Information be removed from my credit reports to the 3 credit bureaus and that my XXXX points on my credit report be reinstated.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX CACI, XXXX XXXX XXXX, XXXX XXXX MO XXXX
|
| 03/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have filed multiple complaints against Consumer Adjustment Company ( CAC ) for their unlawful credit collection and reporting practices. CAC is continuing to falsely report on my credit files thus violating my rights and the law. CAC has, once again, put a collection on my credit file for an alleged debt that is past the Statute of Limitations to collect and has not been legally verified. CAC has NEVER sent me anything in writing through my mailbox or email ( I have searched my entire email box, including spam ) as they claim, in regards to this alleged debt. I have had no opportunity, whatsoever, to dispute this alleged debt prior to CAC reporting it on my credit files and causing continued damages. Furthermore, CAC has not been able to legally verify alleged debt to me.
As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) requirements, CAC is continuing to violate the law and my rights.
Thus, CAC is purposely and knowingly breaking the law and causing damages to my credit files, regardless of the laws in place they are required to follow. By doing so, CAC is purposely attempting to intimidate and coerce me into paying them for an alleged debt that is irrelevant and not pertinent as per Statute of Limitation laws.
I demand Consumer Adjustment Company, including any and all its affiliates, to remove ALL collections from each of my credit files immediately and permanently.
I also demand CAC cease and desist ALL collection attempts on this alleged debt immediately. Due to Consumer Adjustment Company 's violation of the law and because they have failed to respond and comply as per the FCRA and FDCPA, it is their legal obligation to do so.
|
| 12/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2020, I was notified that a collection agency had placed a collection on my credit report. The collection account was opened due to an outstanding medical debt that I'd received for stitches. However, I can not incur medical expenses as I am a XXXX veteran with an above 30 % rating and covered by the MISSIONS act.
I contacted the collection agency, Consumer Adjustment Co, around XX/XX/XXXX about a mistaken medical debt from XXXX XXXX XXXX. I am a XXXX veteran who is covered for all medical debts, and the origin of the debt was notified that it improperly billed the XXXX XXXX XXXX.
I called the collection agency, and they told me that they could not discuss the issue with me and could not resolve it based on me being a XXXX veteran who could not legally be charged with medical expenses pursuant to the MISSIONS Act. All medical expenses are covered due to me being a XXXX XXXX veteran ( with a XXXX XXXX rating ).
I then called XXXX in early XX/XX/2020 and opened a dispute. After the dispute was complete, one of the debts was deleted from my credit report, but the other, an identical account with a different account number, remained.
I called XXXX on XX/XX/XXXX to get it removed the same way the other account was, and they hung up on me once, and then muted me the second time. They did not resolve the dispute and remove the collection account from my credit report and it is still negatively affecting my FICO score.
I've attached the letter that I sent to XXXX regarding the dispute. I also sent XXXX proof of my XXXX XXXX. I can provide this upon request. I can provide other personal details and report details upon request.
|
| 11/11/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX sent my account to collections. They stopped taking my auto pay and the park never opened for the season due to covid-19. I disputed the amount owed and they agreed to remove a large portion of the balance and to give me credit for the next season as I essentially would be paying for service that was paused due to the pandemic. The corrected amount was sent to the collection agency and reflects when I log in but the collection agency will not allow me to pay the balance in full. I have attempted several times since the adjustment was made and every time it asks me to pay a minimum of {$100.00} on a balance of {$93.00}. Initially I was told by the creditor that it would just take a little while for their system to update to reflect the right amount. It has been a month and it still will not allow me to pay the balance in full. Any and all derogatory information against me should be deleted. I disputed the debt, the amount was corrected, their system then demanded I pay more than the full amount due. This is unfair and deceptive way to collect monies not even due. I am unhappy with how I have been treated by the original creditor and their collection agency. Again zero services have been rendered due to covid 19, I agreed to pay an amount in return for a future credit in 2021, the collection company system is demanding I pay more than the amount it even shows on their system than I owe. I took prompt action when I was notified, disputed the debt and they are trying to ruin my good name and my credit while I am in the process of making a large purchase. The practices of the CACI collection agency are very shady.
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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On XX/XX/XXXX I called Consumer Adjusment Co to verify their mailing address because it is forever changing and the address they had listed on their website vs the address they had listed on my credit report was different. The address on their website was supposedly accurate ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while the address on my consumer report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was listed as " out of business '' on XXXX, but that's recently been adjusted and now there's a new address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which does not exist and shows up only as XXXX XXXX XXXX and nothing in that building has them listed as business. So figuring out which address was unreasonably confusing and once I got confirmation over the phone what the correct address was ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I mailed out a request for debt validation on XX/XX/XXXX via certified mail ( Tracking no. : XXXX XXXX XXXX XXXX XXXX ). This notice was marked as delivered on XX/XX/XXXX as " Left with an Individual/Front Desk '' .
To this day, XX/XX/XXXX, Consumer Adjustment Co has completely failed to respond to my request for debt validation AND remove the item from my consumer reports. I have allowed several additional business days to account for the possibility of mail being slow and I have received nothing. Because they have failed respond at all they must remove the account from my consumer report, they are, at the very least, also in violation of 12 CFR 1006.34c, 12 CFR 1006.42, Regulation F, and 15 USC 1692g.
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| 09/07/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I took a check and go loan out several years ago and was not able to repay. Around XXXX - XXXX I got to a point in my life where I was able to repay it.
Fast forward to today. My mother received a call from someone claiming to be from XXXX XXXX Ohio courts, according to my mom, and asking for my information stating they are trying to serve me. She refused and forwarded me their info. I called in a panic believing they were with the courthouse. I do not live in that county.
I called the phone number my mother gave me XXXX, and spoke with a different rep who advised me I had a debt from check and go for an unspecified amount, they would not specify the date, but said it was years ago. I advise I already paid this last year. They said they were trying to serve me to sue me in court over 3 allegations of unpaid debts. They wouldnt give me a real company name, the name I received was National. I assume they used this name to confuse people into thinking they are a government entity. They kept hanging up on me when I told them it was already paid and they will have to take me to court. I will be calling back tomorrow to get an address. I verified on my latest credit report I have a collection that was paid around XXXX of XXXX.
There has been no contact by mail no notification of debt owed prior to this conversation. They jumped the gun and threatened with suing me without correct process of sending me some notification of attempt to collect debt. As well they have no business telling me mother theyre trying to serve me. They are trying to scare not only me but my family.
|
| 03/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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I, XXXX XXXX, are reporting Consumer Adjustment CO for FRAUD and aggravated identity theft and for violating the Social Security Act and false and misleading information.
The CFPB, FTC, IRS, needs to investigate them immediately, expeditiously they are frauds!!!!!
This company CONSUMER ADJUSTMENT CO has my social security number and is using it without my authorization, violation to my consumer rights pursuant to 42 U.S. Code 408 - Penalties. I did NOT give them authority to use MY SOCIAL SECURITY NUMBER!!!!!
This company is furnishing my information to all credit reporting agencies and I did not give them permission to they are using my social security number and I did not give them permission to do this is a federal violation to the Social Security Act.
Consumer adjustment CO brought my information/Social Security number from another company ( I dont which company ) however, This is a violation to the Social Security Act and aggravated identity theft pursuant to 18 U.S. Code 1028A - Aggravated identity theft This company CONSUMER ADJUSTMENT CO is committing fraud pursuant to 18 U.S. Code 1030 - Fraud and related activity in connection with computers. They are using their computers to furnish my information using my social security number WITHOUT MY AUTHORIZATION!!! PLEASE CFPB INVESTIGATE THEM THEY ARE IN VIOLATION REGARDLESS OF ANYTHING THEY SAY!! THEY ARE USING MY SOCIAL SECURITY NUMBER WITHOUT MY AUTHORIZATION!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I WILL GET MY REMEDY FOR VIOLATIONS OF MY RIGHTS BELIEVE ME ON THIS!!!!!!!!!!
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| 08/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I had a XXXX XXXX for a XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX Missouri. I was informed that XXXX XXXX turned my medical debt over which I was paying them {$100.00} a month and they turned it over to a company called CACI. CACI contacted me via phone And asked me what payment I wanted to make on the loan since XXXX XXXX had sent it over to them. I informed them I was paying {$100.00} a month on a {$7900.00} debt which is now XXXX. I then made payments on time every month and I never missed a payment and I was always on time as it was agreed-upon by CACI to automatically withdraw from my bank account. CACI agreed to {$100.00} a month and I paid every month consistently. I made a report to the XXXX because I found on my credit report that they had put a non-collect a debt even though I was making payments on time. My credit report dropped XXXX points, CACI responded to the XXXX and stated yes Ive made my payments on time consistently every month but until they get the debt paid in full, that will be remaining on my credit report and they will not take it off until it is paid in full. They never communicated to me. They never asked me if I could make a higher payment. They never called. They never sent any written messages. I want this removed from my credit report immediately because I have made payments on time to the agreed-upon amount by CACI. This is a XXXXXXXX XXXX and this is a strong arm tactic and they never notified me. They never gave me any information about the bill even though I requested it and I requested it again on the XXXX Please assist!!!
|
| 07/07/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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On XX/XX/XXXX I had a XXXX performed at XXXX XXXX Hospital. In late XX/XX/XXXX I was contacted by phone requesting payment in the amount of {$3200.00}. I had never received a bill or statement. At that time I was told there had been issues with statements not getting mailed out and that the representative would request another XXXX. Still no statement showed up. I finally received a statement dated XX/XX/XXXX for {$3.00} and paid it in full. I have received nothing since then and assumed my obligations fulfilled. On XX/XX/XXXX I was contacted by a collection company by the name of CACI to collect a balance on my account of {$530.00}. My account had been turned over to collections for an amount that I knew nothing about. No statement, no phone call, nothing for XXXX months since my procedure indicating a bill of {$530.00}. I feel as though my consumer rights have been violated. I was never educated in the fact that I owed any remaining money. I spoke with a representative from XXXX Hospitals today XX/XX/XXXX that again admitted that their system failed to send out statements, yet no resolution regarding the fact that my personal credit has been affected by a submission to a collection agency. I feel this is very wrong. I am an educated and healthy person and can not get anywhere with this entity. I feel strongly that someone should speak up on the behalf of the ill and under educated individuals who might also be affected in this situation. Thank you for your consideration in this matter. I would be more than happy to address any questions.
|
| 03/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I XXXX XXXX XXXX entered into a Membership Contract for a 12-month period starting on XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX for a XXXX XXXX making payments of {$9.00} for 12 months for a grand total of {$110.00}, Upon checking my records ( Bank Statements ) 10 payments were successfully paid from the period of XX/XX/XXXX through XX/XX/XXXX, I received a new debit card in the mail in XXXX, having thought I had a membership underneath a different card and that it was being paid as agreed. XXXX XXXX XXXX XXXX XXXX XXXX failed to provide notice that my account was delinquent and steps to resolve through multiple forms of communication such as the email associated with my contract and account XXXX, mail, or phone, instead XXXX XXXX took a different approach rather than remedy directly such as when I was late once before they sent me an email ( attached ) but as of XX/XX/XXXX my account has been placed with collection with CACI Collections in XXXX, Missouri with a total in the amount of {$59.00} which is grossly overstated and incorrect, secondly when I go on to the XXXX XXXX XXXX Page to view my contract, account information, or even attempt to update or make a payment, I receive ERROR 86 : The amount past due should be {$18.00} for the remaining 2 months out of the 12 months which I accept should be paid as agreed upon. It is my opinion that with XXXX XXXX handling this issue so unprofessionally, and punctually that I will no longer visit any of their theme parks in the future.
|
| 06/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CONSUMER ADJUSTMENT COMPANY INCORPORATED placed a collection notice on my credit. I contacted them about it and their agents were being childish and failed to disclose any information about it at all and simply were pushing me to pay the debt instead of validating it. i researched the company and they do this a lot. I have a sense that they bought my information somewhere and filed this debt scaring me into paying. This is their business model. They have no business relationship with U XXXX XXXX as confirmed by U XXXX XXXX. They should be investigated and provide appropriate contracts they have with their clients and how they got my information from steps A to Z. I will also be reaching out to my attorney about this matter since this company has a whole class action group of people it has been trying to take advantage of. I expect the CFPB to take this seriously. Simply do a XXXX search on this company and inquire of them how they got my information and what relationship they have with U of XXXX XXXX because I have in writing from U of XXXX and their XXXX that they do not have any relationship with them. This is also ruining my credit right now when I am house shopping and other things. I am expecting some penalty to be paid to me for my damages. This company claims they tried to validate the debt. This is false. I called twice because they were childish and pushing me to pay. They should release copies of the phone call. Their reign of terror over victims should be over and CFPB should lead the way. Just XXXX their company.
|
| 10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I previously submitted a complaint regarding this companys false reporting of an account to my XXXX, XXXX and XXXX credit reports for a balance of {$940.00} on behalf of XXXXXXXX XXXX XXXX Following my complaint with CFPB, the account was only moved to closed status, but not removed from my XXXX report and still remains as open accounts on both my XXXX and XXXX reports. After more than 30 days with no changes to the remaining two reports, I filed a dispute online with both credit bureaus, XXXX and XXXX. Similarly to a prior dispute with XXXX, the company returned the dispute back as verified as accurate. Prior to the closing of this account on my XXXX report, the Consumer Adj company increased the balance on this account from {$940.00} to {$940.00} prior to updating the status to closed, causing a change in my credit score and resulted in a notification from XXXX regarding the increase in a collection account. The company has still not provided any documentation proving that this is my account, or that I owe any money to them or to XXXX XXXXXXXX XXXX Once again, I do not acknowledge this debt and it needs to be closed and REMOVED from all three of my credit reports without any changes and updates to the balance. Seemingly, this company is unaware of fair debt collection practices and attempting to circumvent the system and follow the law as they see fit instead of by what is required. I look forward to the full removal of this fraudulent account or further legal action will be taken against your company.
|
| 03/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Regarding Acct # XXXX.
My name is XXXX XXXX and I live in Texas. In XX/XX/XXXX, a collection item hit all 3 credit reports as a debt that was first delinquent as of XX/XX/XXXX. I disputed with all 3-credit bureau as I have no knowledge of this debt. I contacted the collection agency Consumer Adj Co ( CACI ) to find out why this is on my credit report. No answer and I left a message. A rep called me back and stated that this is a debt owed from XX/XX/XXXX. I asked for information regarding the collection agency and was provided the name CACI and their address. I asked for information from the original creditor and was denied this information. She stated she could not give me the contact information from the original creditor and that this debt was bought by XXXX XXXX XXXX, and I could look them up myself. I am filing a complaint with CFPB, because they are not providing me with validation of the debt and according to Texas and Federal Law, they statute of limitations in Texas on debt is 4 years. That 4 year date ended XX/XX/XXXX.
( Section 16.004 of the Texas Civil Practice and Remedies Code - The statute of limitations on debt in Texas is 4 years ) AND ( Section 392.307 of Texas Finance Code in XXXX - This section of the law, introduced in XXXX - states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. )
|
| 10/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
CONSUMER ADJUSTMENT CO. HAS FRAUDULENTLY PLACED A MEDICAL DEBT ON MY XXXX CREDIT REPORT Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you.
I request the following : Justification for the claimed amount, including invoices or receipts.
Explanation of how you calculated the amount in question.
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount.
The identity of the alleged original creditor.
Proof that the alleged original creditor assigned the debt in question to you.
Proof that the Statue of Limitations has not expired on this account.
Proof that you are licensed to collect debt in the state of Georgia.
Your licensed numbers and Registered Agent or Agent of Service.
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| 07/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received numerous amount of letters started XX/XX/2021 about a medical bill saying that Ive visited their department or a 3rd party department owing ( {$2100.00} ) which is incorrect, I havent been to a hospital in over 10 years I have my once a year check up with my doctor which is covered by my 15 years of medical health insurance. I contacted the collectors asking if they could validate the information because I dont have any idea how this could have happened. I have also asked the collector to show me documents of the initial visit or whatever information they having claiming was me, I sent a few letters to the collector throughout the months as well as one to the credit bureaus, As results was not received in a timely manner i received a notification about 50 days later from the credit bureaus that my file had been update only to find out it stated all information was correct, That is definitely false information because it was not me, I received not one letter in the mail about an investigation or about information being validated, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them, I had a lawyer advised me to file a complaint with you guys to get to the bottom of this.. Thank you for taking the time to read this!
|
| 10/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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After receiving notification on my credit report in XXXX, I noticed items on my credit report that did not belong to me. My credit report disclosed that the creditor XXXX was listed on my credit report. I tried disputing with the creditor to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have never had a contract with Consumer Adjustment Co - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXXonsumer Adjustment Co states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Consumer Adjustment Co has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
|
| 10/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail XXXX.
While checking the above report, it came to my notice that your Company has furnished an account on my report.
In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums.
Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately.
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
If you do not cease communication a lawsuit will be commenced against you.
Thank you for your cooperation Sincerely XXXX XXXX XXXX, XXXX.
All rights Reserved Without Prejudice
|
| 06/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi CFPB Consumer adjustment for the second time is making false and predatory practices against my credit profile for another collection for {$310.00} for XXXX XXXX this is the second time this debt collector has not followed FCRA laws they reported this account against my credit profile to the credit bureau without first contacting me first and sending me a debt validation letter I havent received nothing from them in regards to this account will be requesting they provide proof including the tracking number for the debt validation letter for proof of delivery and proof of them contacting me via phone if they say that they did, it is against the FCRA law to not contact the person first and send a debt validation first before report to the credit bureau they also reported a re aged date of this account on my credit profile which I will attach proof for verification which is also inaccurate credit reporting and against the law, if Im further accused by them for this account will be requesting they furnish full proof that I opened such account including my original wet signature signing off on taking out this debt, if you CFPB will reference complaint ID XXXX Consumer adjustment has made the same unlawful practices and inaccurate credit reporting on a previous debt accusation this debt needs to removed from my credit profile immediately for breaking the law.
|
| 09/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A debt collection company has reported inaccurate information to XXXX and XXXX has not removed it. -- A couple of months ago, I noticed my credit score suddenly took a big drop and I investigated and discovered a company called Consumer Adjustment Company ( CAC ) had filed a collection on me saying I had opened an account with them in XXXX of XXXX, which I had not. I filed a dispute with XXXX to remove the inaccurate information and XXXX just closed the dispute ( # XXXX ) without any changes being made to my file.
Since the inaccurate information is still on my file, I contacted CAC directly and the representative acknowledged that in fact I had NOT opened an account with them in XXXX of XXXX but that they had purchased an old debt on me in XXXX of XXXX. The debt they purchased was opened in XXXX of XXXX and the last activity on it was in XXXX of XXXX. ( Allegedly, I had taken out a {$500.00} payday loan and made one payment on it in XXXX. ) I reminded the CAC representative that even IF that was my debt, it has been over 7 years from the last activity and it should not be reported on my credit reports. The representative said no, that the debt was started with them in XXXX of XXXX.
I called XXXX and asked them to remove the inaccurate information but they said there was nothing they could do about it since CAC says it is correct.
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
There is an open collections account from CONSUMER ADJUSTMENT that was added to my XXXX credit report on XX/XX/XXXX. This was a credit card account that was closed 2,777 days ago on XXXX XXXX, XXXX. This is an attempt to re-age the account and prolong its presence on my credit report. I have disputed and had the account removed from the other 2 credit bureaus, but XXXX refuses to acknowledge the data I have provided in my disputes and reaffirms the fraudulent claims by this unscrupulous debt collector. Even though this account is over the 7.5 years when it should be removed from my report, this collections agency has reported the debt as being opened XXXX. This date is over 7 years after the account was closed and they've simply reported the age as the date they acquired the debt.
I previously disputed this account and successfully had it removed from XXXX as well, but this collections company has purchased debt that is older than 7.5 years and has tried to re-age the account to ensure it stays on my report to try and collect debt they bought for pennies on the dollar. Both XXXX and CONSUMER ADJUSTMENT ( XXXX XXXX XXXX XXXX - Original creditor ) are in violation of The Fair Credit Billing Act ( FCBA ). I have disputed this account multiple times and have tried to contact the original creditor and collections company to no avail.
|
| 03/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
CACI first contacted me by phone on XXXX XX/XX/2021. They have not sent me any correspondence of validation by mail since that first contact. I sent them a certified signature return letter via USPS requesting a debt validation be sent to me which CACI signed for and received on XXXX XX/XX/2021 stating they need to cease their efforts of contacting me until I receive debt validation so that I could be fully informed. now 38 days later I have yet to receive the debt validation that I requested from CACI and they have continued to harass me by phone daily and sometimes multiple times a day, violating the fair collection practices numerous times.
XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX XXXX received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI XXXX XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX
|
| 10/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX Consumer Adjustment Co inc. aka CACi, responded to my complaint against their criminal fraudulent practices which has resulted in negative impact to my credit reports by falsely claiming that they had requested the credit bureaus to remove the Odious Debt Collection from my credit report with the caveat that it may take up to 30 days. This is a bold lie on their part, as the odious debt collection was initially removed less than 2 weeks ago only to again be added back to my credit report this week by CACi. Furthermore, CACi, sent my an encrypted email with specious documentation which they submitted as legal validation of the odious debt collection. The documents submitted provided absolutely no substantiation that I was legally obligated to pay the alleged debt or that the debt in question was ever even mine. The " validation documentation '' submitted by CACi, was no more than a series of meaningless images of various medical affiliations and an invoice billing me for the amount they alone claim I owe with a statement that as a result of their own investigation they have determined that the amount they claim against me is valid. In short, the documents were completely meaningless, providing no legal validation as demanded by me of the odious debt collection CACi has fraudulently placed on my credit reports!
|
| 01/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On numerous occasions I have called and written to XXXX XXXX starting in XXXX when I received the first incorrect billing statement for {$180.00}. I called to notify them that I had returned the equipment for my internet use. I returned the equipment to a dropbox location in XXXX, OK in XX/XX/2021 to a very overflowing box. After receiving the first incorrect bill, I had called XXXX and they told me to not pay the bill it can take a few cycles for billing to catch up because they were behind at their equipment intake center. I called in XXXX again about the bill. Then in XXXX, as noted in the emails attached I inquired about receiving my correct bill. I only every received 1 telephone call from the emails sent stating that their intake department was behind and that I can expect a correct bill in the mail next month. I never received the correct billing. I was still charged for the router on my statement even after multiple phone calls and emails. This was wrongly sent to collections when at all time I was willing to pay the correct bill. XXXX XXXX failed to respond to my written emails that would have accurately documented my requests and attempts at resolution. XXXX XXXX ignored my multiple requests for billing. This is sad because at all times I relied on their communication to me to just wait and be patient.
|
| 03/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company Consumer Adj, has reported on my credit reports that I owe a debt a medical claim debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They claim that I opened this account on XX/XX/21. This information is incorrect and as a result they have placed this collection on my credit report and state that I owe them {$1000.00} This is incorrect and fraudulent reporting. They have not only fraudulently listed thus incorrect data on my credit report but that have no information for contact, no account number, no address, no telephone number and no email address, this is a crime according to the FCRA, and I will seek justice. I am very upset that this company not only failed to reach out but they have failed to verify that thus is an account that I owe. I have looked them up on the internet in an attempt to get a good address and my letters have been returned undeliverable. XXXX XXXX has never sent me not XXXX letter in the mail trying to collect on this debt that they say I owe, and have never sent me any documentation that proves this is a debt that I owe, nothing bearing my signature. I am the victim of identity theft and my Identity Theft reference report # is XXXX, my police report # is XXXX I ask that this information be removed immediately from all 3 of my credit reports including XXXX XXXX, XXXX, and XXXX.
.
|
| 01/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XX/XX/XXXX I received letter from CACi XXXX Consumer Adjustment Company Inc ) stating I owed over {$600.00}. When I called to get details, I was told it was for the balance billing of an XXXX visit on XX/XX/XXXX. I advised agency I never received a bill, had XXXX coverage at that time who would have been financially responsible. XXXXXXXXThe phone rep dvised me could file a dispute online. Thanked him and said I would send a certified letter for debt validation.
Mailed debt validation letter and debt dispute letter by certified mail on XX/XX/XXXX. As of XX/XX/XXXX, I have received no further correspondence or communication, but discovered CACi reported the debt to XXXX on XX/XX/XXXX without validation or further communication to me. This was discovered during process of buying some land. Loan terms ( interest rate were raised due to negative reporting ).
Since I had an HMO then, the XXXX charges would be between the provider and insurance company ; I am to be held harmless. If the XXXX had billed timely, I could have followed up with XXXX on payment ; however, after this length of time, I no longer have the coverage and it is outside the window for appeals.
Further, TXXXX XXXX XXXX XXXX - Title 2 and Title 6 have a statute of limitations on medical billing and collections. This timeline is outside of both.
|
| 01/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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A company named Consumer Adjustment Company placed a collection account on my credit reports for XXXX, XXXX, and XXXX. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called XXXX XXXX XXXX which appears to be a pay day check cashing company.
I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with Consumer Adjustment Co. or XXXX XXXX XXXX in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies.
There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident.
XXXX did not make any changes to my credit report. They said Consumer Adjustment Co. said it was accurate information. The reviews by XXXX and XXXX are pending.
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| 07/17/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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CACi sent me a collection letter via email, found in my spam folder on XX/XX/2023 with limited information about a debt. The email was dated XX/XX/2023 and stated I had until XX/XX/2023 to dispute the account and request verification and validation of the debt. Per the letter from CACi, I could dispute the account online. I responded to CACi on XX/XX/2023 via the online dispute email address they provided, one day after I found the email. I received notification from XXXX XXXX that CACi added the collection to my XXXX report between XX/XX/2023 and XXXX, XXXX 2023. They never responded to my request. I have never received any communication from CACi via USPS, before or after I disputed the account.
Per the CACi letter : From : XXXX Date : Fri, XX/XX/2023 at XXXXXXXX XXXX Subject : RE : Your XXXX XXXX XXXX XXXX account, # XXXX To : XXXX XXXX How can you dispute the debt?
Call or write to us by XX/XX/2023 to dispute all or part of the debt. If you do not, we will assume that our information is correct.
If you write to us by XX/XX/2023, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. ''
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| 09/16/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have spoken to someone from XXXX XXXX XXXX in the past & told them that the account was not mine, I did not apply for a loan, the information they had on me was not mine. I asked them several times to remove it. I did not find out they referred the account to an collection agency until I applied for a housing loan & was denied due to the collection agency Consumer Adjustment Company being on my credit report. I had no knowledge of this collection agency or any contact information to call/email them. I filed a XXXX compliant on Consumer Adjustment Company , INC. collection agency. I received a response from them within 2 days. CACi told me they reached out to the credit reporting agency back on XX/XX/2021 that the account was closed in their office & remove the account from my credit report. They agreed to send a second notification to the credit reporting agency to remove account from my credit report. With that being said I would like to file a compliant on XXXX XXXX XXXX, Consumer Adjustment Company , INCXXXX & the credit reporting agency. I lost money applying for a housing loan & being denied due to this negative account on my credit report. I have to start the whole process over again. This is not fair. Something should be done about these companies causing problems like this.
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| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I have sent a validation of debt to the collection company XXXX XXXX XXXX based out of XXXX XXXX Missouri with no success. I have attached the validation of debt letter that was mailed out to them in XXXX. I have also attached the return receipt where I mailed it off Certified mail and they failed to sign that they received letter. but how could they sign for it if they are a " closed company. '' I have googled the address and information that is on my credit report about this company and it says they are permanently closed I attached a photo of this as well. I am requesting full validation of debt because I know I dont owe this company anything. The debts they are trying to collect are from debts that my insurance company has already paid. This company has a track record of trying to collect on debt that is not owed. This is causing me alot of stress trying to get these 2 accounts off my credit reports. These accounts are causing me so much harm, I could possibly lose my job for accounts that should not be on my credit reports and its affecting me daily. XXXX XXXX The account numbers for both accounts are Account # XXXX one for the balance of {$560.00} and the other for {$480.00}. I am requesting these inaccurate accounts to be removed from my credit report Immediately!
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| 02/28/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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So it is clear, this company Consumer Adjustments Co ( CACi ) has admitted to aggravated identity theft. 18 U.S. Code 1028A On 02/22/2022 I, XXXX XXXX has made a complaint to the CFPB about this company CACi.
However, the company Consumer Adjustments CO responded that 1 of the 2 accounts from them has came from XXXX XXXX XXXX, and the other from University XXXX XXXX XXXX XXXX XXXX HIPAA Violation by the way ) they had no rights whatsoever getting my information AT ALL!!!! MANY VIOLATIONS!!!
However, I am bringing this to the attention to CFPB to peep how this company claims that its Fraud since Ive reported them to CFPB & FTC.
And tried to get me to sign an fraud affidavit.
This clearly explains and expose them for fraud and aggravated identity theft because they clearly said where they got my information from and they expose them selves when they said they were sending bills to the address ( my address ) to collect the debt so you mean to tell me now yall realize yall XXXX up and trying to correct yall scamming XXXX schemes. I hope CBPF and FTC understand this and I am demanding {$1000.00} for each violation! And believe me I will get my money! CFPB will see exactly what I am saying and its facts! Yall played with the right consumer! CACi is XXXX!!!
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| 11/07/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This stems from a medical bill for services never rendered. I have already beaten this repeatedly In the past years from other debt collectors. Consumer adjustment has flagged XXXX three different times in the past two weeks with exactly the same fraudulent bill. They are bullying and harassing me for {$1900.00} and they have put it on my credit report three times for the exact same amount from the exact same bill.This is an absolute fraudulent bill thats why I have literally beaten it at least five different times from five different collection companies in the last four years. Consumer adjustment has flagged XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX.They have also flagged XXXX with the same fraudulent collection on XX/XX/2020. They are repeatedly hitting up my credit report to try to bully me into paying them money that is not owed.I do not owe this money, I will not pay this money no matter how many times they try to destroy my credit. This is absolute harassment and bullying on a collection I absolutely do not owe. These are horrible tactics to try to ruin someones credit on money that was never owed.I am baffled how these horrible companies can put whatever they want on your credit report with absolutely no proof that you owe any monies.
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| 09/11/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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During a routine check of my credit reports in XXXX, XXXX, I discovered a collection account posted that I had no knowledge of, nor contact regarding. I called Consumer Adjustment Company, spoke to XXXX XXXX, who informed me it is an account from XXXX belonging to XXXX XXXX XXXX for {$350.00}. I asked for any information to verify or validate the debt, and questioned that I had never been notified through mail, e-mail, phone, nor any other means. My understanding is that they are required to notify me within a reasonable time to allow me to dispute prior to posting the collection to my credit reports. They have sent me nothing, nor have they contacted me, nor have they removed the item from my credit reports. Upon my investigation, I discovered that this was a part of an XXXX data breach that victimized auto-pay customers and their personal and bank data. XXXX XXXX XXXX was one account involved, was remedied, settled, and closed. Why a collection agency would attempt to revive an account that is time-barred by the statute of limitations, let alone that it was closed years ago in remedy of the data breach. Also, that the collection company would not attempt to contact me prior to placing the account on my credit report violates my rights under FDCPA.
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| 10/29/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I checked my credit report today, XX/XX/XXXX, and noticed there was a recent derogatory account listed as of XX/XX/XXXX. The account was listed as being from XXXX XXXX XXXX XXXX I called Consumer Adjustment Company Inc ( CACI ) today, XX/XX/XXXX to inquire as this is an invalid debt that I disputed in the past. It was deleted in the past due to inaccuracies. When I spoke to the first representative he told me that the dates of service were : XX/XX/XXXX and XX/XX/XXXX. I called the hospital in question, XXXX XXXX XXXX XXXX in Texas and I also contacted XXXX XXXX XXXX XXXX XXXX, both of whom advised they do not have any debts for the dates provided and furthermore they do not work with CACI. I called CACI again and this time spoke to XXXX ( They do not provide last names ). I advised him that the debts are not legitimate and I want to dispute them. He refused to give me information until I asked repeatedly. He then gave me the address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX to mail a dispute. He at first told me I would receive a letter. This was put on my credit report without cause and is hurting my ability to secure a mortgage. I am currently in the process of purchasing a home and this phantom account is hurting us tremendously.
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| 08/02/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I found a collection account that was added to both my XXXX and XXXX credit report agencies in XX/XX/2023. I filled a dispute with both credit report agencies advising them that the account did not belong to me. Both credit report agencies stated that the account was verified which I disagree.
The debt collection agency has not sent me any proof of validation what soever either via mail or email communication.
They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they have not provided a copy of the written agreement that created my original requirement to pay.
A copy of the last billing statement sent to me by the original creditor has not been provided to me proof of validation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debt collection agency : Consumer Adjustment Co Original Creditor : XXXX Date opened : XX/XX/2023 Original balance : {$3400.00} Balance : {$3400.00} I emailed the original creditor advising them about this fraudulent account that does not belong to me. As of today they have not responded as well. I also attached a police report and the email that was sent to the original creditor
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| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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As previously stated in initial complaint, XXXX XXXX Co has legally failed failed to provide me with complete debt validation within the given 30 day period allotted to them by federal law. I sent their notice on XX/XX/XXXX via certified mail ( Tracking no. : XXXX XXXX XXXX XXXX XXXX ) which was delivered to an individual on XX/XX/XXXX. They made the decision to ignore my request for debt validation for a total of more than 40 days until I filed the CFPB complaint. By law, they HAVE TO remove this account Their response to my CFPB complaint on XX/XX/XXXX was not only extremely late, but also entirely incomplete pursuant to Regulation F, 12 CFR part 1006.
Unfortunately sending me a screenshot of a computer page with nothing but a name and email ( neither of which is mine ) is NOT debt validation via the most minimum requirements of the law. I am not approving additional time for debt validation and what they submitted to the CFPB is grossly incomplete in accordance with the above mentioned laws.
I have attached the notice I sent to them, that includes the outline of what they are required by law to send. I have also included the documents they thought counted as debt validation ( none of it does ), and a picture of my ID.
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| 07/16/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I tried to terminate my monthly membership with XXXX XXXX after only going to their location ONCE in XX/XX/2021, but was unable to get in touch with anyone, or perform any processes online that allowed me to do so.
They continued to keep fraudulently charging an expired XXXX card, I had to issue a stop-payment order to even get them to stop, as they had already charged several hundred dollars to my account without my knowledge.
I attempted to call their phone lines dozens of times, waiting on hold for hours before being disconnected. I was never able to get in touch with any people to resolve anything.
In addition to this, I never received any notice in the mail from anyone about any attempts to collect debt ( illegitimate or not ). I never provided my social security number to XXXX XXXX, nor did I authorize them to continue charging me for a service I was no longer using, and had long cancelled via my cardholder 's stop-payment order.
Suddenly, a mark appeared on my credit report, which is detrimental for me as I am due to purchase a car soon, which is how I found out about this. I never received any notice in the mail of any kind informing me of an impending collections action, nor any phone calls.
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| 03/28/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I am a XXXX XXXX XXXX adult who has lived away from home for more than a decade, but XXXX XXXX sent a letter to my parents ' address to try to collect a 4.5 year old medical debt that was never known to me. They said that they would accept 90 % of the original debt and consider it settled or report it negatively to credit bureaus if I didn't comply, but I was never informed of the original debt nor was my insurance ever billed for it. My attempts to contact the original medical facility to inquire about the debt went unanswered as the establishment does not seem to exist and I have no record or recollection of ever receiving services with a provider affiliated with XXXX XXXX Providers. After repeated harassing phone calls by this collections agency, I sent them a certified letter asking them to send me back a certified letter to explain that they were in compliance with HIPAA and had my signature on file to view my medical information, to verify the debt, and to stop calling me. This letter was delivered to their office on XX/XX/2021. The company never responded to this certified letter, never verified the debt, and has continued to call despite my explicit request not to contact me in this manner.
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
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Account XXXX Disputed Debt- Not my debt -fraudulant Charge I am officially notifying the Consumer Adjustment Company Account : XXXX that the balance of {$780.00} supposedly owed to a person or thing is a fradulant charge.
Identity theft reported to police on XXXXXXXXreport filed.
This was reportly arranged via phone for some kind or payday loan for an amount of {$600.00} sometime in XXXX with a date opened with your collection account process of XX/XX/XXXX. This has showed up on my XXXX credit report as overdue in XX/XX/XXXX.
This fradulant loan supposedly involved an account at XXXX XXXX XXXX.
If you check you will discover that I have never had an account with this bank.
I never arranged a loan by phone.
I discussed this dispute with XXXX XXXX on XX/XX/XXXX and obtained All of these fradulant details from her.
I would ask that you perform an investigation to determine the details of this fradulant act so that I can report to the Federal Trade Commission so as to identify and potentially prosecute the individuals involved.
I would also ask that you correct my credit report at XXXX and remove this so-called debt from my account with your company.
Sincerely, XXXX XXXX XXXX XXXX XXXX
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| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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FIRST AND FOREMOST I'VE INFORMED CONSUMER ADJUSTMENT CO. OF THEIR ERRORS AND GAVE THEM THE OPPORTUNITY TO REDRESS THE DAMAGES VIA CERTIFIED XXXX MAIL ( TRACKING # : XXXX ), WHICH WERE IGNORED! IVE NEVER DONE ANY TRANSACTION WITH CONSUMER ADJUSTMENT CO. SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. CONSUMER ADJUSTMENT XXXX HAS NO EVIDENCE OF ANY ALLEGED DEBTS. ITS IMPOSSIBLE! SECONDLY ANY ALLEGED AGREEMENT IS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS YOU ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CONSUMER ADJUSTMENT CO. KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. CONSUMER ADJUSTMENT CO. REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( ONE HUNDRED THOUSAND DOLLARS ), I'VE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THEIR INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
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| 01/26/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Account # XXXX Name : Consumer Adj Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} Resolution : Delete from credit report Account # XXXX Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Resolution : Delete from credit report These accounts was added to my account and I did not authorize for these companies to be added to my credit profile. I have completed a FTC report and sent a letter to these companies about deleting these accounts from my credit report.
These companies are in violation of the law. According to 15 USC 1602 ( p ) The term " unauthorized use '' in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1681-permissible purposes of consumer reports. ( a ) general subject to subsection ( c ) any consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my credit report.
Please delete these accounts from my credit report.
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| 10/26/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Has placed the exact same Odious Debt upon my Credit Reports, which I just recently compelled them to remove from my credit reports. They agreed in writing here to the CFPB, Consumer Adjustment Company , Inc. ( CACi ) has requested the validation documentation related to this account from the creditor. Once this information is received it will be forwarded to you. Attached with this response please find a copy of the initial notice that was sent to you via United States Postal Service. This copy has been redacted to protect your personal information. As a courtesy, while we await the documentation from the creditor, CACi has sent notification to the credit reporting agencies to remove this account from your credit report. Please allow up to 30 days for the credit reporting agencies to update their records. Should you have any questions or need further assistance, please contact our office directly at XXXX or email us at XXXX.
Yet, in less than 2 weeks after removing the fraudulent debt, they criminally placed the odious debt back on my credit reports! They have never contacted me writing to validate the alleged debt!
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| 07/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received an alert from XXXX and XXXX about a new collection on my credit report from Consumer Adjustment Company for the amount of {$4200.00} on XX/XX/2023.
This is a collection for a debt that I do not have nor does it appear on any of my credit reports. I have no idea who Consumer Adjustment Company is or what they are claiming I owe money for. I have not been contacted by them or anyone claiming I owe over {$4000.00}. All my debts are paid and up to date and my credit report confirms this. That was until this company posted a collection on my credit reports and dropped my score by XXXX points overnight.
I haven't received any phone calls, which I do not want to receive, nor am I giving anyone permission to call me.
I haven't received anything in writing, which is the only way someone should contact me. What is this debt and where is the proof of it or the attempt to collect it before putting it on my credit report? It doesn't exist, and this company has the wrong person.
I haven't received notification of this debt, a notification of a right to dispute this debt, or proof of this debt.
I want this slander removed from credit report immediately.
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| 03/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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I received a fraud alert on my credit report last night XX/XX/23 for a collection amount for over {$2900.00} I do not have a account with this company because I did not create this loan/line of credit. I reached out to the collection agency immediately and submitted a dispute and they gave me your information also to do so.. I do not borrow money on line nor do I create lines of credit on line I closed an account at my old Bank due to Fraudulent activity during the dates the collection agency told me this supposed loan/line of credit was accrued and I dated a man that was given access to my accounts at that bank and was not on my account. This man was a very bad person he stole from me used my credit cards and put me in a lot of financial debt. He took loans out in my name. this is why I also switched banks and placed Fraud alert on my credit report. for this exact reason. I have placed a dispute on my credit report and thru the collection agency who posted this. i promise you this is not my Debt please help me remove this from my credit report. It has been a struggle after what I have been thru with this man who destroyed my credit and my life to rebuild
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| 09/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I checked my credit and saw accounts from consumer adjustment from XXXX XXXX for {$1400.00}.
I contacted XXXX XXXX XXXX XXXX and they said they do not have any record for {$1400.00}. They stated they have Financial assistance forms for me on file and there would have never been a bill generated for my service in XX/XX/2016. They told me the fee might be associated with the doctor, XXXX XXXX.
I contacted the numbers associated with XXXX XXXX private practice and was told the doctor retired, the office is closed and the debt is invalid. They told me to contact the collections agency and tell them Im not responsible.
I contacted consumer adjustment and told them the account doesnt exist. And even if it did, its a HIPPA act, which guarantees my medical records including costs associated with services are protected by my right to privacy.
I also let them know I never received any correspondence about this debt and it should need deleted. They rep stated the documents were sent to an address Ive never lived at. I told her I was homeless living in my car and had no address, so not sure where they mailed it but I never received it.
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| 12/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I was alerted today that I have an account with Consumer Adjustment Co. that is supposedly owed. I have never heard of this company in my life. Secondly, this company has never contacted me. They just parked an account without even given me the opportunity to dispute this debt. i have not received any correspondence from this firm at all. Usually by law you are given 30 days to dispute or challenge any debt you are owed. I was not afforded that by law.
Please cease and desist all collections to include reporting to any credit reporting agencies that you report to. Please provide any documentation where I have contracted or signed any agreement to do business with your firm.
Provide me with those documents where you claim I owe you any monies including a copy of documents which prove that you purchased or assumed any debt owed by me.
In addition, I am formally requesting the documents where it shows you are license to collect debt in the state of texas and that license number.
To place a debt with any notification is a violation of the Fair Credit Act and I am requesting that you both verify and validate such claim you have against me..
|
| 12/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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This is not a request for a dispute this debt was involved in IDENTITY THEFT.
This collection company is acting in an illegal manner. This is a part of the stall tactics that they use. They are not the original creditor.
They continue to report a debt that was involved in identity theft. I prefer to document my contact in writing with this collection agency because they are very abusive and make threats when you call them.
They " have '' been notified on several occasions by telephone and refuse to honor my request.
They keep referring to me as the " right party '' when in fact I am the " wrong party '' considering this debt was involved in identity theft.
They are not the original creditor, can not supply an original contract with my legal signature and a copy of my ID that was used for this debt. A statement provided by their client is not a contract with my legal signature and ID.
In fact this collection agency can not produce a contract with my legal signature and a copy of my ID that was used in this debt that I do not owe.
Identity Theft Police Report is attached for the tenth time for this company to read.
|
| 01/30/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A collections account has been placed on my Credit report by a third company regarding the same alleged debt. This third company " Consumer ADJUSTMENT CO '' has placed a collection account on my credit report in the amount of {$580.00}. As stated earlier this is the third time " XXXX XXXX '' has been placed on my credit report via a third party collection agency. This alleged, false debt has been previously addressed with XXXX XXXX XXXX and most recently with XXXX XXXX solutions. I have previously filed a complaint and the complaint was resolved by XXXX XXXX XXXX deleting the account from all of my credit reports. The complaint I filed with the CFPB has a reference number of XXXX. I have no knowledge of Consumer Adjustment Co prior to seeing the account on my credit report. I have never had an account with this company and have also never had an account with XXXX XXXX. Consumer Adjustment Co has placed this account on my credit report without any prior notice to me. I was not given the opportunity to dispute this prior to it being placed on my credit report and that is a blatant violation of the Fair Credit Reporting Act.
|
| 03/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
A letter has still not been received as stated in your previous response. I DID NOT AND THERE WAS NO AGREEMENT ENTERED INTO WITH XXXX XXXX OR CACI and unless you can provide proof showing an agreement entered with XXXX XXXX THIS DEBT IS NOT VALID AND SHOULD BE DELETED ASAP. In addition according to the FCRA information in a consumer report can not be provided to anyone who does not have a purpose specified in the act. The consumer must be notified when adverse action is taken. AGAIN I was not notified nor was a thirty day notice given without reporting this. By law a five day notice must be given of the collectors initial attempt to collect a debt. I will not be paying for something I do not owe, have no knowledge of, and has adversely affected my credit. It also does not matter what day an account was purchased the debt MUST be reported from the original delinquency date that was within a XXXX year statute. This is illegal, inaccurate reporting, and a violation of the FCRA. If this debt is not removed I will be contacting an attorney as you all are reporting this debt without proof, notice, invalidly, and illegally.
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| 12/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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On XX/XX/2020, I noticed that i received an alert from credit agencies that I had a new collection reporting. Upon my looking into the matter, I found that Consumer Adjustment Company, ( CACI ), had reported the collection for a XXXX XXXX. I then called the company and explained that I did not have a unpaid bill with XXXX XXXX and that I had never been notified by there company of a bill therefore, It should be removed from my profile because I wasn't given written notification of bill in order to investigate or respond in writing. The guy I spoke with then proceeded to hang up and the issue wasn't resolved but was continuing to report. On XX/XX/2020 at XXXX XXXX est, I received an email notification from CACI with an attempt to collect a debt letter ( which is outside of the 5 day window ) at which time I promptly responded to the letter for verification and asked them to remove the reporting on an unverified debt and as of yet, its still reporting during their verification process which is a violation of my rights under the FDCPA. I've requested removal during the verification process and they have proudly refused.
|
| 09/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
|
There are a total of two debts that were placed on my credit report XX/XX/XXXX and XX/XX/XXXX that i have no recall on. I have never taken these loans and i requested information on the debts. the first time i had ever seen or knew anything about these debts was when they appeared on my credit report dropping my score over XXXX points. The first company is Consumer Adj co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, totaling XXXX and the second is National credit adj XXXX XXXX XXXX XXXX XXXX, KS XXXX totaling XXXX. The debts were placed on my credit without any notice or any validation! We are a veteran family, we have saved and sacrificed for 4 years and we are finally in the loan process of buying a home and this just pops up out of nowhere. Im sure you can imagine our pain. We haven't touched our credit. We sacrificed taking any loans out or running anything through our name in order to purchase a home for our family of 6. As soon as we ran our credit, the next couple days these two collection accounts just appear. I would like a thorough investigation on this as it detrimental to us and is harming our family.
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| 11/18/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
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| 01/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
|
I was notified through XXXX that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from Consumer Adjustment Company with the original creditor being XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I've never been to Missouri or done any business with XXXX XXXX XXXX. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service.
My credit report shows an account opened at XXXX XXXX XXXX at the address above on XX/XX/2020 for {$960.00}. Consumer Adjustment Company issued a collection in XXXX of 2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by Consumer Adjustment Company or if this is identity theft and my information was used at XXXX XXXX XXXX and now Consumer Adjustment Company is now involved somehow. Either way this is identity or theft by an unknown person or Consumer Adjustment Company.
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| 05/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
XXXX and is {$1500.00} for a XXXX XXXX XXXX. Service received XX/XX/XXXX I had two forms of insurance at the time of service : XXXX XXXX and XXXX. For the past two years, Id been caught in between both medical providers for the service I received. When the smoke settled and I thought Id received my last bill, I got an alert on my credit report that on XX/XX/XXXX, I had an account go into collections for this same service. After researching it thoroughly with both my insurance providers, I learned that neither one was presented with the opportunity to pay this bill.
I was pretty shocked that while Im trying very hard to build my credit back, I could be negatively affected by this type of surprise billing practice ; thinking this is a federally regulated practice to protect people. This doesnt seem to be the fault of CACI XXXX from what I can ascertain, but that the medical provider billing department didnt send it to insurance ; just you all. I ask that you all remove this collections from my credit report and allow my insurance companies a chance to pay what they owe first, then come to me with the balance.
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| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
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Web |
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The original creditor is XXXX XXXX XXXX XXXX. The collection is in regards to a membership that I requested to have canceled due to a dangerous situation that happened at the amusement park. I reached out to the corporate office and was completely disrespected and talk to the email as if they just didnt care about the situation. They place the account into Collections. The collection agency is CACI. I reached out to the collection agency to explain to them that I havent even had a fighting chance to resolve this matter, directly with XXXX XXXX, and at this point they are reaching out to me in regards to the collection, and I did not get a fair chance to fight this with the original creditor. The membership was to be paid for the full year each month but because I requested to cancel the membership because I did not feel safe with my family and I going to the park any longer. They told me that did not matter and theyve upped the security, and thats all that does matter. I explain to them that its not fair to have to pay on a membership when I have no intentions and have not been back to the park since then.
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| 09/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
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Web |
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The debt collection agency told me I owed {$4200.00} ( around that amount to my doctors office ). That amount lined up approximately with my portal amount. I reached out directly to the debt collection agency to settle the amount. They said if I could pay {$3800.00} out of my checking account today they would settle the debt. I said okay.
When I went to my doctors appointment today they were like do you want to be put on a payment plan? I was like what I just paid the debt collections agency in full. Long story short the debt collections agency lied about the amount owed and falsely lead me to believe my account was settled. When in fact my doctors office only sent {$3700.00} to collections and the rest were made up fees of approx {$500.00}. I paid the bill as soon as I got it in the mail and from the checking account. They falsely claimed the fees were funds I owed to XXXX for medical bills. When I learned of this she was rude and said there was nothing I could do this was paid.
CACi XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Email : XXXX XXXX
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| 11/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XXXX XXXX, I contacted Caci - consumer adjustment in reference to a medical collection. First, I was informed that I would have to pay a convince fee of {$39.00}. I then asked if there was a place that I could pay online to avoid the fee. The answer was no. After I paid the fee plus debt, my account was charged instantly. I was told that I would be receiving an email with my receipt 7 business days after the payment was made. I called back after those 7 business days, and I was told that I did not receive my receipt because my email address on file was incorrect. Then, I was told that I would have to wait another 7 business days. After those 7 days I called back because I still did not receive my emailed receipt. I was then told that they would be mailing it. I still have not received my receipt via email nor mail. The collection is currently still showing on my credit report. Lastly, another agency call me in reference to this same debt, and I told them I have paid it. They instructed me to send the proof, but other than the funds being deducted from my account I do not have any proof.
Thank you
|
| 10/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I received an alert from XXXX about an account being reported by CONSUMER ADJUSTMENT CO. Please be advised their validation { not verification } of an item reported to XXXX by CONSUMER ADJUSTMENT CO is a VIOLATION of the HIPAA Act of 1996.
XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to CONSUMER ADJUSTMENT CO, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against CONSUMER ADJUSTMENT CO should this item not be deleted within the required time allowed by law. CONSUMER ADJUSTMENT CO is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX as well, since they are the only bureau incorrectly reporting this debt.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
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| 03/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Consumer Adjustment and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
|
| 10/14/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
I was involved in an accident on XX/XX/XXXX2017. I was transported in an ambulance and was admitted in XXXX XXXX XXXX XXXX. The accident was covered under Workers Compensation XXXX XXXX XXXX XXXX XXXX and also my personal Insurance XXXX. The case was settled and all bills due have been paid. I informed the XXXX XXXX XXXX who treated me that its a workers compensation and to contact my lawyer.
Though the case has been settled and all bills paid I dont understand why i am being harrassed for this little amount and CACI keep sending letters over and over. They reported to my credit agency dropping my credit score drastically. This has prevented me from getting any credit card now.
As note I sure want to add that XXXX XXXX XXXX staff members did not treat me well. I was diagnoised with XXXX and i XXXX XXXX XXXX XXXX XXXX XXXX they gave me. Though I informed the nurse it was there for couple of hours before someone cleaned it up. The phone was also not working for me to call my family members and inform them about the accident.
Please do needful to stop this harrassment on injured worker.
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| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recieved a notification from XXXX from a company called Consumer Adjustment Company stating that I owe them XXXX dollars for debt from a Company called XXXX XXXX which dropped my credit score. I have no knowledge of this debt and never recieved anything from XXXX XXXX in any attempts to collect money from me. This collection company never sent me a letter or anything stating that I have debt with this company which by law they are required to do in order to collect from me. I have researched this colletion compant and this is a common practice that they do to people by putting collection on their credit report and never sending them anything to shows that owe this debt. I am a vitcim of fraud and last year I had the same thing happen to me. This is not my debt and this is not legal to put something on someones credit without prrof of debt and no attempt to reach them to allow them to dispute the matter or even see if its legit which it is not. I dont know how they got my information but I want this removed from my credit report. I will be disputing this with the credit braeu as well.
|
| 05/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/2021, I submitted a dispute to XXXX, disputing a debt in the amount if {$610.00} that is being reported by Consumer Adjustment Company. On XX/XX/2021 XXXX stated that the investigation was complete, and that the debt was validated. I sent a certified letter on XX/XX/2021 to both XXXX, and to Consumer Adjustment Company requesting debt validation. Consumer Adjustment Company never replied to my letter. On XX/XX/2021, XXXX stated that the second investigation was completed, and gave the EXACT same response, that the debt has been validated, but failed to provide me with information on how they validated the debt. They didnt because they did not validate it to begin with because the debt is NOT mine. I called XXXX about receiving the same results and spoke with a representative that told me that they can try to validated again. That makes no sense to me when they were supposed to be validating it after the first request. This is consistently being reported and negatively impacting my credit, and yet neither company can show proof that this belongs to me. That is because it doesnt.
|
| 12/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Debt Collector : CONSUMER ADJUSTMENT CO ACCOUNT NUMBER XXXX XX/XX/XXXX I disputed with XX/XX/XXXX, which I received a generic automated response, stating the debt was verified and accurate.
I sent the attached letter to Consumer Adjustment asking for validation. I have attached their email response and a copy of paperwork they attached.
They failed to provide any answers to my letter that I requested.
The unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently disputed a medical account with this company in to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 4 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one.
I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 4 months and never to be responded to.
|
| 09/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Around XX/XX/XXXX, I filed a complaint with CFPB in reference to negative reporting and inability to resolute negative credit reporting after compliant CACI, deleted negative reporting from credit report. Now XX/XX/XXXX, CACI have reflagged my credit report for same COVID medical bill with different amount from {$1600.00} to {$2400.00}, for same account number with no explanation or letter in reference to past due, last communication received was clearing me from medical debt balance to {$0.00}. In XXXX and XXXX, during the XXXX, I was diagnosed with XXXX XXXX XXXX with once experiencing severe symptoms where I was in emergency room for hours approximately XXXX hours to temporarily gain control by medical professionals before discharging. However, I was advised that my medical bills were covered under Cares Act due to qualification from my positive XXXX cases. I submitted a disputed on this medical bill which were flag on my credit report by CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX : ( XXXX ) XXXX. I disputed on behalf of Cares Act.
|
| 06/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair 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.
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
|
| 11/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Complaint : The collection company failed to communicate this debt to me either by mail or phone call. I have NOT RECEIVED any documentation from this collection company regarding this debt. The company went forward with placing this debt on all 3 credit reports. I have disputed this information because I've been a victim of identity theft and have placed fraud alerts on my credit reports.
Collection company information as it appears on XXXX credit report : CONSUMER ADJ CO Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Account : XXXX Amount Owed : {$920.00} Date Opened?? : XX/XX/2021 ( I'm assuming this is the date it appeared on the credit report ) I have filed disputes with all 3 credit reports. XXXX responded first stating the debt remains on my report. However, I do not owe Consumer ADJ Co. this debt because I have not received any communication from this collection company about this debt.
File # from XXXXXXXX XXXX investigation : Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX Consumer Relations
|
| 06/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 I received a letter from CACi in regards to an account owed to XXXX XXXX XXXX that was sold to XXXX XXXX XXXX and apparently being handled by CACi for collections. This letter was dated XX/XX/2021 but did not receive the letter until XX/XX/2021. The letter was the initial dunning letter per FDCPA, offering a settlement that expired in 60 days, outside of the validation period. I am neither confirming or denying that this account was owed however I wanted to simply pay it off since I am in the process of closing on a home. For this reason, I took their offer and paid the resolution amount of {$270.00} with a write off of {$68.00} on XX/XX/2021. I thought this had resolved the account however on XX/XX/2021 it was reported to my XXXX report. This is extremely unfair and abusive as I was not given sufficient time to resolve the debt and just recently received a notice and took care of the account immediately. I was told by their rep that the account would be closed and returned to the current creditor and trademarks would deleted from my XXXX.
|
| 05/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a collections account that shows as derogatory on my credit that I discovered when applying for housing. The collections agency is " CONSUMER ADJUSTMENT CO '' for and they are reporting that it was was opened XX/XX/21 and reported on XX/XX/21. I never was billed from the original debt holder nor have I received anything from the Consumer Adjustment Co. It says it is a medical bill and I have had continuous health insurance for years. Sometimes I have had two separate insurance policies so it is highly suspect that I could have any medical bills outstanding. I have sent Consumer Adjustment Co a request to validate that the debt is in fact mine but there has been no response or any change in the reporting. I was clear that I was disputing the collection so this is clearly a violation of FCRA Section 623. The fact that the debt was never validated and yet they reported it is a violation of FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX. This seems like some unscrupulous practices to collect a medical bill that I do not believe I owe.
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My understanding is that CFPB IS SUPPOSED TO HELP AND AD FAR AS I CAN TELL, no such thing is happening! XXXX has yet to provide their proof about XXXX and it has been removed on all other accounts! I have sent police reports and court documents! A collection company tried to sue and garnish my wages! How can this even be allowed! Now XXXX has added A Consumer Adjustment Company to my credit for XXXX $ that showed up with a balance on XXXX! Where is the proof of anything from XXXX? I am calling an attorney after this complaint for my records! I have reached out to you CFPB and still have no answers!!!!!
Where is the proof?? A police report and court documents should be proof enough! Why is this on my credit!!! So what you are telling me is that I opened a XXXX account XX/XX/XXXX and first delinquency was XX/XX/XXXX? Show me checks were I made a payment or even a checking account payment! And my signature!!! This is a bold face lie and CFPB IS DOING NOTHING NOR IS XXXX BUT ENABLING THESE XXXX XXXX!!!! I want THESE LIES REMOVED FROM MY CREDIT!!
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I applied for loan and found out today XX/XX/XXXX my credit was lower than normal and I couldnt apply for the loan. Normally it is around XXXX but is now down to XXXX.
I pulled an XXXX credit report and showed {$6100.00} in open debts to a medical company I've never used, nor have I ever received a bill or collection notice from. I called them, and confirmed my info, they had my correct social, but not my correct birthday. The lady was nice and said they would put into fraud status due to the birthday being incorrect but I should contact XXXX.
The total amount in collections is {$6100.00} from XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. My insurance would have covered this in full if it were truly my medical bill as my insurance always cover everything with the amount I have to pay on it.
I also called the original creditor, XXXX XXXX XXXX, and they had no record of me in their system.
The contact POC on my Credit Report for the debt collector is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Thank you XXXX XXXX
|
| 09/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Consumer adjustment company has never sent to me any correspondence ( written or phone calls ) regarding the alleged debt that showed up on my XXXX credit report on XX/XX/2020. I sent a dispute to the credit bureau on that day online and mailed a certified letter to Consumer Adjustment company on the same date requesting validation of the debt and the right to collect for alleged debt. The letter was delivered and signed for on XX/XX/2020. The alleged debt was then added to my XXXX credit report on XX/XX/2020. This company is in violation of the FDCPA the debt was not validated within 5 days of the initial contact which was the entry onto my XXXX credit report, because there was no other communication emailed or mailed to me. There also has been no documentation to validate the debt since the receipt of the certified letter but continued collection efforts on part of Consumer Adjustment Company. After submitting this complaint my next step will to be to file a formal complaint with the Consumer Financial Protection Board.
|
| 03/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Account name CONSUMER ADJUSTMENT CO Account number XXXX TWO collections on my credit report since a XX/XX/2022. I was XXXX with my XXXX child in XXXX of XXXX - and this has since destroyed my credit and my opportunity to buy a house for my daughter and I. It says XXXX XXXX. I wrote a letter in the mail, emailed, and called for information about this debt - no reply, no response, no call back. I have disputed it several times on my credit report and they continue to deny my dispute. I have NEVER been to XXXX XXXX!!! I never received ANY mail or information about this prior to it appearing on my credit report. It is destroying my credit and its NOT MINE!!!! I called XXXX XXXX and asked if they could look my name up and they said they dont have it in the system. The representative told me that people can sign up using any phone number and never pay and it will get charged to another persons account. I searched my emails and have NO emails from XXXX XXXX. My phone # was not in XXXX XXXX system. I need this removed asap.
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX the consumer and natural person am seeking remedy from Consumer Adjustment Company Inc.. They are in violation of Federal Law they violated FDCPA Laws, On XX/XX/2022 at XXXXXXXX XXXX I received a text message from Consumer Adjustment Company Inc. which is a violation of the FDCPA. They did not have prior consent to contact I XXXX XXXX the consumer, natural person which violates 15 USC 1692c ( a ). It was an extremely inconvenient time when I received this text. That violates 15 USC 1692c ( a ) ( 1 ). The message in Exhibit A states " To access your account '' which seems like CACI committed Identity Theft by opening an account under my name WITHOUT my permission and that is a punishable crime. Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$6000.00}, I have intent to litigate this matter if my demands are not met. Please investigate this matter and help me from further harassment. Thank you, XXXX XXXX
|
| 04/23/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My identity was stolen on XX/XX/XXXX. I was unaware of it until I saw it on my credit and disputed it around XX/XX/XXXX. I was called regarding it from the collection agency and reported that it was open fraudulently and told them over and over again and they said they were going to take care of it. It came off my credit around XX/XX/XXXX. I never saw it on my credit. five years later XX/XX/XXXX of XXXX they reopened it on XX/XX/XXXX. They are now continuing to call me, They are harassing my family. They have repeated my Social Security back to me over the phone and threatened to track me down and told me that I needed to appear in court in a state Ive never been. I have not received paperwork. They told me that they ran my credit, it is NOT accurate. I have disputed it over 10 times. I proof of when it was opened and when they reopened it five years later. and the date that I have disputed it in XXXX. I dont feel comfortable with the situation. I am a victim of identity theft. this was disputed five years ago.
|
| 02/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I would like for CONSUMER ADJ to show proof of verification that I owe them {$140.00}, ACCOUNT XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed ABOVE. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
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| 06/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received an alert that this was added on my credit report. I have never heard of the original creditor or the collection agency. I filed dispute with XXXX and 2 days later all they did was update the information to match the information on the other credit bureaus. In other words this collection was not accurately reported. I have not received any documents or any calls. I even filed with the XXXX. This company on their site has an overwhelming list of complaints for adding false information and false reporting. This company is known to scam and it is causing me stress because I just finally cleared my credit not even a month ago and all of a sudden this account just appears out of nowhere. I need this deleted or removed please. I do not own this debt and didn't have any documents to support that this is mine because I have never heard of either said company. It says amount owed {$810.00} as of XX/XX/2022. Company name of original debt XXXX XXXX XXXX XXXX FL and debt collector Consumer ADJ CO.
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| 12/29/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/2021, I received a notification from my credit monitoring services stating that a new collections account had been added to my credit report. I had no previous knowledge of this assumed debt. I was never sent any written notification regarding this assumed debt which is a violation of my rights as a consumer according to the Fair Debt Collections Practices Act. The assumed debt reported to the credit reporting agencies was by a company called Consumer Adjustment which I have never heard of nor have I ever received any written communication. I have no knowledge of the alleged owed debt of {$660.00} stating as owed to XXXXXXXX XXXX Hospital which they have named as the " Original Creditor. '' According to Consumer Adjustment, this alleged debt was supposedly opened on XX/XX/2021. I do not accept and has never accepted any offers to contract with this entity and I demand that any and all negative reporting which they have made to credit reporting agencies be removed immediately.
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| 04/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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In XXXX I had XXXX XXXX and XXXX, The XXXX XXXX XXXX credit card I had with a balance of {$300.00} was charged of due to unable to pay which appeared on credit report. In XXXX I paid collection agency {$360.00} which was {$62.00} more than original balance on a charged off account to help me recover from my misfortune and health. The bank changed collection agencies and I was charged {$420.00} in late fees that have went into collections on XX/XX/XXXX from an account that was closed and charged off from XXXX I am XXXX and have neurological problems but this seems crazy and illegal to go after me 3 years later for late fees on an account that is already charged off on my XXXX and XXXX report. How can I have a collection and a charge off Trying to build my credit back up and from 3 years a collection account shows up for late fees not even the original amount of card this is not right both of these accounts from XXXX XXXX XXXX should be removed now this is fraud and harmful. Im sorry
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| 05/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Consumer adjustment co sent a collection to the credit bureaus for the amount of {$300.00} on my credit report they made illegal practices to send it to the credit bureaus such as I was not contacted not once by them they never sent me a debt validation letter which they are required by law to do they made those errors and still sent it to the credit bureaus they also illegally re aged the debt cause I never opened the account on XX/XX/2023 I mailed a letter to them which came back as delivered on XX/XX/2023 requesting proof they prove this account is mine they never replied back they had 30 days to do so now going forward this debt is no longer valid for not having proof and making the above errors and illegal mistakes in credit reporting consumer adjustment co needs to be in FCRA compliance and remove this collection immediately for what they did will attach supporting documentation including the tracking number for the letter I mailed to them plus additional details.
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| 05/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or ussentenced to a term of imprisonment of 2 years.
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| 05/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I had a collection flagged by Consumer Adjustment co from a hospital bill that would be on record until XX/XX/XXXX. I disputed the collection with the collection agency directly due to that medical bill being paid by my insurance and me having no recollection of it outside of that. The collection was then removed and gone from all 3 of the credit bureaus by XX/XX/XXXX. The collection has reappeared by XXXX XXXX XXXX as of XX/XX/XXXX, without me being aware, and is now on record until XX/XX/XXXX. I checked back on my Account with Consumer Adjustment co and had came across a settlement offer for the same collection that is being reported by XXXX XXXX XXXX and when I try to look up my account with them I can not find it. I don't understand how this collection is being flagged by one account and reaged while being offered a settlement by Consumer Adjustment after I had disputed the collection. This sequence of events feels uncommunicative, indirect, and aggressive.
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| 11/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been keeping close tabs on my credit and have noticed a couple of different account appear on my credit that I have not opened. I have disputed them through XXXX I have also reached out to the companies and they have all told me that they wont do anything to help me. I have also asked repeatedly for copies of the original debt so I can see if this debt is mine and all they tell me is they have already mailed it to me. I still have not received anything in the mail.
CACI Consumer Adjustment XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX {$400.00} From XX/XX/XXXX It just appeared on my credit report in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX {$940.00} From XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX {$1000.00} From XX/XX/XXXX I have reached out to all these companies and they will not provide me any documentation showing that these are legitimately my accounts.
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| 09/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Dear CFPB Consumer Adjustment added to my credit report a collection for XXXX XXXX in the amount XXXX that was already disputed in previous collection with Debt recovery solutions you can reference complaint ID XXXX And XXXX all my proof and documentation is on those complaint IDs including the mistakes and errors and FCRA laws the previous debt collector made this debt should have not been added back to my credit report after it was concluded no proof was provided on the debt collectors part same goes for consumer adjustment who added this collection straight to my credit report without first attempting to contact me first and sending a debt validation letter first and given me 30 days to respond consumer adjustment already violated FCRA laws by not doing those two things they need to remove this account from my credit profile immediately and if they continue to Per-sue this collection they will need to furnish full proof that this account is mine
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| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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XX/XX/2019. I was turned over to consumers adjustment co.and the company that turned me over was XXXX.. which I have no idea who they are and I already talk to XXXX the owner of it and he said I don't owe nothing that I am not even in database ... I have all text and email from this man that states he don't know how this happened. Also I talknto consumers adjustments he couldn't give me any info I asked on me .. you may look into this situation as 2 company 's could be working together.. This has been on my credit since XX/XX/19 and has hurt me on borrowing money as well as getting loans. I will reach out to myXX/XX/XXXX as well. This is a crime and felony and strip me of all my rights and hard work. Someone needs to be held responsible and compensate me as well as bringing my credit score up. I am trying to get my credit right to buy a home .if you need the text and emails from XXXX XXXXXXXX I have them. Thanks please help me!! Scam.. scam ..scam
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| 11/09/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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ACCOUNT NAME CONSUMER ADJUSTMENT CO Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
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| 01/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX the following company Consumer Adj Co claims that I opened an account with their establishment owing the sum of {$280.00} currently. As of XX/XX/2023, the company continues to claim that I owe, as shown on my credit report. The following company Consumer Adju Colisted fraudulent claims of debts owed on my credit report, which are heinous, inaccurate, and false. This company has not provided any legal or binding contractual information showing that I entered into an agreement to pay the funds they claim I owe. According to the Fair Credit Reporting Act, this creditor is legally bound to provide accurate information. They are violating this legal ramification as I have no knowledge of this account, nor have I entered into any agreement with this company. I demand this be removed immediately. This company should also provide proof of the original contractual obligation, containing a copy of my physical signature of this agreement.
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| 01/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am submitting a compliant in reference to this company XXXX XXXX Corporate Guest Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and to the collection agency Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX, knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof of the purchasing agreement? Valid Authorization/proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously.
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| 05/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Consumer adjustment company showed up on my report as a new open account on XX/XX/XXXX with a delinquency. I have attempted to contact the company with no response via mail and phone. If the company bought old debt from another company they are not showing correct delinquency dates and the amount is higher than closed off account. This company is reporting as a brand new debt that is not correct. If it was bought from another company the delinquency date should be XX/XX/XXXXXXXX with XXXX XXXX with a closed date of XX/XX/XXXXXXXX and a balance of {$720.00} Consumer adjustment company has a new open date and delinquent date as XX/XX/XXXXXXXX with a balance of {$1100.00}. I have submitted disputes with all 3 reporting companies. Changing the delinquency date and additional amount are both violations of Fair Debt Collections. Also, I am a south Carolina resident and S.C. has a 3 year statue of limitations on these types of loans.
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| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act, Consumer ADJ CO has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance.
I have disputed this several times in attempt to correct the inaccurate information that is being report, however Consumer ADJ Co has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
|
| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This debt collection account was opened on XX/XX/1921.
In the interim I never received a notification or billing statement requesting payment on the account.
I then opened my credit bureau information around XX/XX/XXXX or XXXX and was stunned to see that this collection account I didn't recognize.
I then discovered that the account had just been reported XX/XX/1921.
I sent dispute letters to all three bureaus of which I haven't received any notification online that the disputes are even being worked on.
I know they get swamped working on other accounts.
I then sent online disputes about the collection account to XXXX and XXXX and a week later the results were " Account Verified '' as mine.
I'm waiting for any results by mail, email, anyway.
I have been rebuilding my credit history using credit cards all payments on time and this collection account has been an awful stain on it Please help ... Than you.
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| 02/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I owe the original debtor, XXXX XXXX XXXX XXXX, ( 1 ) {$62.00} amount from XXXX or XXXX, not sure which year the original debt was created, but it is only one bill. Consumer Adjustment Co has listed the bill on my credit report sometime last year. I have NOT made a single payment to their company of any kind, yet they just made the debt NEW again on my credit report. They can not do that unless I have made a payment, which I have not. They had someone contact me, verbally and tell me that I owe them {$4000.00} or so. I told them I would pay on the XXXX of XXXX, XXXX. However, I have not paid thus far and will not being paying since they are trying to be fraudulent. They are trying to restate the original creditors name and double add one single debt to my credit report. It shows twice and they just made it new on the XXXX of XXXX. They did this through XXXX Credit Bureau and I may seek legal counsel in the future.
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| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I am in good standing with my credit card company XXXX XXXX XXXX and as of now am current with my payments. On XX/XX/2023, my credit dropped and noticed there was a collection account with consumer adj co for {$510.00} on my credit report for XXXX XXXX XXXX. I called my credit card company they said they never placed a collection on me because my account is in good standing. On XX/XX/XXXX I disputed with XXXX XXXX for fraud and they did nothing they finished investigating by XX/XX/XXXX and nothing was done. My credit rating has suffered due to unexplained and suspicious collection account which hurting my credit rating. I want this account removed since XXXX XXXX is not doing there job or even can not or don't know what is fraud. I can not find a phone number with the collection account consumer Adj co but only have this address Consumer ADJ Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX.
Thank you, XXXX XXXX
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| 11/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I pulled my credit report from XXXX and an unauthorized collection account from CONSUMER ADJUSTMENT CO, on behalf of XXXX XXXX XXXX XXXX, reporting in the amount of {$1200.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
|
| 04/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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My personal information got leaked in the XXXX data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, and they intern reached out to the companies that were showing up on my credit report. At first all of the items were removed from my credit report and then about a week later all items begin to appear on my credit report again, but the amounts were different and it appear to have different account numbers which is fraudulent these companies have never reached out to me in reference to any of these accounts Nor have these companies sent anything to me validating that these debts actually belong to me. These companies are putting these negative marks on my credit report without my permission authorization, knowledge or consent from I was never even notified I learned of these things through my credit report.
|
| 03/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Im disputing a claim from XX/XX/2020 when I was in the emergency room. I two insurance. I have primary insurance XXXX XXXX and my secondary is Medically Needy through XXXX. My eligible following periods was XX/XX/2020 TO XX/XX/2020. Please see attachment below showing eligibility during that year. The XXXX XXXX XXXX XXXX XXXX XXXX department told me that I did I had a zero balance and they had both of my insurance listed. Your company has put me in the collection with inaccurate information. I attached proof of my secondary. I need this error corrected immediately. Im in the process of purchasing home. I find out about the collection wile Im in the process of purchasing a home from where my loan officer pulled my credit. Thank you for your assistant in this matter. Please feel free to call me to help me with this inaccurate information that was reported to the collection agency and credit bureau.
|
| 01/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Three to four different debt collection companies have tried to place a collection from this company on my credit reports. I have gotten the debt removed each time because its fraud and each time they try to file for a different amount claiming to be owed by me. One collection was for {$370.00}, another {$190.00} and now they are claiming I owe {$150.00}. Which makes no sense, I never had a loan with this company and if I did why would they collection amount be different each time they file? This is fraud please stop this company from using my SSN, they are harassing me and affecting my credit. I DO NOT OWE THEM MONEY AND WILL NEVER PAY THEM ANY MONEY. Attached are screenshots of the {$370.00} they attempted to charge my XXXX account which I never gave them my name one their so Im confused how they tried to charge that account. And attachted are screenshots from XXXX deleting this debt twice.
|
| 09/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Recently around XX/XX/XXXX I checked my credit report to see what my score was and notice that I received a notification in the early part of XXXX. Upon checking the notification it mentioned a collection account that I have no knowledge of in addition have not received any notice that shall be sent pursuant to the FDCPA. Since I did not receive said notice, that is a blank violation of the FDCPA and this company is liable under 15 USC 1692k. This notice would have gave me an opportunity to dispute any information or dealings with this company prior to the negative item being reported on my credit report which is a violation of the FCRA. This item being reported is not only a intrusion of my privacy, a violation of federal laws, it as well ruining my reputation. Since my consumer rights have been violated I am forced to take legal actions via suit or the matter can be settled outside of court.
|
| 08/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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There was an account opened with XXXX Flags that I never had and filed a police report. I sent over the police report VIA email after I called ( XXXX ) XXXX. This was back in late XXXX and early XX/XX/2022. While the gentleman provided the email he had the audacity to STILL demand payment. It was ridiculous. It has now been XXXX weeks and it's STILL on my credit report. This company has a LONG history of arbitrarily placing debts not owed on the XXXX and another has just been added. It's a pattern that places the burden on the consumer while it takes absolutely nothing to add information on ones credit report. It is XXXX and it was placed on my credit report the last week in XXXX for an account they say was opened in XXXX of this year. Which is impossible considering I have not been to ANY XXXX flags in several years and that none of the information proved to me over the phone even matches me.
|
| 04/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have updated information regarding complaint # XXXX Dear CONSUMER ADJUSTMENT COMPANY INCORPORATION, I am writing in regards to the collection account that you have been attempting to collect from me. I am concerned that I have not received any update from you regarding the investigation you were supposed to conduct.
As per the Fair Debt Collection Practices Act, you are required to provide me with a written notice of any action taken, including an investigation, within five days of receiving my dispute. However, I have not received any communication from you regarding the status.
I am now making a demand that you delete this account from all 3 credit reporting agencies in the next 5 business days or I have no other choice but to file a lawsuit suit in federal court for fraudulent activity & defamation of character.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 01/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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In XX/XX/XXXX, I purchased a theme park pass for XXXX XXXX. Due to the Pandemic, XXXXXXXX XXXX did not open as scheduled in XXXX XXXX. When the park subsequently opened I could not visit ( I could not use the pass I purchased ) due to being both immunocompromised and having XXXX XXXX XXXX. My doctors said I should not visit. I relayed this to XXXX XXXX, but they would not cancel the pass. I contacted my credit card company who reversed the XX/XX/XXXX charge ( of {$110.00} ).
This item appears as delinquent on my XXXX credit report. I contacted XXXX and explained the situation, but they have not removed the item from my credit report.
The company reporting to XXXX is Consumer Adjustment Company.
( For what it's worth, both my credit company and XXXX agreed with me. XXXX removed the item from its credit report and the credit card company reversed the charge from XXXXXXXX XXXX ).
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid a hospital bill that was late and agreed to pay a reduced amount to settle the balance back in XX/XX/2020 ( I have proof in the form of agreement letter ) I made this agreement with Consumer Collection Management. The file was then sent back to the dreditor. For what ever reason the creditor messed up and sent the file to CACI who posted a collection on my credit report which tanked my credit score XXXX points from very good to fair. I went to the creditor and showed them proof that the debt was paid and they apologized and immediately called CACI to inform them the debt has previously paid and it was a mistake and to stop collection and remove from my credit reports. I have since called CACI multiple times and told a XXXX XXXX is handling this and he is on the phone and will call me right back which never happens. I have no other option but to file this complaint.
|
| 11/07/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER.
This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records or I'll it to the next level.
|
| 12/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Company CACI received a placement file from XXXX XXXX XXXX XXXX for a past due membership fee. I cancelled in time which means the fee should not have been referred to collections. The date of placement was XX/XX/XXXX and CACI reported the item to the credit bureau on XX/XX/XXXX. CACI did not send me a validation letter or give me a chance to dispute the collection. I called the creditor and it does not connect to a live person. I emailed the creditor and they have failed to respond. I disputed the matter with CACI and instead of honoring my dispute they sent me a collection notice via email with the date as the date of our discussion. This company is illegal and is placing low balance debt directly to consumer credit report to force them to pay the debt. My credit has taken a big hit because of this. I am a college student and could not get approved for tuition.
|
| 05/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CACi has continued to contact me regarding a debt that they have refused to validate. I submitted a debt validation letter to CACi via USPS certified signature return mail which CACi signed for on XX/XX/2021. After ( 30 ) days from their receipt of the letter, CACi still had not responded to me nor provided me with the debt validation that I requested. After XX/XX/2021 I was still receiving phone calls from CACi, so I filed a complaint with CFPD. Shortly after the phone calls stopped.
On XX/XX/2021, at XXXX XXXX EST I began receiving test messages from CACi from XXXX ( XXXX ) XXXX asking me to click suspicious links and to respond to the text message. CACi failed to respond to my validation request and therefore needs to stop contacting me immediately, otherwise I will seek legal counsel.
NO PII is being included in this complaint VIA CFPB 's instructions.
|
| 07/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX ( XXXX XXXX XXXX. XXXX, OH XXXX ) opened a fraudulent account in my name in XXXX of 2015. This Fraudulent account has been sold to a collection agency Consumer ADJ. I have tried to prevent any confusion with XXXX XXXX about this fraudulent account. I have requested that this fraudulent account be removed immediately from the credit agencies. I have tried working with the credit reporting agency and the credit grantor to have this account removed from my credit report. Right now I am seeking legal advice in addition working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or my authorization. If I am unsuccessful with this attempt. I will be forced to file suit in federal court naming the credit reporting agencies, the creditor and the collection agency.
|
| 08/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a collection letter from XXXX for {$66.00} dated XX/XX/2018. I promptly disputed the debt, requested validation, and requested that they cease and desist all collection efforts, including credit reporting, until they either validate the debt or notify me they do not intend to attempt to collect in a letter I wrote to them on XX/XX/2018. This collection agency did not do either one. They failed to respond, did not provide validation, and still continue to report this invalid information on my credit report. Reporting information to the credit bureaus is considered collection activity. It is a violation of the FDCPA to further attempts to collect without validating information after it has already been disputed. This information furnisher did not respond to my dispute and must remove the information from my credit files at this time.
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On or around XX/XX/XXXX I disputed an account on my credit report as it did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX the account is noted on my credit report as " consumer disputes this account information '' This does not resolve the matter nor does it comply with my request for validation. Furthermore the items remain on my credit report still reporting negative. Consumer Adjustment has failed to provide me with supporting documentation that this account is legally my responsibly. The account listed shows the original creditor as being " XXXX XXXX XXXX '' with an amount owed of {$650.00} - date opened XXXX I have personally never held an account with this organization. Consumer Adjustment is reporting this account incorrectly.
|
| 02/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I, XXXX XXXX, the consumer and original creditor in fact, are aware of your fraudulent and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, the applicant, initiated a Consumer Credit Transaction using my Credit Card 15 USC 1601 ( 1 ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), but the consumer which is myself never benefited.
CONSUMER ADJUSTMENT CO has violated my consumer rights and also has violated the XXXX law.
I am demanding CONSUMER ADJUSTMENT CO to report to delete the collections to all reporting credit agencies within 7 days of receiving this letter/complaint. I, XXXX XXXX, never gave CONSUMER ADJUSTMENT CO to furnish information on my behalf 18 U.S. Code 1028A. I am demanding {$1000.00} for each violation to my consumer rights.
|
| 06/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Consumer Adjustment Co. contacted my work phone and a third party about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Consumer Adjustment Co. nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$700.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
|
| 06/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
First off the validation, never came to me because it's not mine. I've never taken a payday loan in my life. But what they're doing is every day they'll raise it up by a XXXX and lower it by a XXXX the next day every day. As you can XXXX it's really messed up my credit up but every day it goes up a XXXX and then goes down XXXX slice like they're harassing the = out of me and I'm trying to buy a truck and it's really making things difficult.. I've dealt with this bull= ever since XXXX had all the data late. So since about XXXX XXXX XXXX, I have not been able to buy anything nasty matter how hard I work. My identity has been stolen. I can't get a new Social Security card and every time I think I get it worked out, some collector XXXX puts something on there that's not mine I can't validate it and then they harass me.
|
| 10/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this {$1100.00} bill from Consumer Adjustment Co through all three credit reporting agencies since the day I accompanied my adult daughter to the ER and received a text on my phone saying thank you for your visit as they apparently scanned my phone when I walked in. I immediately responded that I was not seen that day, but had driven my daughter, who by the way does not live in my household.
I am not responsible for this bill, and if you check you will see it belongs to my adult daughter. It is outrageous that my credit score can be decimated while they continue their false claims, while at the same time hounding my daughter for the exact bill in question.
It should also be noted that I have not used the XXXX XXXX XXXX since my XXXX XXXX 5+ years ago. I use XXXX and an XXXX for my health needs.
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONSUMER ADJ CO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 06/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The company did not have permission to contact me.
The company did not satisfy my request to validate the date as the following were not provided : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Commission for debt collector if collection efforts are successful.
I did not receive response to my request within 30 days. ( Validation letter was not provided until XX/XX/21, electronically and only in response to my CFPB complaint. )
|
| 03/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/2021 a complaint was submitted via CFPM regarding an account that Consumer Adjustment ( CA ) is reporting in error to the credit reporting agencies. On XX/XX/2021 CA responded to my original complaint outlining that they have documents that were provided by the original creditor related to the validity of the debt they claim I owe. CA claims they " emailed '' the documents to me but I have never provided CA with my email address. On XX/XX/2021 I wrote CA requesting validation and a response via U.S Mail. As of today XX/XX/2021 that response has not arrived nor has it complied with my request. On XX/XX/2021 CA responded to my second CFPM complaint noting that they mailed the documents on XX/XX/2021. As of today XX/XX/2021 those documents have NOT arrived nor has CA complied with my request for validation.
|
| 07/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Received multiple statements regarding this " alleged bill of mine '' and because it didn't belong to me and I conveyed that to them over the phone, I began to throw them in the trash each time. Thank goodness when my son brought mail to me one day ( that's where I resided when this initiated ) this piece was in it because it landed on my consumer report as a derogatory debt. The only reason I found that out is because one of my credit card company 's decreased my credit limit due to " a recent derogatory collection '' ... it literally ruined my good reputation as a consumer. According to the statement ( XX/XX/XXXX ), the date of service was XX/XX/XXXX at XXXX XXXX and the amount is {$1700.00} At this point in time, I've sent off a debt validation letter, a cease and desist letter and an affidavit of truth.
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Consumer Adjustment Company Inc.
address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Company reported a {$440.00} bill to collection even though I never requested their services. XXXX XXXX sheriff called an ambulance and a medic XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since they called the ambulance they should be responsible for the bill. I woke up in the hospital. After being released I received an ambulance bill and contacted the hospital which told me to call the sheriffs office who they said should pay the bill. They refused to pay and after months of going back and forth the XXXX XXXX sheriffs off, the bill was sent to collections which dropped my credit score by XXXX points! There should be a law against for debt collectors trying to collect money from someone that did not request services.
|
| 10/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
COMPLAINT AGAINST : CONSUMER ADJUSTMENT CO = XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX AMOUNT IS : {$640.00} OR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX SINCE XX/XX/2020 I HAVE BEEN SENDING DOCUMENTATIONS SUPPORTING THAT THIS DEBT IN THIS COLLECTION COMPANY IS NOT MINE.ALL REQUIRED DOCUMENTS BEEN RECEIVED BY THEM ALONG WITH WEEKLY REQUESTS TO REMOVE THE DEROGATORY COLLECTION DEBT FROM ALL 3 CREDIT BUREAUS.
I HAD 27 COLLECTIONS RESULTED THE IDENTITY THEFT IVE ENDURED AND THEY ALL WORKED WITH ME AND TERMINATED THE DEPILATORIES REPORTING TO THE BUREAUS EXCEPT THIS COLLECTION.
I'M IN THE MIDDLE OF CLOSING ON A HOUSE AND THAT STOPS ME FROM MOVING FORWARD.
I AM WILLING TO TAKE ANY LEGAL ACTIONS AGAINST THIS COMPANY IF NECESSARY.
THANK YOU SO MUCH XXXX XXXX
|
| 09/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
At time of hospital visit a credit card was placed on file to make all charges of stay from hospital and providers. The total amount was charged on XX/XX/2021 in full. When debt collector called I called the provider billing dept and spoke to agent who is responsible for doctors for the hospital facility XXXX XXXX XXXX ext. XXXX and she verified balance is XXXX. I spoke to XXXX at the hospital ( XXXX ) XXXX and she also verified balance is XXXX. She also confirmed a refund of {$700.00} was sent for an overcharge on the credit card. The debt collector has not been able to provide transaction payments. I have verified with both provider and hospital billing departments have a XXXX balance and yet they refuse to remove it. If you call the representatives you will confirm balances are XXXX on both.
|
| 02/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX I was unable to make a payday loan with XXXX XXXX XXXX that I had renewed for over a year do to my income being cut short. In the month of XX/XX/XXXX I was able to payoff most of my collection accounts listed on my XXXX XXXX. I paid to XXXX XXXX XXXX an agreement amount of {$250.00} to settle the debt that was collected by agent XXXX XXXX # XXXX with XXXX XXXX / XXXX XXXX XXXX. Payment Conformation # XXXX issued by XXXX XXXX. The account was removed from my credit report after a process was completed in XXXX.
On XX/XX/XXXX this was listed on my credit report as a collection account which is totally incorrect. I spoke with XXXX XXXX XXXX XXXXXXXX XXXX XXXX @ XXXX to provide my payment information and I was told by him to dispute this matter online to an email that he provided.
|
| 05/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 CONSUMER ADJUSTMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXAccount # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
|
| 05/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On or about XX/XX/2023 I received a notification from XXXX indicating a collection was added to my credit file by Consumer Adjustment Co for a debt in the amount of {$700.00}. I have no knowledge of this debt so I attempted to dispute through XXXX the following day and on XX/XX/2023 I received notification from XXXX that the information I disputed was verified as accurate and did not provide an explanation indicating how they found it to be accurate. On XX/XX/2023 I sent a request for debt validation/ verification letter to the collection agency via certified mail and my records indicate they received that on XX/XX/2023. It has been over XXXX days and the collection agency has not responded to my letter or contacted me to verify and validate this debt that I have no knowledge of
|
| 07/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Consumer Adj CO. who listed as the debt collector, whom I have no knowledge of, reported a debt for XXXX XXXX Professionals who is listed as the original creditor reported to XXXX and XXXX a fraudulent debt of XXXX that is stated to have opened XX/XX/2022. This is fraud! An attempt to fraudulently collect monies. I do not have an open or closed contract, agreement nor contact verbally or non-verbal with this entity and have no knowledge of this company. It also shows record Consumer Adjustment CO is a closed facility, or non-operating entity. This entity has been sued constantly and lost cases for fraudulently creating false claims of debts owed. Per the XXXX.org website, each case they lost. I've never received any communication. This is a fraudulent debt collection attempt.
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 06 XXXX ) XXXX ... CONSUMER ADJUSTMENT CO ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 11/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a text message : This message is from CACi. Please call us at XXXX info at : XXXX Reply STOP to opt out. Msg & Data rates may apply. Thank you.
To which I responded to via phone call; thought it was an employer with potential job lead.
Upon verifying my information the gentleman said that I had an outstanding debt with XXXX XXXX XXXX XXXX ; my bank. I asked him to email the info; and he rattled off an email address that hasnt been used since I lived in XXXX XXXX TX.
I gave my correct email and he did not send the email to me as of yet.
I called back and got another person ; and I let her know that I had spoken to her colleague, and if the calls were recorded she would be able to see whom I spoke with and tell him I send me the collections information.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
|
| 07/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Consumer Adj CO. who listed as the debt collector, whom I have no knowledge of, reported a debt for XXXX XXXX XXXX who is listed as the original creditor reported to XXXX and XXXX a fraudulent debt of XXXX that is stated to have opened XX/XX/2022. This is fraud! An attempt to fraudulently collect monies. I do not have an open or closed contract, agreement nor contact verbally or non-verbal with this entity and have no knowledge of this company. It also shows record Consumer Adjustment CO is a closed facility, or non-operating entity. This entity has been sued constantly and lost cases for fraudulently creating false claims of debts owed. Per the XXXX website, each case they lost. I've never received any communication. This is a fraudulent debt collection attempt.
|
| 06/20/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I was n't sure which category this complaint would fall under. I had a debt with XXXX Hospital that I had a payment plan with and fell behind. They sent it to collections. I understand that. The collection agency called me and we negotiated back and forth about a payment plan. The next day ( today ) a hard inquiry is showing on my credit report for an installment loan with the collection agency. I did n't agree to anyone pulling my credit and I absolutely did n't agree to my " payment plan '' being an installment loan. I 'm in the middle of buying a house and I would not have had anyone pull my credit or put an installment loan on my credit. I was never advised I was going into a committed installment loan and did n't authorize my credit to be pulled.
|
| 02/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never receive any type of notice in the mail or email regarding any type of debt owed by Consumer Adj co. I do not know anything about this company. They have violated my rights to dispute and illegally reporting inaccurate information on my credit file which resulted in my credit file dropping XXXX points. On XXXX XXXX, I mailed a certified letter ( XXXX ) requesting proof of original signed contract with my signature on it, proof of ownership to collect on the debt, proof to collect the debt in my state and a list of itemizing charges if any. I'm not sure if I am writing the right company because again I never receive any written notice or email. My consumer rights have been violated by this company and I would for it to be resolved immediately.
|
| 05/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Consumer Adjustment Co is reporting a negative collection account on my credit report ( XXXX, XXXX, XXXX ) The debt is from a hospital called, '' XXXX XXXX Hospital '' located in the state of Missouri in which I do not live in. I have never received any services from that named hospital and have informed the debt collection agency that this fraud. I have been a victim of severe ID theft. I have provided the agency with proof of my dispute of fraud and this account is still listed on my credit report, reporting negative every month. I have sent in letters directly to the agency and also have done a direct dispute with the actual credit bureaus. I'm at lost of what to do now ... .. I just need for this fraudulent account to be removed from my report.
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/XXXX, I sent Consumer Adjustment Company a certified letter requesting Debt Validation. It has been 1 month, and 3 weeks and I have not received any response from this company. Under the FDCPA Practices Act, I have a right to request validation of the debt they say I owe. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter on XX/XX/XXXX, and the disputes with the XXXX credit bureaus over this collection came back as verified. This is clearly a violation and the FCRA, requires you to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. Please see debt validation letter and certified return receipt.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. I have NEVER been contacted by this company, CONSUMER ADJUSTMENT CO. I have no idea who they are or what they are trying to collect. They simply posted inaccurate information, a collection account on my credit report ( s ). They DID NOT follow proper collection practices by contacting me at my current address in writing or provide adequate time for a dispute. I monitor my credit closely and have a long-term freeze with all bureaus. Thus far, a collection account has appeared on both my XXXX and XXXX reports. I was notified via XXXX and another credit monitoring service from my bank. This collection account has caused my score to drop XXXX points preventing me from obtaining a XXXX credit loan I need.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hi, this company Consumer Adjustment Company is reporting a delinquent account on all 3 of my credit Files XXXX XXXX, XXXX, XXXX. I am the victim of Identity theft and this account does not belong to me. have reached out to this company and to no avail have gotten no response. This company is reporting that I owe a debt of {$970.00} for a company called 12 check n go whom is the original creditor. I Have attached my Police report case number as well as my Identity Theft Case number. I have not received any information form Consumer Adjustment Company regarding this debt, and somehow it is now reporting negative on my Bank Account. I am asking that this company delete this fraudulent debt from all 3 of my credit reports immediately.
|
| 06/23/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The collection previously deleted by Consumer Adjustment Co has been illegally reinserted using false, deceptive and misleading practices. This account was unsubstantiated, unverified, and therefore it was why it was lawfully removed in accordance with the Fair Credit Reporting Act.
Consumer Adjustment Co commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}.
I have attached the reports for comparison.
|
| 02/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit report today and noticed a collection from Consumer Adjustment Company. I am not aware of this company or the debt that they say I owe. I also never received written verification or a dunning letter from this company, giving me the right to dispute before adding this collection to my credit report. Collectors are required by Fair Debt Collection Practices Act to send a written validation notice with information about the debt they are trying to collect. I have no idea what this debt is even about and until I receive debt validation, it needs to be removed from my credit report. Also, if this company is not licensed or registered in the State of Louisiana, they can not collect debt from me.
|
| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
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After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as Consumer ADJ Co and validation was requested in the form of a dispute on XX/XX/2023 as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
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| 09/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/ I received a notification alert from my credit report that an item was placed for collections in the amount of XXXXdollars. The company listed is XXXX XXXX XXXX XXXX. I have not obtain any services via emergency room or urgent care. This company does not provide any contact information for reference. I have not received any mail notifications in regards to this collection before being placed on my consumer report nor have I received any information after it has been listed. I do not have any account information. I have attempted to dispute this account with the consumer agencies but all claim the information was verified, yet I have not been provided any information on how to reach this agency.
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| 12/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2023, I mailed a Certified Debt Validation Letter to Consumer Adjustment Company via United States Postal Services which was delivered on XX/XX/2023. I waited 30 days to receive a response from the company ; however, I did not receive a response. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX and it was delivered on XX/XX/XXXX giving Consumer Adjustment Company 15 more days to validate debt. However, we are now passing the 15-day mark with no response from Consumer Adjustment Company . After several attempts to validate this debt, I still have not received any communication and this unknown debt remains on my credit report which is a violation of my rights.
|
| 09/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On the XXXX XXXX of XX/XX/2023, I reviewed my credit report and saw that I had an unknown collection account from Consumer Adjustment Co. for an alleged debt in the amount of {$660.00} from a creditor XXXX XXXX XXXX. The information claims I opened the account in XX/XX/2023 and was 4 months late before transferring to collections. First and foremost, I have no idea what this debt is and who is Consumer Adjustment Co. I have informed delivery for my postal mail and have never received any communication from this agency whatsoever regarding this debt., so I am unsure how they were able to report this erroneous information to my credit file without any type of notification to the consumer of their intent.
|
| 02/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2022 I noticed my credit rating had gone down over XXXX points. In looking at XXXX, there was a {$3500.00} " collection '' added to my report. This is NOT MINE. I have no idea what this debt is. We pay our bills every month and up until then had excellent credit. It says the original creditor is XXXX, a company I have NEVER even heard of let alone done business with.
I disputed this with XXXX and within a few hours they said they " verified '' the debt with CONSUMER ADJUSTMENT CO and they closed my dispute.
THIS DEBT IS NOT MINE. I've never had any outstanding debt. I've never worked with these companies. I am being targeted and neither this scam company or XXXX will do anything about it.
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| 11/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was notified by XXXX that there was a change in my credit report on XX/XX/XXXX in which I reviewed and submitted a dispute. Consumer Adjustment Co has repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) reported delinquency on my credit report in which I have no idea who they are or what debt they are reporting delinquent, as I have not received any statements or written communication as to what this debt is nor was I given the required ability to dispute or request validity of implied debt, therefore a clear violation of regulatory requirements as well as conducting abusive and deceptive collection practice, causing unavoidable harm as my credit score has significantly been impacted.
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| 03/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
|
On XX/XX/2023, I mailed a letter to Consumer Adjustment via USPS mail, requesting documentation about account number XXXX because I was trying to verify if the account had actually been re-aged.
To this date, I have not received any mail in return about the account and I do not know how to go about getting the details. To my knowledge, this account is inaccurate and older than 8 years and should no longer be reported unless this company has re-aged the debt to collect and report a balance that I do not recall. But without the documentation, I am at a loss.
Consumer Adjustment is willingly violating my rights by ignoring my request and possibly violating my rights again by re-aging this account.
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| 03/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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To be clear, CACI did not reveal what the matter involved. However, they did choose to contact my XXXX old father to determine my location.
I already told them specifically that I did not owe the debt and not to call. Additionally, I should note that I did request a change of address form from the post office. As such, any and all mail I received would have been forwarded.
On top of that, they have my phone number and they've spoken to me and I clearly told them I do not owe the debt.
My complaint centers around contacting an elder relative to obtain information. Regardless as to whether they share information or not, it is inappropriate to contact associated persons fishing for information.
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| 10/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2020, @ XXXX XXXX I checked my XXXX account and noticed my credit score dropped 92 points due to an account being placed in collections. I called XXXX the next morning ( XX/XX/2020, XXXX ; XXXX XXXX ) reporting the account and creditor as fraudulent. I've never been to any doctor or hospital at all. I was never aware of the debt it was just placed on my credit report. I take my credit very seriously so I always check my report to make sure incidents like this don't happen. I've been in this situation before.
This debt is not mine. I have the right to challenge any and everything that is placed on my credit report. I need this taken off ASAP. This is hurting my score and my character.
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| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.
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| 03/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello I recently received an alert from the credit bureaus and notice a collection account on my credit reports. I have no knowledge of any collection or ever had an account with CACI owing {$2200.00}. I have contact the creditor, serval times and has not heard back from them. Also, I have reached out to all three credit bureaus requesting verification of this collection account ; to send me verification that this account belongs to me and any documents that is bearing my signature. As of today ( XX/XX/2021 ), I have not heard anything from them. I have maintain my credit in good standards for years. It issue is affecting my credit and I need someone to help me correct this problem.
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| 08/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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i have a common name and was told by trXXXX XXXX and XXXX that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things.
XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Consumer Adjustment Company has issued collections on both XXXX and XXXX credit bureaus for an older debt that was settled by a federal class action lawsuit.
The original creditor was XXXX and the original collection agency was XXXX XXXX XXXX. Since XXXX XXXX XXXX lost their case in court against XXXX XXXX XXXX, they were ordered to remove all negative information as it pertains to XXXX should the loan be received prior to XX/XX/XXXX.
Consumer Adjustment Company has opened a collection in XXXX of XXXX for the amount of {$950.00} on my XXXX and XXXX reports in another name for XXXX XXXX XXXX who they want to collect on behalf for as the original creditor was XXXX.
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| 04/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
Servicemember |
|
This company called my ex husband and said I needed to call them. I also have a voicemail where they're threatening to call my employer.
When I called the number he gave me, and the number in the voicemail, I was told they were an attorney 's office getting ready to file suit on me but if I made a payment right now, they'd stop it.
When I asked for their name and address, they would not give it to me. They were very nasty about it.
When I called back again, a different person told me they don't take payments and they are filing with a county I don't even live in. Even though the lady right before him was ready to take my card info.
I told them to not call me again.
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| 06/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have written to and disputed this account multiple times, and I still have received nothing in the mail at all in reference to it! This is a huge violation of my rights as a consumer. In this country you can not report invalidated information to third parties, as that constitutes defamation. The FCRA explicitly states that I have the right to the information being reported about me to the credit bureaus, they have failed to validate themselves. The FDCPA states I have 30 days to receive validation or the account is moot, they have failed to provide validation of the debt they are reporting. They are in flagrant violation of the rights granted to me. Please help me!
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| 07/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
A medical debt through a 3rd party collection ( Consumer Adjustment Company ) was placed on my credit profile without my consent from all 3 Bureau 's. I sent a dispute letter to have these negative items removed. I received responses as account verified and accurate. You have updated my credit report Without investigating my credit. XXXX I never signed a HIPAA Release Form with these unknown creditors XXXX The Privacy Act and HIPAA Laws protect personal and Medical rights information from being Distributed without knowledge and verbal or written consent. After your investigation, have these unknown creditors removed from my credit report. This is not my account.
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| 12/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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On XX/XX/2020 Consumer Adjustments company added a derogatory mark on my credit report identify by XXXX XXXX.
Upon researching, this account was transferred/sold and Im no longer responsible for this account.
CACI didnt verify this collection. I requested on XX/XX/XXXX that XXXX XXXX a representative of CACI provided me with documentation that Validates my debt.
As of today she has only provided me with a bill! A bill without a written signature does not validate the debt and anybody can send a bill and say its mine.
According to the FCRA, CACI has violated my rights as a consumer and Im requesting legal action to remove this account immediately!
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| 02/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Collection item reported on credit report. Attempted to dispute via credit reports AND also contacted the collection agency as this debt is not mine. The collection agency has not answered the phone every time that I have called to dispute item. According to what is reported, the name of the collection agency is listed as CONSUMER ADJUSTMENT CO, XXXX XXXX XXXX, and XXXX XXXX XXXX. They are stating I owe XXXX dollars from a loan taken out in XX/XX/2020. I have not taken out a loan with these companies in XXXX or any part of 2020. The address of this company is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and the phone number I have attempted to call is XXXX.
|
| 10/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I have sent several dispute letters to Consumer Adjustment and I also sent a certified letter which I have attached the proof they got it and signed for it. I have no knowledge of this account, company, and never had any contract with this company. I also have attached the 1692G Letter based on the FDPCA. They have violated the law by reporting this unverifiable and incorrect information on my XXXX credit report. This account needs to be deleted immediately for law violations of the FDPCA. I've tried to resolve this with the company, but clearly, compliance and accuracy are not important to them. Delete this information from my XXXX Credit Report.
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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On XX/XX/2020, Consumer Adjustment Company added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Consumer Adjustment Company did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Consumer Adjustment Company has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately.
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
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Web |
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Dont know when this got on my credit report but I will like some one take a look or invest what some did this to me when Im XXXX period kept get me denied a lot of stuff and every time try applying I have come in identifying my self and I dont have time for this when just XXXX XXXX this just wrong plus gone threw some stole my identity and Im lost again I dont have my phone so lost all my information was in my phone. This not rite at all that someone do this to person who have XXXX and Im not able to find out what gone on with my account until my sister help me login and see what on my consumer report something Im not aware so need help
|
| 04/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Caci has been calling me, sent me a bill, and also put a collection on my credit report. All of this after I told them on the phone the debt was paid in full to the original creditor. I also called the original creditor to verify again this was paid in full. I was told yes and that they had already told Caci this was paid and to stop collection. Caci has not stopped and has put a collection on my credit. When I called Caci and spoke to XXXX, no one could tell me why it was put on my credit. And I would get an email in 3 days saying it was paid. I still do not understand why this put on my credit when it was paid in full.
|
| 01/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I got an alert this morning XX/XX/2021 regarding something was added to my credit file. I checked my reports and notice a collection reporting on my XXXX and XXXX credit report from a company Consumer Adjustment Company I do not recognize. This company has violated my right under the Section 15 USC 1692e 2 ( a ) ( b ) false or misleading reporting FDCPA. I also never received any notice written notice or notice by phone phone that this was an attempt to collect any alleged debt, also my right to dispute this alleged debt was ignored. I have not validated this debt and only me as a consumer can validate any alleged debt.
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have an account reporting on my credit reports that I do not recognize.
Apparently it's for an apartment complex. The only issue with that is, I've lived in the same house all my life. I was raised by my grandparents and their house was willed to me. It is impossible that I could have incurred this debt. I have tried unsuccessfully to get the company to prove this debt to be mine and they have not responded at all.
I was told by my boss to complain here to make them do their due diligence or remove the account. I've been requesting validation or removal for exactly one year now and I'm at my wits end. Please help.
|
| 09/16/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX sold this account to Consumer Adjustment Company in the amount of {$1200.00} on XXXX XXXX, with false pretense after XXXX XXXX has been paid by the insurance company and have tried to commit fraud against me the consumer. Then have sent my information to this company Consumer Adjustment Company to try and force me to pay a debt that was already paid once, Then continued to submit this as a non paid balance to my credit report. To intentionally report false information to XXXX. I want this frivolous charge removed off my credit report. This is illegal and I need help now. They are committing fraud.
|
| 02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX has marked my account down for XXXX points for a new collections account being added. Consumer Adjustment Co is the collections company. I look at my report and all the accounts show as old, and that there is no new collections. I think Consumer Adjustment Co has re-aged old collections to look new and thus hurt my credit score. They have done this two other times in the past. That is the only explanation that seems reasonable. Or this credit bureau is discriminating against me because of my race or gender, or both cause there is no new collection on my report. I do not acknowledge the debt as valid.
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2020, Consumer Adjustment Co add a derogatory marks on my credit reports perXX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Consumer Adjustment Co has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 03/01/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 a complaint was submitted via CFPM regarding an account that XXXX XXXX ( XXXX ) is reporting in error to the credit reporting agencies. On XX/XX/2021 XXXX responded to my original complaint outlining that they have documents that were provided by the original creditor related to the validity of the debt they claim I owe. XXXX claims they " emailed '' the documents to me but I have never provided XXXX with my email address. On XX/XX/2021 I wrote XXXX requesting validation and a response via U.S Mail. As of today XX/XX/2021 that response has not arrived nor has it complied with my request.
|
| 06/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX was posted on my credit report in XXXX. I have disputed this from various debt collectors and they proceeded to post this debt on my report. I do not owe that debt anymore it has been XXXX years now and they just added it to my report saying that it is a new debt and reported false date as of XX/XX/XXXX. I never owed {$7000.00} to XXXX XXXX the initial debt was {$3000.00} or {$4000.00}, so they are reporting false information on my account.I do not owe this debt anymore because I disputed this plenty of times and it was removed off of my credit report after 30 days and there was no response.
|
| 01/31/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I receive a notification from my credit bureau alerts stating of a change in my credit, upon review of the notification, I was notified that there was a collection being reported against my credit a collection that was reported opened on XXXX XXXX XXXX Reviewing my credit file it looks like the collection agency called consumer adjustments XXXX, purchase a debt from a original collector called XXXX XXXX XXXX, Which I have never conducted any business with.
I will file a police report filing a fraud claim against XXXX XXXX XXXXXXXX and I will submit an added to this report once I get the report.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Consumer Adj CO Original Creditor : XXXX XXXX of XXXX TX XXXX Open Balance : {$1000.00} Acct Opened : XX/XX/2021 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Since XX/XX/2022 I have sent XXXX multiple disputes questioning the certifiable compliance of an account on my Credit report called Consumer Adj, Account # XXXX and XXXX. Both of the original accounts were deleted and then added with all of the same information except the date opened. I continued to dispute sending another compliance dispute letter on XX/XX/2022. I just reviewed my credit report and both accounts have been added yet again with a open date of XX/XX/2022. So now I have the original two Consumer Adj accounts deleted, and two duplicates of each account reporting on my credit report.
|
| 05/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Upon reviewing Consumer Financial Protection Bureau ( CFPB ) Complaint ID XXXX.
I, XXXX XXXX, an federally protected consumer, dated on XX/XX/2022 am aware that this company Consumer Adjustment Company Inc ( CACi ) are in violation of HIPAA. Criminal Penalties for HIPAA Violations, The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}. Restitution may also need to be paid to the victims. I am demanding remedy for each violation. Consumer Adjustment Company Inc ( CACi ) will be held accountable.
|
| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
An online loan was approved with my SS # on XX/XX/18, all the information used was not mine. Info used ... ph # XXXX, email XXXX, state TN. The amount of the loan was {$420.00} a {$75.00} was added for a total {$500.00} now.
XXXX XXXX XXXX # : XXXX, I made a request to have this discrepancy removed seeing that it was fraudulent, but I was directed to XXXX and told to file a report.
I have no documents because this account in collection is not mine, I did not apply for the online loan.
The current collection agency is...
CONSUMER ADJ CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I am requesting validation, my handwritten signature that binds me to the alleged debt. 15 USC 1681 e ( b ) assures that I am due and promised accuracy in my report based on federal law. This is NOT a request for " verification '' or proof of mailing address, but a request for " VALIDATION '' made pursuant to 15 USC 1692g Section 809 ( b ) of the FDCPA. I am requesting to have any/all unverified information be removed promptly after investigation per 15 USC 1681i ( A.5 ).
|
| 10/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report today and there was a major derogatory account noted in the amount of XXXX $ to a Consumer Adjustment Co. and it says its for XXXX XXXX XXXX it says the account was opened on XX/XX/2020, i have not had any interaction with opening any account for medical services on this date and have no idea what this is, I tried calling the number for the CONSUMER ADJUSTMENT CO, and got a voice mail ; their info is CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This hit my credit score and brought it down 60 points and is not even mine!! please help!
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX Original Creditor : XXXX XXXX Open Balance : {$300.00} Acct Opened : XX/XX/2022 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.
|
| 12/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In mid XX/XX/XXXX I paid a debt owed from XXXX XXXX Hospital through XXXX XXXX XXXX. In XX/XX/XXXX I received a collection notice on my credit report from XXXX XXXX XXXX for this debt which I have already paid. I never received a notice by phone or in writing from XXXX XXXX XXXX concerning this debt. On XX/XX/XXXX I saw that the FTC ruled in a judgement against XXXX XXXX XXXX that they are to remove all parked debt from credit reports. This has not happened. In addition, the debt has been moved to Consumer Adjustment Company, Inc. This was done to circumvent the FTC 's ruling.
|
| 09/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I requested documentation on this debt and the original contract with my signature. I was provided a loan agreement with another company and a digital signature. I sent this company a police report that I filed on XX/XX/XXXX along with a copy of the signed affidavit from the FTC. I also alerted this company that this debt did not belong to me and to immediately delete it from my credit report. To date, this company stated that they would place the account with the fraud department but has yet to do so. This debt that I do not own is still being reported on my credit report!
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022 CONSUMER ADJ CO added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA CONSUMER ADJ CO has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
|
| 06/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was notified through my credit report that an organization called Consumer Adjustment Co place a collection account on my credit report for {$5600.00}. I was never notified or contacted regarding the debt. I spoke to rep who confirmed it was XXXX an account that had already been dismissed and settled through the IL courts. My consumer rights were violated as the company failed to contact me regarding the debt and has not furnished any proof that I should pay them money for a settled debt. I will contact legal representation and countersue for providing false information.
|
| 06/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX, Consumer Adjustment Co. reported this account as " collection ''. At this point I had received nothing in writing from this company. On XX/XX/XXXX, I sent a request for validation pursuant to 15 USC 1692g. This letter was sent certified mail and received on XX/XX/XXXX. After consumer Adjustment Co received my request they sent me an offer to settle ( dated XX/XX/XXXX ). On XX/XX/XXXX i received another letter from Consumer Adjustment Co. to this date, I have not received any validation of the debt. Also, Consumer Adjustment Co. is not the original creditor.
|
| 07/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX tried to collect payment for a service that my insurance had already covered ( balance billing ). After numerous discussions, showing proof that my insurance paid them after the network discount, they still turned my account over to a collection agency.
When I explained what happened to that company, they sold my account to another agency. As soon as I informed the current company ( XXXX XXXX CO ) of the situation, they stopped communicating with me and left the debt on my account. This debt has been disputed with proof of insurance payment.
|
| 05/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Consumer Adjustment is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Consumer Adjustment can not provide any proof that I entered any legal contract with them to attempt to collect an alleged debt. Consumer Adjustment has directly violated my rights under FDCPA 15 USC 1692g, and 15 USC 1692f. I have sent Consumer Adjustment letters letting them know that I am requesting them to Cease and Desist from these collection attempts and that I am well within my rights to sue for all violations according to the FDCPA.
|
| 09/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Consumer Adjustment company sent a statement ( attached ) on XX/XX/XXXX that they would remove this account from my credit profile and my complaint was closed. XXXX just alerted me today that Consumer Adjustment Company has verified and updated the information on my profile AND flagged the account as unpaid! ( Also attached ) At this point they are in blatant violation of several FDCPA codes and laws. They should be held liable to pay damages for each violation. They are knowingly lying to save face and reporting harmful information on my credit report.
|
| 01/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I want to report identify fraud as, Consumer Adjustment Company Incorporated, reported an incorrect debt on me.
The account number is XXXX and amount of {$950.00}.
The debt was placed on my credit report on XXXX XXXX XXXX
I was told the loan was taken out in XXXX
I do not take out any loan and this information is incorrect. I dispute these charge.
I called Consumer Adjustment Company Incorporated today on XX/XX/XXXX and they told Id have to file complaint with you all, FTC, to get issues resolved.
I spoke with XXXX XXXX, Collections Manager.
|
| 12/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Consumer Adjustment CO placed an account on my credit report. This item was disputed due to fraud on two previous occasions once in XX/XX/2021 and XX/XX/2021. In addition XXXX removed the item as a result of identity theft now my XXXX Credit Bureau report the identity theft account. The same debt continues to appear after being sold to various agencies. I have provided an original police report surrounding the identity theft. The item was just placed on the XXXX report and as a result of my identity being compromised this item should be removed.
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Consumer Adjustment Company a request to block a fraudulent account that is being reported on my credit report. The request was sent via certified mail recorded delivery.
|
| 06/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Consumer Adjustment Company Inc. ( CACI ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XXXX I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.
|
| 04/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received a notice from this Collections company and on the notice they stated, " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. '' However, this was false and they reported this debt to my credit report. I have attempted to verify this debt as I do not recognize it, however, they have been unresponsive and uncooperative and telling lies on their correspondences.
Attached PDF may require password to access, it is : XXXX
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently challenged the validity of XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXX - XXXX ( Collection ) account and CONSUMER ADJUSTMENT CO ( Original Creditor :XX/XX/XXXXXXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
|
| 09/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I received a notification from XXXX XXXX that CACI has place two Items on my credit report from XXXX XXXX. I don't owe any balance from XXXX XXXX.
CACI has been calling me non-stop at all times of the day, before XXXX and after XXXX. they are using false or misleading information in an effort to collect a debt and attempting to collect debts I do not owed. They said that if I dont response, they are going to take legal action.
I do not know what to do. I feel like my rights are being violated. for this reason I am reaching out to you.
|
| 12/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently checked my credit score and I noticed a account in collections for XXXX, I tried to call the collection and i also tried to file I dispute with the credit Bureaus, they said I would need to file a report with you guys. So when I looked up the original creditor the company name was XXXX XXXX XXXX XXXX XXXX XXXX, I XXXX there company name and all the reviews say this company is issuing debt to people who never even did business with them, I Am XXXX and Im XXXX a XXXX Im trying to grow my credit and this debt is making it harder
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2022 I received a notification from my XXXX app saying that a collection hit my account for XXXX. I have not been to XXXX so I dont understand why XXXX is hitting my credit. I called XXXX and disputed the collection of of my credit. Not only did it drop my credit tremendously but it showed on my account again today. I believe I am a victim of identity fraud. I have reported identity fraud before and this is getting really frustrating. I shouldnt have to worry about my score dropping due to something that does not belong to me.
|
| 07/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a letter regarding inaccurate and unknown things on my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 15 USC 1681 A3, The FCRA permits health service providers and their agents to furnish information relating to medical debt to consumer reporting agencies ( CRA ). However, the Act requires furnishers to encrypt certain details to protect the consumer 's privacy. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
|
| 08/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A delinquent account from Consumer Adjustment Co in the amount of {$570.00} appeared on my XXXX credit report on XX/XX/2020. I had received absolutely no correspondence regarding this debt from the company and have sent them a letter stating such.
I had absolutely no knowledge of this debt and had received absolutely no correspondence until it appeared on my credit report.
I have sent letters to the company but they have been unanswered.
The company is Consumer Adjustment Co XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX
|
| 01/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is a response to the company 's response to my first complaint XXXX. The company CACi seems unable or unwilling to send a document which might validate the account of which it is attempting to collect for " XXXX '' as you call it. I have no idea what this bill is about, what it involves, the circumstances of nor of an itemized statement for the original bill from XXXX. Please send an itemized or otherwise recognizable statement from the original creditor " XXXX '' of which I might compare to one that I might have.
|
| 02/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX put on my credit report a hospital or doctor bill that I never received notification of or a right to dispute the claim that was paid by my insurance. I have notified them to remove from my credit report and to send me a copy or proof of bill to no avail. When I call the rep or agent claims they can't find the account without my date of birth or social which I will not give over the phone but I did give them my address and still they haven't sent me proof of claim or notice or rights to dispute.
|
| 08/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I received an alert that I had a new collection on my credit report. I saw a company name that I was unfamiliar with, consumer adjustment corp. and an original company as XXXX XXXX XXXX XXXX. I have never done business with this company. This just suddenly appeared on my credit report, and I never received a call or letter from this company in reference to this alleged debt they say I owe. I filed disputes online with the credit bureaus but, this company just updated the balance by XXXX dollar.
|
| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/17 a second dispute was completed on a collection showing on my XXXX credit report. The institution that has filed the claim. Is not an accredited business with the XXXX, you can not get any documentation from the company to verify the information. At no time did I enter into any agreement or accept the amount being filed against me. I have no letters, voice mails, missed calls, emails, text etc. to verify they even tried making contact with me prior. Complete fraudulent and false information.
|
| 12/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
The collections account on my credit report from Consumer Adj co ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) in the amount of {$650.00} was posted without my knowledge and is the result of fraud. I have never heard of, nor seen, the original creditor " XXXX XXXX XXXX of XXXX XXXX '' I am in XXXX, I use XXXX XXXX at XXXX facility and have never been anywhere else. I also have detailed driving records for every day over the last 5 years to prove I have never been this this place. It is fraud.
|
| 08/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX asked me what hospital I wanted to go to, I told them, they took me to a different one, they came the next day and picked me up and took me to the original hospital I had asked to go to ,and double billed me. When I received the second Bill I called and asked why I was receiving it and asked why I wasn't taken to it in the first place and was told they probably didn't service or go to that hospital although they picked me up and took me there on the second day while I was groggy.
|
| 01/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an account with XXXX XXXX ' XXXX in XXXX. I fell into financial trouble and hired a company to settle my debts. In XX/XX/XXXX, my debt was settled for {$100.00}. I have a copy of the settlement and check. In XXXX XXXX XXXX XXXX sold my account to a third-party collection agency. It has since been sold to two other agencies. It is now showing up as delinquent payment on my credit report. I tried to dispute the collection and it comes back as valid. I do not know how to get this taken care of.
|
| 03/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A new debt appeared on my credit report by a company Consumer Adjustment Co. I have never engage/approved any account type with this entity. I would like written/documented proof that I approved of this account with wet signature showing I own this account and need original documentation with wet signature showing this entity is the original owner of this debt.
If proof can not be provided this debt must be removed from my credit report along with any negative entries stemming from this claim.
|
| 12/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020 I was notified that a collection had appeared on my equifax credit report reported by Consumer Adjustment Company Account # XXXX balance of XXXX $ I was never notified in writing that this account was placed in collection with this agency, I called to get an account number because I never had that information, The address the have is XXXX XXXX XXXX XXXX XXXX, CA XXXX but I no longer live at that address and if they did contact me there It was never forwarded to my current address.
|
| 05/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
|
| 12/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I paid for my XXXX pass for XXXX day. When I got notified I had an account I canceled the account and went on with my life not knowing they were charging me monthly for a whole year but my card was lost and stolen so I got a new one. Find out my XXXX XXXX dropped very low and seen them on my credit. You can only XXXX the anger and shock. I have a then park ruining my XXXX XXXX. Please help remove all this debt from my credit. XX/XX/2022 - XX/XX/2022 XXXX Ive been disputing the charges.
|
| 05/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, I've sent a certified mail to Consumer Adjustment to validate my debt. I informed the company that there was a 30-day deadline to send a validation mail to the given address in the letter, but no mail was sent after the 30 days. The company stated that I did not send a letter to them. I have in my records the certified receipt of the date that it was mailed to them XXXX XX/XX/2021 ), and the date and time that Consumer Adjustment got the mail delivered XXXX XX/XX/2021 ).
|
| 06/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I XXXX XXXX never enter any consumer credit transaction with Consumer ADJ for them to have my personal information. Pursuant 15 usc 1692 this is infringement upon my consumer right to privacy. By Consumer ADJ obtain my personal information without my consent Consumer ADJ have committed Fraud and Identity Thief. Furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can't do business with other business and banks.
|
| 07/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A collection was placed on my XXXX & XXXX account by a Consumer Adjustment Company Incorporated who has not provided me with a verified debt, original documentation or even provided me with notice that they own the debt. The first I have heard of this company was on my credit report. The Company is stating they are collecting a debt on behalf of XXXX XXXX, but I've only ever own two memberships by XXXX XXXX and both are currently active. ( Please see attached documentation )
|
| 06/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX This written correspondence is in reference to an account listed on my credit report that I did not open, and was opened up fraudulently. The account is identified as XXXX XXXX, with Balance of {$5000.00} USD.
I have requested that the company remove this item from my credit report and disputed the account as fraudulent. CACi the collections company has only increased the balance on my report to now {$5000.00}.
This account was opened as a result of identity theft.
|
| 02/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I originally went to the emergency room for a medical issue. I spoke to the admissions nurse and decided to go to my regular doctor for treatment however the emergency room charged me for treatment that was never administered. They can not verify the condition I had, the doctor who supposedly treated me nor the prognosis for the future, therefore it is impossible that they treated me as they claim or they would know these details because they would be in my patient records.
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) XXXX XXXX XXXX XXXX XXXX- {$300.00} Charge off accounts 2 ) XXXX XXXX/XXXX {$300.00} charge off account 3 ) XXXX XXXX XXXX {$33000.00} late payment account 4 ) XXXX XXXX XXXX XXXX {$520.00} charge - off account 5 ) XXXX XXXX XXXX {$260.00} charge-off account 6 ) CONSUMER ADJUSTMENT CO - {$910.00} collection account
|
| 06/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/2023, I received notification from my credit bureau monitoring services that my credit file for XXXX, XXXX and XXXX was flagged for collection on an account I have never heard of. I never received any notifications of right to dispute by phone or mail.
All the information I have on this collection is what is provided on my credit report.
After investigating this company with XXXX XXXX XXXX they have several complaints regarding frivolous collection attempts.
|
| 01/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have collections in my name on my credit report, that 4 of them had health insurance at that time and the place where I attended did not get to communicate with my insurance, time passed and the insurance was no longer able to pay the bills because their estimated time to send the request to do so passed and they never contacted my health insurance again. and number 5, the amount is {$640.00}. I have proof from my medical insurance that the bill was paid at the time.
|
| 01/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dispute was submitted to collection company on XX/XX/2020 for outstanding balance {$280.00}. XXXX XXXX has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance of {$1800.00}. Consumer Adjustment CO has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance $ XXXX.XXXX XXXX XXXX has failed to respond. These charges are fraudulent, I am a victim of identity theft.
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX Illinois XXXX This bill has been fully paid by XXXX of Texas.
I have verified all information plus I have the pay statement from XXXX. Blessing hospital has called to reverse off of collection but Consumer Adjustment Company the collection agency XXXX will not cooperate with me to remove it. I have disputed this 3 times since it has been paid in full and they will not cooperate with me. All im asking from them is to remove this paid debt from my credit
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company has violated my consumer rights by sharing medical information on my credit report. 15 usc 1681a ( 3 ) ( a ) ( b ) ( c ) clearly states that medical information should NOT be shared on my credit report. I lost my wife year and I have been having a hard time trying to move out of the house that we shared together, however, I am force to stay with the memories. I will be reaching out stating my demands if this is not removed my my credit report immediately.
|
| 03/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it
|
| 07/21/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a debt on my credit report reporting as opened on XXXX XXXX and reporting a new balance on behalf XXXX that was closed XX/XX/XXXX from Consumer Adj Co.
This debt is not owed, in fact this debt was closed because I sent Net Credit an FTC packet along with police report showing Identity theft in XXXX to XXXX to which I was told that this account would not be a problem again. I have not since opened an account with Net Credit, Certainly not in XX/XX/XXXX 2023
|
| 05/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
The original creditor ; The XXXX XXXX XXXX transferred and account to Consumer Adjustment Company. The account was disputed back in 2018 with the original creditor due to identity theft. My Information was stolen during the XXXX data breach and it was resolved and removed from my credit but now the debt buyer has reported the account on my report. I have not received any proof of debt which includes the original application of such credit card with my signature.
|
| 10/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never opened an account with XXXX XXXX XXXX XXXX. I have knowledge of this account or how they accessed my billing information or social security number. This account plain and simply is not mine. Nor should it be registered to XXXX XXXX as I have NEVER opened an account under my name with said company. Please investigate that identity theft may have occurred here!!! I also want proof that I opened this account. Please remove this from my credit report.
|
| 09/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
XXXX MADE A FRADULENT LOAN IN MY NAME IN XX/XX/2023, CHARGED THE LOAN OFF, THEN SENT TO COLLECTIONS WITH CONSUMER ADJUSTMENT COMPANY. I DIDN'T KNOW THIS FRADULENT LOAN EXISTED, UNTIL I CHECKED MY CREDIT REPORT. I DISPUTED ACCT THRU XXXX IN XX/XX/2023, AND RECEIVED FEEDBACK THAT ACCT IS ALLEGEDLY VALID. I HAVE NEVER APPLIED FOR, OR EVER RECEIVED ANY FUNDS FROM XXXX. XXXX REFUSED TO EXPLAIN OR DISCLOSE CREDIBLE PROOF THAT THE {$2600.00} BOGUS LOAN IS MY DEBT.
|
| 12/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Consumer Adjustment Co added 4 collections to my credit report XX/XX/2018. An account duplication was also noted when reviewing my credit notifications. All debt with XXXX XXXX XXXX XXXX and Hospital are paid in full as of XX/XX/2018. This can be proven with receipts, or by contacting XXXX XXXX XXXX XXXX or Hospital. I already contacted them, they stated all debts are paid in full. These collections need removed. A dispute has been filed as of XX/XX/2018.
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Disputed debt that is being reported to bureaus as inaccurate and requested to validation from bureau and company, company have not sent any sent anything that validates this debt is mine, I have never done any business with the company and nor am I aware of amount they saying is owed. Ask for more verification from them and bureau and its still being reported incorrect and investigation from bureau responding once as verified and that is not correct.
|
| 10/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I have never heard of the Consumer Adjustment company and have no idea of the debt that has been reported. Ive never been notified or contacted and his company has violated my HIPPA and Consumer rights by reporting false information that has not been verified by me. They have reported false information to the credit bureaus. This is not my debt so please delete from my credit report because you are hurting my score and its negatively impacting.
|
| 01/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I resolved the initial debt through a debt consolidation company back in XXXX. There was a zero balance showing on my credit report in XXXX. I do NOT owe anything to this new company who did not contact me directly and put my account into collections by reporting to all 3 credit bureaus on XX/XX/XXXX.
I do NOT know this collection agency. They did not send me anything and I contest owing anything. Since XXXX I have had zero CONTACT with anyone.
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I got an alert that there was a " check by phone '' loan opened in my name in 2017. I disputed this with the creditor and with the credit reporting agency.
ACCT NO. : XXXX ACCT BALANCE : {$360.00} ( this is with interest included ) ORIGINAL BALANCE : {$300.00} This was NOT me, I had a slew of loans and accounts opened in my name around the time of this happening. My email was hacked as well as my bank accounts. I have reported this previously.
|
| 11/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX of XXXX, my wife has recieved several calls from this Agency trying to obtain my information and contact me ... once they were able to reach me, they said I had to repay the debt or portion of it or they'll report it to my credit bureaus in which they have and that itll go to legal actions... I told them I have no knowledge of the company... the original creditor from my XXXX in XXXX has not ever contacted me regarding the debt...
|
| 03/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt is from Consumer Adj Co original creditor shows white water for {$110.00}. Ive sent multiple letters over the past few months for debt validation and no response. Ive reached out to all three credit bureaus to validate and no response from the credit bureaus either. This debt is tremendously affecting my credit and I would like it removed. I have no knowledge of this debt and would not like this to continue to report to my credit report.
|
| 01/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
complaint id XXXX CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX collection company for the following!
Orignally on my credit report XX/XX/2020, as XXXX XXXX XXXX.
Now on my report as : XXXX XXXX XXXX {$960.00} same amount and account number!
I have certified mailed, a identitytheft.gov report to all involved. Your investigation, they have said there isn't activity. Which is false. Still on my credit report
|
| 06/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I submitted a previous complaint against this company on XX/XX/25. Received the response back via your website stating that they would delete and notify all three bureaus to also delete the negative information. Yet today I have receive a notification from XXXX stating the the company added more negative information to the bureau about these two accounts not deleted as they stated in the complaint or in the letter I received from them.
|
| 07/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Consumer Adj Co has continued to report an alleged collection account to the credit reporting agencies ( XXXX, XXXX, XXXX ) without a DOFD ( Date of First Delinquency ). I disputed the validity of the debt and the lack of a DOFD several times ( XX/XX/22 XX/XX/22 ), but XXXX continues to claim the validity of the debt without providing the DOFD. This give the erroneous impression that I have recently and knowingly defaulted on a debt.
|
| 07/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Consumer Adjustment Company showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe on act # XXXX with XXXX XXXX XXXX XXXX I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
|
| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have been dealing with this check and go collections for years this account has been paid in full i have submitted all the proof i have filed two complaints with you on XX/XX/2023 and it was resolved now the same collections is showing up again with a different collection 's agency - shouldn't XXXX know that it's already been resolved this is ridiculous - Can you please help me resolve this again.
prior complaints- XXXX and XXXX
|
| 11/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
|
| 12/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX & XXXX I disputed these 2 accounts that this creditor has placed on my XXXX credit file on numerous occasions & XXXX has sent me mail stating that the accounts were verified. Also I reached out to the creditor via USPS Certified mail asking them to validate the debt that they claim I owe them. I also keep getting alerts of them re-aging the date that the accounts in question were opened which is a serious FCRA violation.
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
|
| 04/29/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.
|
| 04/29/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.
|
| 05/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I submitted a dispute and letter requesting to validate this debt to CACI on XX/XX/23 and have not received the requested response to my dispute. I filed a complaint to CFPB also on XX/XX/23 against CACI, and in their response the company stated I had an open dispute with them. It is over 30 days and I am requesting that they delete this collection account from all 3 credit bureaus as they have not provided validation.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Consumer Adjustment Co fraud entry reported a debt on my credit bureaus stating I opened an account they bought from Personify XX/XX/2023 as to start the statue of limitations over. This has negatively impacted my mortgage loan that I was in the process of receiving. I disputed this debt with all 3 major credit bureaus as this is a violation of the FDCPA False, Deceptive or Misleading Representation as well as Fraud.
|
| 06/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX of 2023, The CONSUMER ADJ CO, who I've never heard of before, furnished private information about my credit without my written consent. This is in clear violation of fair credit reporting regulations as I was never notified by the company of my right to dispute this claim, nor was I given the right to opt out of sharing my information with nonaffiliated third parties, pursuant to 15 U.S.C. 6802 ( b ).
|
| 02/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Back In 2020, my vehicle was stolen at XXXX XXXX. Inside of my vehicle there was alot of paperwork with all my information that was stolen from vehicle. I have no knowledge of this account and it is identity theft. I have requested for this account to be removed from my account on several occasions but the creditor is refusing to remove it even though they have to evidence to prove that this account belongs to me.
|
| 06/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I keep getting calls from CACi regarding a a payday loan that is over 7 years old. I have paid all my payday loans and have not used payday loans in over 7 years. It keeps showing on my credit report with incorrect dates and they keep calling me even though I have informed them that all my payday loans have been paid and they are trying to collect on something that one, doesn't exist and two, is over 7 years old.
|
| 04/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report.
Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
|
| 12/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Consumer Adjustment Co has placed a collection on my credit report after purchasing this fraudulent account from XXXX. I have already explained to XXXX and the credit bureaus that this account is not mine and is a result of Identity theft. I am once again attaching my police report to this complaint as proof that this account does not belong to me. Please remove this from my credit report as soon as possible.
|
| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I requested a thorough investigation on this account. The company sent a generic statement that does not provide any proof that I owe this debt. The statement has an address that is foreign to me and dates back to 2017. I am requesting that this company Consumer adjustment company provide the original contract with my signature for this debt as they have refused to stop reporting the debt that I do not owe.
|
| 01/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In accordance with the fair Credit Reporting act XXXX XXXX has violated my rights.
! 5 U.S.C 1681 section 602 A states i have the right to privacy.
15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 03/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern : I recently quested from the collection agency and credit reporting agencies, to remove this collection off my credit report. I have wrote numerous letters asking for verification of this account and still I have not received it. I really need your help with this situation. I have asked them to send me documents bearing my signature and they have don't done so.
Thank you XXXX XXXX
|
| 04/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
While reviewing my credit report I noticed a new collection account was added. The collection company seems to be called Consumer Adjustment Company with an original creditor XXXX XXXX. I never received any communication from XXXX XXXX XXXX and I was never afforded my right to request for debt verification or to dispute the account or it's charges in violation with the Fair Debt Collection Practices Act.
|
| 06/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company has been scamming multiple people, all you have to do is XXXX Consumer Adjustment Co and read the reviews. They have made my first time home buying process a nightmare with their scamming lies. They are claiming that I owe the thousands of dollars that are identical to one another that appeared out of thin air. I need them to be held accountable to what they are doing to hard working people.
|
| 11/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
They reported something into collections in XX/XX/XXXX that was paid off years ago. I even called the debtor and they said there was a mistake, that I had overpaid and the collection would be removed. They mailed me a letter confirming I had overpaid and there was nothing due. But the damage was already done, my score dropped over 100 points and five months later the collection is still on my report.
|
| 08/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
posted debt on to all credit bureaus, without providing me with the original documentation. The Fair credit act allows me to request the documentation to verify and validate. I requested this at the beginning of XXXX 2022, which is over the 30 day mark. I have rights that I have not received with this issue. Also, in California any credit related debt after 3 years can not be collected it is a law.
|
| 04/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is a over reach by XXXX XXXX XXXX to over charge My health insurance paid adjustments were made I contacted this Company to dispute and verify make adjustments never explained in writing to justify this charge was not made considering XXXX XXXX XXXX XXXX Charged {$10000.00} for two hour visit released went home.This Corporation has hade a history to over charge/ over reach against its patience
|
| 10/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently lost my wallet this spring with all of my personal information included. This debt collection appeared on my credit in XXXX, but was opened in XXXX. The address of where the collection is from is XXXX XXXX XXXX XXXX, XXXX XXXX, Missouri. Phone # is XXXX. When I looked up this address, it did not match the one listed here. I have never been in Missouri and none of the information is mine.
|
| 03/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
The collection agency identified as CACI has already had right party contact with me and has verified the best phone number to contact me on. Since then they have contacted my family and requested location information as well as my employer. My complaint is that they have already had right party contact and should have no need to contact third parties for location information they already have.
|
| 07/12/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Received a collection notice from Consumer adjustment Company, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX.
Responded to collector via US mail that I am not familiar with this debt and the debt is not mine.
Requested verification of the debt be sent to me, no response from collection agency.
Collection agency put a collection notice on my XXXX credit report without verifying the debt.
|
| 05/17/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| 11/17/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have already filed a dispute with Consumer Adjustment through XXXX XXXX. My dispute is that I don't have knowledge of this account nor have a contract with this company. They state that because the address is the same, it's my account.
I will restate, I have never had an account with Consumer Adjustment. I would like to see a signed and dated contract since they say I do owe them money.
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX Consumer Adjustment Company added negative remarks on my credit report from XXXX dropping my score XXXX points. I have never had an account with XXXX or Consumer Adjustment Company. I have never received a call nor letter from either Consumer Adjustment Company or XXXX. It shows this account was opened on XX/XX/XXXX and has a balance of {$2900.00} This is not my account.
|
| 10/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a debt collection harassments notice from some company called CACI. This is an ongoing problem from 2019 when my identity was compromised. They purported debt in question does not belong to me and it keeps going to debt collection agency to debt collection agency. This is not my debt and I've disputed it time and again with different companies, this one is just the latest.
|
| 02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a text message to my cell phone from a company called CACi saying that they are a debt collector. They want me to reply to receive my account information which I don't want to do in case it's a scammer. I think that if a debt collector is using a method of texting people instead of sending letters or calling them, they may be in violation of the FDCPA as it's harassing.
|
| 08/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from XXXX XXXX as mine but I haven't received any information to verify the validity of the debt to be mine, had any contact me via mail or had the right to dispute. Please supply the information below so that I can be fully informed.
|
| 02/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have debt collector by the name of consumer adjusting company ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX, that has been sending me collection notices in the amount of XXXX. This collection has been reported pass due. I am very certain I have never did business with this company and also this company has no signature of mines agreeing to pay them anything
|
| 07/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a collection on my credit report for Consumer Adjustment Co for {$490.00}. However, I have not received a written notification of this debt. I've contacted the original creditor that's on the report, XXXX XXXX XXXX XXXX XXXX, and they have not heard of Consumer Adjustment Co. This appears to be fraudulent, and I want this removed from all 3 credit bureaus immediately.
|
| 09/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This bill is in collections for an ambulance ride. I have medical insurance that was given to the original company AND the collection company however the collection company said they can not submit to insurance. I do not owe this debt because I have medical insurance to pay for it. I disputed it on my credit, they just updated it so now it would be on my credit even longer.
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A new item appeared on my credit report, so I called the debt collector on XXXX XXXXXXXX XXXX at approximately XXXX : XXXX eastern standard time listed number on the credit report. They had no information to give me concerning the debt, they could not verify the date of service or that I in fact actually received any services or products that would oblige me to any debt.
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim of Consumer Adjustment Co. has failed to provide validation for a debt they submitted to the Credit Reporting Agencies. Additionally, they did not provide me with a 30 day notice. Consumer Adjustment Co.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX XXXX
|
| 02/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Im a victim of identity theft that has been ongoing for several years. I submitted my ID theft report and police report via disputing with credit bureau. The company refuses to remove the account. I have never been seen by a physician in XXXX Florida. Also, I have health insurance through Medicare and Medicaid. If I had been seen by a physician, I wouldnt owe a bill.
|
| 02/18/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX account amount of {$360.00} opened XX/XX/21 I did not open this account and made them aware when It was brought to my attention upon applying for a mortgage, they did not notify me properly, and refuse to delete even though this account is fraud. I paid it due to it hindering me from buying a mortgage, I need this removed and deleted per the fair lending laws.
|
| 05/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I RECENTLY DISPUTED CONSUMER ADJUSTMENT CO EARLIER THIS YEAR ABOUT A COLLECTION THAT THEY CLAIM THAT I DID OWE. IN RESULT OF THE DISPUTE THEY COULD NOT PROVIDE ME WITH VALID INFORMATION CLAIMING THAT I OWE THEM THE DEBT.
CONSUMER ADJUSTMENT CO XXXX {$620.00} I WOULD LIKE THIS COMPANY TO PROVIDE ME A COPY WITH MY SIGNATURE OF THE ORIGINAL DEBT AND THE RIGHT AMOUNT.
|
| 07/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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The company CACi is trying to collect without proving I owe debt. It belongs to someone with similar name. Not my debt and I will NEVER pay it. They havent showed proof they can collect in Texas and they didnt give me a full 30 days to dispute before they placed it on my credit! They are violating my rights! I was affected by the natural disaster COVID 19 too.
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Old XXXX XXXX credit card, a limit of XXXX and it was misused by XXXX so I closed the account voluntary and it will not remove intentionally from XXXX in an attempt to get me to purchase their monitoring services. I dispute the items along with cred adj company a third party I never conducted business with.in which it is fraud and violates fair credit rep
|
| 03/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted consumer adjustment company involving a debt that they claim I owe that was taken In my name without my approval authorization and or knowledge I have sent over the required documents requested to dispute this item as fraud. The company removed the items from my XXXX and XXXX and however has failed to remove the item from my XXXX report.
|
| 05/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
I have requested validation { not Verification } of an item reported to XXXX by CACi. I have received a response that clearly violates my rights according to HIPAA.
CACi did not provide me with a HIPAA release sign release form that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights
|
| 05/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| 07/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am in the process of buying a home. I received a notification XX/XX/XXXX stating that I owed a debt amount of {$830.00} to CONSUMER ADJ CO. I do not nor have I ever had a loan with this company. I do believe this is identity theft. I never received any correspondence from this company as they alleged. I reported this unknown account to the complaint.
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/23 I received an alert on my XXXXXXXX XXXX app about a collections account in the amount of {$3900.00}. I've never received any information from this company asking to verify/validate the debt that they assumed from another company. I've never even heard of this company till this alert. This has caused my credit score to drop tremendously.
|
| 11/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
The company calls or texts repeatedly. They are also using my cell number to contact me which is against TCPA compliancy. They have never asked for permission nor do they have permission. They have also texted me numerous times without my consent. Attached are some of the texts/calls I could recover. They have been unable to verify the debt as well.
|
| 04/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX was canceled it was for my niece once she was unable to go I canceled and then this appeared on my credit report. They also illegally obtained my social security number because I didnt give it when I signed up for my niece we were both actually underage at the time I was XXXX and she was about XXXX or XXXX.
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 08/17/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2023 a new collection was added to my credit report by Consumer Adjustment Company Inc. for {$400.00}. They claim that I opened the account in XXXX, 2023.
They did not attempt to contact me prior to reporting it. I have no knowledge of this debt. I disputed it XXXX week ago with the credit bureau but they claim it was verified.
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.
|
| 03/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2020 Consumer Adjustment Co {$1300.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.
|
| 11/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via 58-70-1. Permit from Commissioner of Insurance ; penalty for violation ; exception.
|
| 01/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have tried disputing this charge because I have no knowledge of this bill whatsoever. The company name is CONSUMER ADJUSTMENT CO. Saying that I owe almost {$2000.00} and won't take it off my credit report. There contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I've tried calling and no one will call me back.
|
| 10/17/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I checked my credit report on XXXX XXXX and have a new collection for 4 {$4000.00} from a collection agency named consumer adj Co on behalf of XXXX. While I took out a pay day advance loan from XXXX in the past, it was paid and for about {$300.00}. There is no way I owe then {$4000.00} and this made my credit go down XXXX points.
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
So in the last review it was mentioned that their was no show of me being underaged I will provide proof XXXX 2020 I was XXXX. Might I add the subscription was cancelled over the phone with XXXX XXXX Also it was no reason to keep a amusement park membership on a global pandemic. I would also like a contract with my wet signature.
|
| 11/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
CONSUMER ADJUSTEMENT CO. ORIGINAL CREDITOR IS XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) THERE ARE 2 SEPARATE COLLECTIONS ON MY CREDIT FROM THE SAME CREDITOR I TRIED TO CONTACT/DISPUTE THAT DID NOT HELP AT ALL COLLECTION WAS REMOVED AT ONE POINT AND CAME BACK ON MY CREDIT WHICH IS RIDICULOUS.
NEVER RECEIVE ANY FORM OF CONTACT FROM THEM
|
| 05/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Consumer Adjustments Company reported to the credit bureau that I opened an account on XXXX, XXXX, 2023 for {$1600.00} with them.. I did not open an account with them nor any company call XXXX XXXX on XX/XX/2023...
This account on my credit file has dropped my score I tried disputing with the credit bureau and still no success
|
| 12/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I require this debt to be validated that it belongs to me under the Fair Debt collection Practices Act. I have the right to request validation. I want in writing any proof that I am the party owing the debt, any EOB and statements proving the debt is mine. If not provided within 30 Days please remove from my credit immediately.
|
| 10/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There was a net credit account on my credit report from XXXX. This was from a divorce and was resolved and the balance was roughly XXXX. In XX/XX/XXXX, I had a new account added to my credit for {$2700.00} for XXXX XXXX for net credit. This account is not mine and is for a completely different amount from the previous account.
|
| 03/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Consumer ADJ Co showed up on my credit reports with an account submitted by XXXX XXXX. The dates show the account was established while I was a minor and I couldnt access the knowledge of this information until I turned XXXX and it was reported already. I had no way of getting credit as a minor without my parents permission.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
A collection was placed on my account by a company who has not provided me with a verified debt, original documentation or even provided me with notice that they own the debt. The first I have heard of this company was on my credit report. The company did not provide me with a notification and adequate 14 day response time.
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX Report Number : XXXX Date Generated : XX/XX/2023 Collection Company : CONSUMER ADJUSTMENT CO Amount Owed : {$350.00} I am not liable for this debt with XXXX XXXX XXXX I do not have a contract with Consumer Adjustment CO. Neither XXXX nor Consumer Adjustment Co has provided me with the original contract as I requested.
|
| 03/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a debt collection report to my credit report that I do not authorize I would like to get it remove from all 3 credit bureaus immediately it do not belong to me Agency name : CONSUMER ADJUSTMENT CO Amount : {$1100.00} Account Info Account number XXXX Contact & address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
|
| 08/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
The company XXXX XXXX XXXX ) and third party debt collectors ( Consumer Adjustment Company ) have harassed me and threatened to get me fired from my employer and ruin my credit if I do not pay them different amounts of money. I stopped contact with them and now they have reported incorrect information on my credit report.
|
| 03/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I owe XXXXXXXX XXXX {$1200.00} because of unpaid membership fees, even though I attempted multiple times to cancel. They told me I could not cancel, they will still charge my card and threatened me saying if I dont pay my credit will be destroyed and once collection comes after me theres nothing they can do to help me.
|
| 07/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act CONSUMER ADJUSTMENT CO Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
As of XXXX XXXX, 2021, I have a collection account listed on my credit reports by a debt collection agency, Consumer Adjustment Company Inc., collecting on behalf of XXXX. Consumer Adjustment Company Inc. ( CACi ) is not licensed to collect in the state of Michigan and therefore I am disputing this collection account.
|
| 10/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A {$79.00} dollar debt was placed on my credit profile however, I was not given any information regarding this debt nor was I ever admitted to this hospital. This information is false. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge.
|
| 09/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Consumer Adjustment Company has a collection on my credit report for {$160.00}. I have not taken out any debt in this amount and I am not allowed to get loans from XXXX XXXX so I called them and they said they dont have this record under my matching information and it is not even the right birthday. Wrong XXXX XXXX
|
| 02/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
On the XXXX on XXXX I told them to stop calling me every day and just to send whatever information to my house.
They did not.
And have continued to call me most days XXXX XXXX XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am
|
| 11/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection was placed on my credit report. Contacted reporting agencies to dispute information. Sent a debt validation directly to the reporting agency but no response. Reporting agencies did not resolve the issue. I was a victim of identity theft within the last 7 years and this might have been a residual effect.
|
| 11/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company consumer XXXX co Just put something on my credit out of the blue I have no idea who this company is. Ive never done any business with them or received any documentatikn from them in the mail. I never entered into any agreement with them in his collection accounts negatively impacting my credit score.
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 07/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act Consumer ADJ CO Acct # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 07/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was a result of identity theft but I was unable to dispute it as both XXXX and XXXX verified it as accurate. The debt was then paid through a collection agency in XX/XX/XXXX, as of XX/XX/XXXX the debt is now back on my credit report under a new collection agency even though it was paid in full.
|
| 03/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been dealing with Identity theft for a few years and even have fraud alerts on all of my credit reports. I now have new medical bills with a medical facility that I've never been to. They were both report as collections on credit in XX/XX/2021. One is for {$330.00} and the other is for {$1000.00}.
|
| 11/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reached out to the credit bureaus about this particular debt and its been over 30 days and they havent responded. They have yet to show me proof that I owe anything. They have 7-14 days to respond and show me proof. If they cant verify that the debt is in fact mines, it needs to be deleted immediately.
|
| 08/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
For over 8 years this company has produced false information concerning the original date of this transaction and has threatened my credit and financial security. The latest tactics are changing the date to XX/XX/XXXX to keep my credit in jeopardy with XXXX, XXXX and XXXX for the amount of {$2400.00}.
|
| 01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
|
| 10/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
They never sent me a letter to acknowledge they were taking over a debt, never attempted to contact me to try to settle the debt. No letters. No calls. Nothing. Just hit my credit for 2 months and counting. I disputed my credit report because they are supposed to notify me but no action was taken.
|
| 12/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account # XXXX shows a past due amount of {$330.00} however, I have never had an account or relationship with this company that is being reported. I am unaware of this company and past due balance. And as a result I need for this account to be removed immediately or I plan to take further action.
|
| 02/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I saw a collection on all 3 credit bureaus on my report from CONSUMER ADJUSTMENT for {$550.00}. I did not get any type of letter from CONSUMER ADJUSTMENT letting me know that they own the collection I never got any correspondence from them stating that I owed the money or was aware of this debt.
|
| 02/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2022 I reached out to Consumer Adjustment about a debt that they claim that I owe which doesn't belong to me. I do not have a contract with this company and I reached out to them for evidence for a contract that I supposedly have with them in which they have not reached back out to me.
|
| 07/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I reported fraud to my bank from multiple trips we had taken over the last 3 years and my debit/credit cards have been compromised. Ive tried numerous times to let them know Im dealing with fraud and the account is not mine I have no knowledge of it and have tried multiple times to dispute it.
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was subject to identity theft fraud. This account is fraud. I have never had an account with XXXX XXXX XXXX XXXX. Please remove this collection item dated XX/XX/2021 from my XXXX Credit Report. Please remove this from my report within the timeframe of XXXX days in accordance with the FDCPA.
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have called and emailed this company and they cant find an account for me. This is not my account I didnt open it. They also keep increasing my balance XXXX dollar and my score drop 40 points each time.
This is the email I received from the company verification that it is not under my name.
|
| 04/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt that has been sent to collections has another persons name, and it also has my name and a different date of birth ( which is not my birthday ). I will attach documents showing this debt collection that does not belong to me. This is my 3 rd attempt trying to resolve this matter.
|
| 04/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt that has been sent to collections has another persons name, and it also has my name and a different date of birth ( which is not my birthday ). I will attach documents showing this debt collection that does not belong to me. This is my 3 rd attempt trying to resolve this matter.
|
| 03/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
|
| 08/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Consumer adjustment placed a collection on my credit report for a XXXX XXXX XXXX. I have no knowledge of this debt and have disputed and requested validation which they have not provided. XXXX and XXXX also have not investigated this when I disputed it and report it accurate 1 day later.
|
| 12/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I wrote the company dispute letter asking them to validate and verify the amount of {$600.00}. They are claiming I still owe them. Consumer Adjustment Co failed to validate the competent evidence bearing my signature.Showing that I have ( or ever had ) some contractual obligation to pay.
|
| 07/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
They call daily starting early in the morning. They have called up to four times per day from multiple numbers. When I call back they will not say who they are. When I search the number online it comes back as Consumer Adjustment Incorporated. XXXX of the numbers used are XXXX and XXXX.
|
| 06/24/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I seen a collection on my credit report to a company that I did not use since XXXX and shows all paid. And now I have an acct showing on my credit report from XX/XX/XXXX which I did not open. I have tried to dispute but I don't see any changes or explanation on the report from results.
|
| 04/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Consumer Adj. Co. reported a debt on my credit report without informing me of the debt. I did not received an initial notice giving me the option to dispute the debt. I requested verification of the debt as well as assignment or bill of sale and I did not received anything from them.
|
| 12/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This account shows up on my credit report. I have not received a call, email or letter from them. Ive written them asking for validation over 30 days ago and I have not received a response and they have not removed themselves. It is currently in dispute with my credit company as well
|
| 08/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
They are saying they validated debt without a physical signature. They are validating my rights per the FCRA. They said they satisfied the applicable requirements but they did not they did not provide a agreement with a physical signature, there is no signature on any the agreements.
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I respectfully disputed on ( XX/XX/2020 ) for items on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation has taken well over 30 days and no proof of contact have been provided to me.
|
| 11/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is reporting illegal information on my credit report I contacted them 30days ago got no response. also under the hipaa privacy act they can't have access to my personal medical records that's against the law and they can't provide me with information about this.
|
| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company has never sent me a bill of verification of debt. I have disputed on my credit report but the bureau has not properly investigated. I have not taken a loan by phone out nor do I believe to owe this debt. I have also filed this with the federal trade commission.
|
| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I have been disputing the late payments showing on my account for Consumer ADJ which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX and XXXX are reporting that CONSUMER ADJUSTMENT is attempting to collect an alleged debt of XXXX $ .CONSUMER ADJUSTMENT does not have a license to collect a debt in Illinois , hence making this an illegal report. I would like this removed from my account immediately.
|
| 01/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The assumed account was placed on my credit report from consumer adjustment co. The original creditor is XXXX XXXX XXXX XXXX XXXX. It was placed on my report on XX/XX/2021. I have no knowledge of this at all. I've had my identity compromised and had to file police report.
|
| 05/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX sent my subscription. To collections after I paid my annual fees and was only subscribed for a year. I didn't even use it but once or twice. But the issue is my email account, my debt card and my phone were all stolen. So that account was compromised.
|
| 04/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Caci debt collector from XXXX XXXX sent me a letter out if thr blue threatening to sue me for medical bills from XXXX of XXXX. I am already paying on a hospital bill and am un aware of this debt. I am also under the impression they can not threaten or harass by suing.
|
| 10/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.
|
| 05/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This is account advises that I opened XX/XX/2023. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/2023.
|
| 06/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results.
Incorrect Items : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
|
| 10/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt does not belong to me and is a result of identity theft. I do not know who this company is. This company is reporting on my credit report. I have submitted an identity theft report and they still have not removed the account from my credit report.
|
| 12/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because two debts that are not mine is reporting to this unknown address.
|
| 08/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Filed fraud report as well as a police report with original creditor. This is the 2nd attempt with a new debt collector, which has resulted in lowering my credit score again. This company is in violation of Title VI of the Consumer Credit Protection Act.
|
| 04/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I had a payday loan from XXXX years ago show up recently on my credit report, This is the first time and it took XXXX years to show up, but says the account was opened last month It only shows up on my XXXX, XXXX opened XXXX on XXXX and XXXX closed it
|
| 02/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I never applied for a pay day loan this loan was opened XX/XX/2022 .My formal spouse had used my information to opened a pay day loan and the only reason I found out was through my credit account I dont want my credit affected by something I did not do
|
| 07/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 06/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 12/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I believed this was a car accident when I was in the XXXX and I advised many times that Im not responsible for the bill and why is this on my credit report when the person responible insurance company was billed and its their responsible.
|
| 12/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a notification about a collection being placed on my account from a debt collection agency on XX/XX/20 in the amount of XXXX. I have not been contacted by anyone nor have I received any information in relation to any debt owed.
|
| 08/17/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
One day this account appeared on my credit report. I never received any communication from Consumer Adjustment company. This was my 1st time hearing from this company. I should had received a debt verification letter giving me rights.
|
| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with CONSUMER ADJUSTMENT CO plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$2400.00}
|
| 09/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX membership was taken out using my SS number. contacted collection agency who instructed me to submit through federal trade commission website.
a few months ago, my identity information was stolen along with my vehicle.
|
| 05/09/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
CAC sent a fax to my employer for verification of my employment after only attempting to contact me 1 time. There are no judgments on file against me in the court system as of XXXX XXXX, 2016 and the fax was sent XXXX XXXX, 2016.
|
| 11/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Consumer adjustment has not resolved this matter. They put my account in dispute status 3 months ago but never furnished any proof of the debt. I do not owe this debt to my knowledge and have also filed a ftc claim against them.
|
| 09/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with Consumer Adjustment Company Inc./CACi. They did not provide me with the orginial application like I asked and refuse to validate this debt.
|
| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. Consumer adjustmentXXXX XXXX XXXX XXXX for {$310.00}.
|
| 12/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX They say something about Costumer Adj Co. XXXX XXXX XXXX XXXX I dont even no what that is why is this on my credit I never had any activity on XX/XX/ in my history I haven't been to any hospital this year.
|
| 08/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the debt collection agency various times to get an itemized bill and they have not been responsive or have mailed me any type of notice as to why the bill has gone up from the original amount owed.
|
| 12/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have never done business with this company ( Consumer Adjustment Co ). I do not have any contracts with this company. I have the right to demand to see a signed contract between myself and Consumer Adjustment Co
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have never lived in XXXX addresses .. but instead with friends and had my email, while out of the areas my mail was forwarded to the addresses. Since I can not send addresses, how do eliminate from my profile?
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I received a notification that there was a delinquent account added to my credit report that is not mine from CONSUMER ADJ CO- XXXX. I have no record of this account and it is fraudulent. XXXX shows {$760.00}.
|
| 08/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
CACI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO. XXXX.
Has refused to send me debt verification.
I have ask. I will be going to small claims court. According to the fair credit I am entitled to compensation.
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
I live in XXXX this company isnt licensed in my state the company name is Consumer Adjustment, phone number for XXXX XXXXXXXX press 2. They are not licensed in my state plus the statue of limitations is up
|
| 02/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
These attachments show up on my credit report. I have disputed all of them. Im presently in Bankruptcy Chapter XXXX Plan and have been since XX/XX/2016. These creditors were listed in my Bankruptcy Plan.
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently checked my credit report for the first time in a couple of years because I need to get a new lease and seen these unauthorized accounts. Please fix this issue and remove them from my account.
|
| 09/21/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a medical collection on my credit reports. I do not recall ever going to XXXX XXXX XXXX. I want this medical collection removed from my report. I 'm getting denied credit and is because of this.
|
| 10/17/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Consumer Adjustment Co bought an old payday loan that had already been on my credit report & paid off over a year ago & theyre REPORTING IT AS NEW & ruining my credit when Im looking for an apartment.
|
| 05/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX Balance owed {$3400.00}. Tried reaching out to the company to inquire further information. I have no knowledge of this company and maintain help insurance.
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, Today - I checked my report and to my horror I saw a entry from consumer adjustment company. This is not my account. Nor has it been verified as mine. It list without dates. And my signature.
|
| 01/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$1100.00}.
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt from this medical facility should have been covered due to the fact of during these times I had XXXX and XXXX which shouldve covered for this charge and I should have not been charged.
|
| 07/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have provided updated information regarding this false account on my credit report that this debt collector requested. I'm aware that this is all that's needed to process this false account.
|
| 05/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The following collection agency has damaged my credit reports with false claims that I owe them. I have never signed a contract with this company agreeing to pay a debt. CONSUMER ADJUSTMENT CO
|
| 12/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt and I have sent three letters requesting verification of my signature and agreement or to have it remove off all of my credit reports. I never receive a response from them.
|
| 08/30/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Company refuses to take fraudulent information down and has been harassing me with nonstop phone calls after already agreeing to remove fraudulent information. Legal action has been taken.
|
| 03/25/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Consumer Adjuster says that i owed XXXX and this is already paid out and they are trying to extort more money out of me even though i dont have it so please do something about this matter.
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information that should be on the report is missing
|
|
Web |
|
|
This is fraud company because I am not taking loan on this company and XXXX amount in my account to be paid to saying this this is my education loan also not giving money of bank manager
|
| 07/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Account opened fraudulent in my name trying resolved problems. With this company is violet my right because post in my credit report information no correct ignored my police report send
|
| 07/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Consumer Adjustment Company , XXXX illegally re-aged an old debt that is past the statue of limitations and has failed to provide paperwork to validate the alleged account and/or debt.
|
| 03/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Company in question ( XXXX XXXX ) is claiming I have a debt with them for a loan that I did not request nor receive ( sometime in 2020 ). I assume this is as a result of identity theft
|
| 10/11/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have sent this company a letter on XXXX/XXXX/2022 about a validation they have not responded within 30 days now I am looking to collect my {$1000.00} per violation under 15 USC 1692k
|
| 02/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Do not know what this charge is never worked with this company contacted them to see where the original death started from I have not heard from them and can not get in touch with them
|
| 07/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I noticed a debt collection on my credit report in the amount of {$730.00} that I was never notified of this debt or nor was it ever validated or given the opportunity to validate it.
|
| 02/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I do not nor have I had an account with this company that originated in XX/XX/2022 as reported on my credit. This has negatively impacted my credit and I request you delete this ASAP.
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I have never felt with this company ever.
This is fraudulent activity and is on showing on my credit report. I have reached out to the company to dispute this matter as well.
|
| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2020 original creditor XXXX return check balance {$330.00} actions taken by the company send me to collection appear on my experian report dont know anything about this
|
| 02/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and XXXX XXXX needs to be removed from my credit report.
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company made duplicate accounts for me charging me for the same thing twice. I was unaware of this transaction on my account.
XXXX XXXX Account was over 7 years old
|
| 08/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX placed a collection on my credit that does not belong to me.
They did not send me any information to validate the debt or send me any information at all.
|
| 03/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
This was a bill for {$350.00} which was paid by my insurance company to the Ambulance company, Now the a collection from an unknow company trying to collect {$1000.00}
|
| 05/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
CONSUMER ADJUSTMENT COMPANY has been harassing me calling nonstop for I debt that I don't own. I am on the do not call list. They don't have permission to call me.
|
| 07/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Received and XXXX alert that Consumer Adjustment CO has flagged my account as collections. I am not aware of this debt and did not receive any prior notification.
|
| 04/13/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Found debt on report and never opened account on the day statement and had filed fraud through XXXX XXXX and got no were so now I'm filling complaint with you.
|
| 03/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on your credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 07/08/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
the collection company has been re-aging account and illegally reporting it to credit reporting companies. This debt is beyond the statue of limitations.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I havent received any investigation results.
|
| 03/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
CONSUMER ADJUSTMENT CO is claiming that I owe them {$870.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results
|
| 01/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent out letters to the creditor they have not responded the credit failed in validating the debt prior to reporting it on my credit file.
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account does NOT belong to me. It was recently added to my credit report. I disputed and requested documentation which I have not received.
|
| 02/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit
|
| 11/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2023 i disputed and asked the company for original contract with my signature .Company did not respond back with documentation...
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I sent a receipt to the to the creditor showing that I paid the loan off but I was told on XX/XX/21 that the account number doesnt match
|
| 07/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Upon checking my credit report, I discovered the information. I have no knowledge of entering any agreement with this company.
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I have rent recovery and other collections on my account that I did not attempt or live and the address they have on file
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX CONSUMER ADJ CO is a third-party collection agency reporting an account past 7 years old on my XXXX credit report.
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recently checked my credit and found duplicate reporting of accounts. This is absolutely illegal. PLEASE HELP ME!
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
{$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the company to figure out what this loan was and its fraud.
|
| 09/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
The company CACI is sending me a letter of a debt settlement that I own them but there is no validation of debt.
|
| 05/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
they reached out to my current employer by fax asking if I still worked there.
This has caused tension at work.
|
| 06/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX RETURNED CHECK TRYING TO COLLECT AGAIN HAD SAME ISSUE LAST MONTH I BELIEVE IT WAS RESOLVED XXXX DOLARS
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt paid in full on XX/XX/23 in the amount of {$830.00}. I have asked company to update this information.
|
| 01/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Unknown when it occurred posted on credit file on XX/XX/21 in the amount of {$920.00} from consumer adj co
|
| 04/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was never contacted by collection agency prior to them placing a collection account on my credit files.
|
| 09/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Got copy of credit report notice error Requested information about debt Filed ftc identity theft report
|
| 02/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent this company 2 letters and they have never sent me anything! This is a violation of the FDCPA!
|
| 03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The collection agency reported the debt to my credit report but never sent a debt validation letter.
|
| 03/16/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX and I do not have a contract with consumer adjustment.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Another account Ive had disputed and removed and they reassigned to a different collection agency
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company is reporting a negative debt on my credit, and I never had an account with them.
|
| 10/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Unknown account appeared on credit report. I have never heard of this company or this debt.
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX, XXXX and XXXX are showing accounts on my credit report that don't belong to me.
|
| 05/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Consumer adjustment co. Has failed to notify with a letter notifying me of this debt
|
| 04/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a fraudulent account on my credit report that I have never heard of.
|
| 03/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a fraudulent account on my credit report that I have never heard of.
|
| 06/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
On XX/XX/2023, I was co texted by a debt collector before the XXXX XXXX.
|
| 09/13/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Listed as 'Financial Planning Service ' with online search results.
|
| 07/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My credit keeps getting dinged about things I have no knowledge of
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Please see attached documents which show CACi in violation.
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Sect collect reaged account twice within a week period.
|
| 03/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of identity theft please help me
|
| 11/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid the debt in full to the original creditier
|
| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Identity theft, multiple fraudulent accounts
|
| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2020 XXXX XXXX adjustment co XXXX
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 11/21/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Didn't provide services promised
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/16/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 07/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 03/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 03/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 02/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Phone |
|
|
|
| 02/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/31/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American, Servicemember |
|
|
| 01/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/15/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
|
|
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 03/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
Servicemember |
|
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/16/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/20/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 10/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 07/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 05/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 03/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 01/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/17/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 12/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 12/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/10/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Phone |
Older American |
|
|
| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/30/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 09/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 09/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/02/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
|
| 08/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
|
| 08/30/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 07/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/04/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Phone |
|
|
|
| 11/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 04/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American |
|
|
| 12/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 12/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/04/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 02/14/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Phone |
|
|
|
| 02/01/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 11/14/2016 |
No |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 08/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/09/2016 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 04/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/20/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/21/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Postal mail |
|
|
|
| 07/22/2015 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Phone |
|
|
|
| 07/19/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/13/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/13/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/09/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/08/2015 |
Yes |
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 07/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/01/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 01/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/08/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/26/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 09/29/2014 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 09/17/2014 |
No |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 09/09/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/01/2014 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
|
| 06/01/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/15/2014 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 05/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 04/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 02/27/2014 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/16/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 10/16/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 10/15/2013 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/07/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|