Diversified Adjustment Service, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37221	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that DIVERSIFIED ADJUSTMENT had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that DIVERSIFIED ADJUSTMENT open account was opened XX/XX/2023 with a balance of {$400.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received 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. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate 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 as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states 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 consumer 's 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. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail 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 by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. 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 and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. DIVERSIFIED ADJUSTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
07/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ME 043XX	Web
I join XXXX on XX/XX/XXXX a few days later I received a bill from XXXX from XX/XX/XXXX to XX/XX/XXXX they were trying to bill me for service before I even had their service, when I reported them to the XXXX XXXX XXXX in early XX/XX/XXXX for these illegal charges attempted theft harassment and discrimination they turned around and retaliated against me with a collection from XXXX XXXX XXXX in return I submitted a dispute with the consumer financial protection bureau XXXX XXXX XXXX in return remove the account because they know it was fraudulent charges XXXX since then has now decided to open a new collection on me for the same price with different opening dates which is now violation out of the fair credit reporting act and the fair debt collection practices because they are attempting to collect and that was never owed because they retaliated against me in the first place by trying to make it legal charges of theft and then started harassing me with nonstop phone calls lying to the XXXX XXXX XXXX that they talk to me on the phone when they never even call me back or even answer the phone, As well as new collection company is magically for the same exact price as the last one when they retaliated against me and its violations very highly because the dates are now even changed again I will be filing a lawsuit against XXXX and now any collection company that XXXX wants to use I will file a lawsuit against as well for aiding and abetting theft harassment financial attacks on my credit report as well as the violations of the FCRA AND FDCP they seem to think Im an easy target Im not I keep every single form of evidence on every goddamn company that thinks to try something with me, The company question now sent me an email to verify Debt I called them and in return they refused to say anything to me As well as trying to get personal information I will not give them personal fucking information I told them all they need to know to look it up and they even said my name they know who the XXXX they were talking to they refused to do anything especially when I said XXXX retaliate against me and I have proof instead they just keep hanging up on me multiple different times Im done playing games you guys wanna play games we can play games when I saw you went to a sandbox youre ugly XXXX, XXXX also sent me a letter after denying everything to the XXXX XXXX XXXX that he attempted to charge me and steal money from me for services that I didnt even have them for the time, Stating that one of their vendors were storing peoples information and it is a violation of XXXX policies but yet they didnt wanna adjust anything and that caused all of this because they wanted to continue trying to charge me for service that I did not have free time I do not have the service kind of funny how if I join on XX/XX/XXXX I was being charge for service from XX/XX/XXXX to XX/XX/XXXX for over XXXX they denied it all the way to the XXXX XXXX XXXX retaliated against me for reporting them and then turned around and admitted that they XXXX XXXX but refused to fix anything fix anything.stating that one of their vendors was storing peoples information and it is a violation of XXXX policies but yet they didnt want to adjust anything and that caused all of this because they wanted to continue trying to charge me for service that I did not have for a time I did not have a service kind of funny how if I joined on XX/XX/XXXX I was being charge for service from XX/XX/XXXX to XX/XX/XXXX for over XXXX they denied it all the way to the XXXX XXXX XXXX retaliated against me for reporting them and then turned around and admitted that they XXXX XXXX but refused to fix anything, if they wouldve just admitted at the beginning that One of their stores was violating policy and storing and taking peoples information and just simply adjusted properly its not charging me for service I didnt have none of this wouldve happened but XXXX instead wanted to just retaliate against me instead of fixing the XXXX with you I will not tolerate this anymore, Also I have a receipt shows that me and my wife when we switched we paid XXXX in cash and over XXXX on my wifes debit card not the fact of the matter is we had to put that down to switch to their service as well as the fact that paid off two of the phones in full XXXX to this day he denies that two of them were paid off they also denied that the other phones were ever sent back, as well as the fact that they denied that we ever gave them any money kind of funny how I have the receipt shows how much cash and how much came off the debit card which I will be able to use in the court room against them, as well as an email from them that they seem to forget they sent me that stated that I owed on three devices not five but yet they still try to claim that I owe on all 5 and that no money was ever given to them as well as they state that I never sent them the other phones, The fact is a fact that they tried to commit theft against me I called them and report of them they retaliated against me with a fraudulent collection well the charges on the first collection they were still charging me for which were included all the way up to four months ahead of time kind of funny how a retaliation with chargers from future were close in the first retaliation collection and yet they deny anything I would not trust XXXX to pick up a piece of dog XXXX never mind for A cell phone provider asked for you guys at the collection company do you want to involve yourself in a retaliation and threatening me and harassment discrimination attacking my financial credit report know that I will be showing you you can take it down or I will sue or Ill just see you anyway for eating in abetting discrimination harassment threats retaliations and damaging my credit report its all in town all up to you now do you want to continue to play you start a war be ready to lose because I will sue.
02/04/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76244	Web	Servicemember
Customer Information : XXXX XXXX Daytime Phone : XXXX E-mail : XXXX The details of this matter are as follows : Complaint Involves : Service Issues Customers Statement of the Problem : I was a loyal customer with XXXX XXXX since XXXX and in XXXX XXXX my service stopped working in my home coverage area. I purchased XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) spot device and Leased a XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). I already previously had a XXXX XXXX XXXX phone in XXXX that had coverage issues in my home service area. I had hoped the new devices would receive service at home. The devices would not connect at home 80 % of the time or have several dropped calls, missed and delayed voicemails and no data connectivity. In XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I called XXXX to cancel my account with XXXX as my devices were not working.Technical services department to troubleshoot the issue and took the devices into the sprint store. XXXX store found no issues with the devices and suggested ending the account if have no service at home. Technical services indicated they would notate my account their findings and informed me to Cancel my account with their Retention department and explain that may have a dead zones in my home.XXXX indicated I would not be held responsible for additional charges when terminating my account. XXXX continued to keep my account open and sent me a XXXX XXXX XXXX XXXX in an attempt to prevent me from terminating my services. Neither equipment resolved my issues and I continued to pay and request to terminate my services in XXXX I spoke with a supervisor in Financial services my account terminated and assured me that I would not be responsible for any termination charges due to my service issues. I returned all of XXXX Equipment and established services with XXXX. In XX/XX/XXXX XXXX began to attempts to unlawfully bill my credit card accounts for random amounts that I did not authorize. I am disputing the Amount due of XXXX XXXX is seeking. Complaint Background : Product/Service : Unlimited Freedom Plan and Mobile Broadband Plan Purchase Date : XX/XX/XXXX Problem Occurred : XX/XX/XXXX Model : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Talked to Company : XX/XX/XXXX Name of Salesperson : XXXX XXXX Price : {$810.00} Disputed Amount : {$1200.00} Desired Settlement : I would like a Supervisor to contact me to resolve this issue and XXXX out the account balance with XXXX. I want sprint to explain why I continued to be charged for an account with no service in my home service area? I want sprint to end all Collections on this account. I want the unauthorized attempts to charge my credit card for various amounts to be investigated. 2. Amount of credit/refund requested, if any : XXXX I terminated my XXXX services due to unresolved network connectivity issues and disputed XXXX attempts to withdraw funds from his bank account to satisfy the disputed final XXXX account balance. I requested that XXXX remove those disputed charges and cease all further collection activity. My decision to terminate services, were based on an 18-month equipment lease agreement when he activated one of his new devices on XX/XX/XXXX, and that he accepted a 24-month installment billing purchase agreement on XX/XX/XXXX, when he activated a new device for another line of service on his account. None of those devices worked at my physical address where I live. I explained this to XXXX Technical Services, Retention and Executive Services. XXXX Technical services advised me to terminate my services as they were not able to resolve the Dead zones in my house with XXXX Service. Because I terminated XXXX services on XX/XX/XXXX, prior to the satisfaction of thE agreements, XXXX accelerated the unpaid pay-off balances of his purchase agreements and added charges plus applicable lease early cancellation and Device Purchase Option charges associated with his device lease to his closed XXXX account, pursuant to the terms of those agreements. As a result, my account was closed with a balance due of {$1300.00}. I returned all equipment and was made false promises to purchase equipment that does not work at my home. I was a 14 year loyal XXXX XXXX customer. I want a XXXX balance for this account and any negative information removed from my Credit reports. XXXX sent a letter stating they attempted to contact me and they did not. I contacted sprint today to inquire where they are with this issue and they told me the person handling the account no longer works for XXXX XXXX. and he left no notes on the account. XXXX in XXXX Executive Services told me this information today after wasting 1 hour on the phone with her in dept Executive & Regulatory Services department at XXXX, ext. XXXX.
04/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75134	Web	Servicemember
I received a notification from the Credit Reporting agencies that DIversified Adj Services company an account showing me as being delinquent with them. I have never contracted them or their firm to do business nor are they in receipt of any such request on my behalf. They have never contacted me by any means. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : 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 might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide 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, can you provide a copy of the written agreement that created my original requirement to pay? 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, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. 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 from the original creditor, 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. Tell me when the originating creditor ( if one exists ) claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination 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. Details about your authority to collect this debt. 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. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who your company is nor have i contracted with them in any sort of fashion for any services or goods. Please provide me a signed contract with your agency that shows I have a business relationship directly with you.
10/05/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	PA 18201	Web
I am giving authorization to this company to respond to this cfpb complaint before I proceed with litigation. As a federally protected consumer, this company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt. They also have reported this information to consumer reporting agencies when I have never engaged in an agreement with this company, nor have I given them written, nonwritten, verbal, nonverbal consent to communicate with me both directly and indirectly pursuant to 12 CFR 1006.6 ( b ) ( 4 ) ( i ) and multiple federal laws pursuant to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES. Furthermore, they claim that they are attempting to collect a debt from a purchased contract which violates Uniform Commercial Code 3-203 which states that once a contract has been transferred, you cancel all rights to collect. I have a right to privacy pursuant to the privacy act of 1974, to be more specific 5 U.S.C 552a, and this company did not get my permission to use my social security number which has caused me monetary damages. I could not purchase a home, a new vehicle or further extend my credit as a result of this pursuit. The following are federal laws that have been violated in pursuit of this alleged obligation with a brief explanation on how it was violated. 12 CFR 1006.10 and 15 U.S. Code 1692b - Acquisition of location information. Stating that I owe a debt on consumer report ( s ) and using language that states that the communication relates to the collection of a debt 12 CFR 1006.6 and 15 U.S. Code 1692c - Communications in connection with debt collection. I have already stated the reason above 12 CFR 1006.14 and 15 U.S. Code 1692d - Harassing, oppressive, or abusive conduct. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In connection with the collection of any debt, a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person. 12 CFR 1006.18 and 15 U.S. Code 1692e - False, deceptive, or misleading representations or means. The false representation of the amount of the alleged debt. The threat to take any action that can not legally be taken or that is not intended to be taken. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The false representation or implication that accounts have been turned over to innocent purchasers for value. 12 CFR 1006.22 and 15 U.S. Code 1692f - Unfair or unconscionable means. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt and I never created an agreement with this company. 12 CFR 1006.34 and 15 U.S. Code 1692g - Notice for validation of debts. Company did not validate the debt and send the entire purchase agreement to me, the consumer. 15 U.S. Code 1692h - Multiple debts. Once the debt is disputed, any and all payments shall apply in accordance with the consumers directions and my directions were to send me back my compensation by mail. 12 CFR 1006.26 and 15 U.S. Code 1692i - Legal actions by debt collectors This subchapter prohibits any authorizations from a debt collector to bring forth legal actions. 12 CFR 1006.38 - Disputes and requests for original-creditor information. UCC 3-203 - TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. I have already stated the reason above. 12 CFR 1022.42 and 12 CFR 1022.43 and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 5 U.S. Code 552a - Records maintained on individuals. I have the right to keep my financial life private and I have not given this company any authorization to use my social security number.
12/16/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	NY 10019	Web
Below is what I sent to XXXX. Not only did XXXX violate this but so did Diversified Adjustments. I was never ever communicated I had a debt that was owed. I am an executive with great credit. This violates the FDCPA laws referenced below. Below is the email to XXXX CEO and VP of Marketing that I sent. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am reaching out to you based on a very disturbing incident I had with XXXX. I am confident that as an executive of the company, you will ensure that this is rectified. I switched to XXXX XXXX XXXX in the XXXX. I actually regretted it and was going to go back to XXXX. Unfortunately based on my recent situation that WILL NOT and NEVER BE considered. XXXX is unlawful and negligent in debit collection of my account. Please see the details below : I closed the account and paid the final bill. At this time, my account WAS PAID IN FULL. My account details were immediately removed from the app. I was not able to access my account records. I asked how I could have access to my account records. They asked me for my PIN. I did not remember it. XXXX said there was no way to access my account without a PIN, nor were they able to reset it. I HAD NO WAY TO ACCESS MY ACCOUNT. I NEVER saw another bill from XXXX. I have a PERFECT credit score. I checked my report and saw that it had dropped drastically. I was SHOCKED to see a delinquent account/bill from a debt collector, Diversified Adjustments. I NEVER received a bill with an open balance. I never received a written notice from Diversified Adjustment. I asked details on how this was communicated, they said they sent a letter that was returned to them. They stated they had made calls, but they did not indicate who they were and asked for my personal information. For these reasons, I did not engage with them. They said I owed {$150.00}. They could not give me a break out of the bill : they indicated it was from XXXX. I was also asking for more information on Diversified Adjustments contacting me and they hung up. I was shocked since I did not receive a bill from XXXX. I called XXXX customer service. I spoke to XXXX at XXXX 0n XXXX ( I am sure this recorded call can be referenced. ) I was told they can not see any details of my account without a PIN and there was no way for me or XXXX to access it without a PIn??????????????????? I had no choice but to call back and pay the bill to get this off of my credit. However, I am not sure that a delinquent account can be taken off quickly or removed from my credit. According to the law, FDCPA, this has violated many laws. A bill was NEVER sent to me from XXXX!!!! A company that uses debt collection services should ensure that their agency sends a validation notice. The notice describes and verifies the money a debtor owes. A debtor must receive this in five days. NONE OF THIS HAPPENED. The letter should state it is an attempt to collect a debt. Give 30 days to dispute it, state the amount I owe, and give the name of the original creditor. THIS DID NOT HAPPEN A validation notice from the collection agency needs to educate the debt of the rules for recourse if they feel the debt was unjust. I never received a bill from XXXX or the agency! Impacting my credit is unacceptable because XXXX doesn't give access to their account. This is extra TIME THAT I DO NOT HAVE to resolve. This resulted in me getting a higher rating from my insurance that checked my credit at this time. XXXX needs to return my money and rectify this with the creditor immediately. I will be filing a complaint with the FTC, FDCPA, Consumer Protection ACT and am looking into a class action lawsuit. If this was done to me, this had to have been done to many. I hope this is relayed to your legal department and whomever runs your customer service. No way to access account information is unheard of!!!! I suggest an evaluation of your processes and changes be made accordingly. You also might want to find a new collection agency as they are almost as despicable as XXXX!!! I look forward to your response. XXXX
09/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76107	Web	Servicemember
On XX/XX/XXXX I received a notice from my credit monitoring service that Diversified Adjustment Service , Inc. reported an invalid debt previo usly owned by XXXX for {$600.00} on my credit reports. This debt is invalid because I not only paid XXXX in full but I overpaid them and the account was never delinquent. As shown in the attached copy of the final bill from XXXX ( see attachment # 1 ), dated XX/XX/XXXX-XX/XX/XXXX, the final bill total was {$2100.00} for all fees, charges, and services through XX/XX/XXXX. Page 5 of 6 of that bill states {$890.00} for the XXXX XXXX and {$590.00} for the XXXX XXXX would be " credited to my account if the devices were returned to XXXX in good working condition per the lease agreement. '' XXXX also made the same statement as reflected in the email they sent to me on XX/XX/XXXX and the conversation I had with their customer service department via XXXX 's chat feature on their website on XX/XX/XXXX ( see attachment # 3 ). On XX/XX/XXXX at XXXX I returned the devices to a XXXX store located at XXXX XXXX XXXX XXXX, XXXX XXXX , OH. The attached receipt shows the XXXX XXXX and the XXXX were returned along with an XXXX XXXX ( see attachment # 3 ). All phones were returned in excellent working condition and XXXX acknowledged that the devices were returned. On the last bill created by XXXX ( attachment # 2 ), dated XX/XX/XXXX-XX/XX/XXXX, an unexplained total of {$600.00} is listed ; however, pg. 1 of that bill shows there were no new charges added to my account since the final bill dated XX/XX/XXXX-XX/XX/XXXX. It only reflects a payment made by me on XX/XX/XXXX in the amount of {$32.00}. Neither bills reflect the payment I made in the amount of {$1000.00} on XX/XX/XXXX, confirmation # XXXX XXXX see attachment # 3, pg.5 ) ; however, XXXX acknowledged I made the payment. XXXX also lied about a payment attempt. They claimed a payment attempt in the amount of {$620.00} was made on XX/XX/XXXX ; however, they have no record of it and I have attached proof ( attachment # 3, pg. 4 ) that they attempted to collect {$1600.00} from my bank account on XX/XX/XXXX. XXXX 's attempt to collect payment from my bank account was fraudulent because I had already paid my account in full to XXXX. In summary, XXXX provided documentation that my final bill total was {$2100.00}, which included ALL charges through the port out/account cancellation date of XX/XX/XXXX. The documentation provided by XXXX also states {$890.00} for the XXXX XXXX and {$590.00} for the XXXX XXXX in the total amount of {$1400.00} would be credited to my account once the devices were returned in good working condition in accordance with my lease agreement AND the devices were returned to XXXX in good working condition on XX/XX/XXXX, which XXXX agreed with. XXXX also provided documentation that I made a payment in the amount of {$32.00} on XX/XX/XXXX. Therefore, the final bill total of {$2100.00} should have been reduced by {$1400.00} ( for the returned devices ), resulting in a final bill total of {$620.00}. My payments totaling {$1000.00} ( a {$1000.00} payment on XX/XX/XXXX and {$32.00} made on XX/XX/XXXX ) should have been applied to the final bill total and resulted in an over payment made by me to XXXX in the amount of {$440.00}. Diversified Adjustment Service , Inc. is attempting to report and collect an invalid debt from me in the total amount of {$600.00}. This debt is invalid as reflected in the bills provided by XXXX and the attached documentation provided by me. XXXX failed to report my payment made on XX/XX/XXXX in their bills ; however, I have proof of the payment and XXXX acknowledged I made the payment. In accordance with federal law, Diversified Adjustment Service must validate the debt they are attempting to collect and I have successfully proven this debt is not valid, untrue, and is inaccurate as reflected in the bills provided by XXXX and the additional documentation I have provided. I do not owe XXXX or Diversified Adjustment Service, Inc. for any amount because I overpaid XXXX by {$440.00} and provided proof in my attachments
10/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48382	Web
On XX/XX/XXXX, I applied for a XX/XX/XXXX and got less favorable credit terms offered to me than I expected. I immediately requested credit reports from all three major credit reporting agencies and discovered that my credit reports contained an account in collection that I was completely unfamiliar with ( " Fraudulent Account '' ). The Fraudulent Account is being reported to the credit reporting agencies by Diversified Adjustment Service , Inc ( " Diversified '' ). The Fraudulent Account apparently stems from a XXXX telephone account with an original balance of {$3600.00} and a first delinquency date of XX/XX/XXXX. Importantly, I have never opened a XXXX telephone account. I am an XX/XX/XXXXcustomer. In short, the Fraudulent Account is not mine and should be removed from my credit reports as it is an inaccurate credit reporting that caused and continues to cause me harm in obtaining credit. On XX/XX/XXXX, I submitted disputes regarding the Fraudulent Account to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXX/XX/XXXX. Both XX/XX/XXXX and XX/XX/XXXX promptly removed the Fraudulent Account from my credit reports after their respective review of my dispute and determination that I had nothing to do with the Fraudulent Account. Conversely, XX/XX/XXXX determined the credit reporting on the Fraudulent Account was accurate after apparently receiving confirmation from Diversified of such accuracy. After two credit reporting disputes regarding the Fraudulent Account were denied byXX/XX/XXXX, I requested specific information on XX/XX/XXXX about the Fraudulent Account by sending XX/XX/XXXX a letter via first class mail. On XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX responded by sending me a copy of my credit report, but did not send any of the other information I requested, which included the reasoning behind the denial of my previous disputes. After unsuccessfully submitting additional credit disputes with XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX advised me to reach out to Diversified to obtain additional information and dispute the reporting directly with Diversified. On XX/XX/XXXX, I contacted Diversified to dispute the credit reporting on the Fraudulent Account and to request any and all information Diversified had to verify the Fraudulent Account actually belonged to me. The representative I spoke with at Diversified advised that he would send the requested documentation to me via email immediately. The representative refused to provide his name and direct telephone number when I asked for it for reference purposes. Since I never received the promised email from Diversified, I called them again on XX/XX/XXXX. I was transferred to a representative named XXXX, who informed me that I spoke with him on my previous call. I advised XXXX that I did not receive the email I previously requested and he was evasive about answering my questions. For example, after asking XXXX to resend the email he purportedly sent weeks ago, XXXX advised me that I needed to make that type of repeat request in writing in order for it to be processed. After pressing XXXX about when the previous email was sent and from what email address it was sent, XX/XX/XXXX 'waived ' the stated writing request requirement for repeat requests and advised that he would send the requested information to me in a couple of days. Given my prior experience with Diversified, I requested to speak with a manager as I was not at all confident the requested documentation would actually be sent to me. XXXX transferred me to the " Quality Assurance Department '' where I was not able to speak to anyone and had to leave a voicemail asking to please return my call. Diversified is violating the Fair Credit Reporting Act ( " FCRA '' ) by reporting the false and inaccurate information regarding the Fraudulent Account on my credit report. Diversified is also violating the FCRA by not conducting reasonable investigations and re-investigations in order to determine whether the Fraudulent Account actually belongs to me. I continue to suffer harm due to this inaccurate credit reporting.
08/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 337XX	Web
RE : Violation by Diversified Adjustment Service of 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 15 U.S. Code 1692 - Congressional findings and declaration of purpose a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I XXXX XXXX, have a right to be apart of the XXXX XXXX XXXX for personal and business needs AS A CONSUMER and your reporting has caused my inability to do that. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. Diversified Adjustments Services, YOU are a furnisher of information to a Consumer Reporting Agency. I XXXX XXXX, do not HAVE and, NEVER had ANY written contract of ANY accounts with Diversified Adjustments Services as alleged on my consumer reports. I XXXX XXXX have not given Diversified Adjustment Service ANY written permission to report ANYTHING on my consumer report as required by law. I listed the law below. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates You have No permissible purpose by law to report my private or personal information to ANY Third Party. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028 ( A ). Also, you have violated 15 U.S. Code 1681q. I listed the law below. 15 U.S. Code 1681q - Obtaining information under false pretenses- the whole passage Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. DIVERSIFIED ADJUSTMENTS SERVICES, willingly and knowingly used deception means in furnishing the inaccurate and incomplete information to the consumer reporting agencies in XX/XX/2021. I have since disputed the account several times which is verified as accurate reporting each time. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt YOU HAVE VIOLATED THE FDCPA. In Conclusion, Diversified Adjustments Svc. YOU have been put on notice that this is your FINAL NOTICE that you are continuously and, UNLAWFULLY reporting INACCURATE, RE-AGE and INCOMPLETE information, The information is, in fact, inaccurate. I am A LITIGIOUS CONSUMER I will NOT HESITATE TO TAKE LEGAL ACTION against Diversified Adjustments Svc. The continued unlawfully reporting of inaccurate and incomplete information is a clear violation of the law 15 USC 1681S-2 of YOUR Responsibilities As a Furnisher Of Information. This is a FINAL opportunity to PROMPTLY delete the erroneous, inaccurate, incomplete and re-age account of information from ALL consumer reporting agencies that you have reported it to at once. You have caused me and my family severe harm due to your negligence and inaccurate reporting. YOU have 5 Calendar days to DELETE THIS ACCOUNT # XXXX from my consumer reports OR, I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. Cc : Florida State Attorney XXXX XXXX XXXXXXXX XXXX Cc : CFPB Enforcement and Supervision Dept Cc : Congress Cc : Attorney Esq.
04/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 14211	Web
Detailed Summary : This writer ( XXXX ) settled a debt with XXXXXXXX XXXX XXXX on XX/XX/XXXX in the amount of {$130.00}. The full debt price was documented as {$210.00}, however upon speaking with a representative from their company via phone XXXX was told by the representative that the debt could be settled and considered PAID IN FULL if the agreed upon amount of {$130.00} was paid. XXXX agreed to the settlement amount of {$130.00}. XXXX received documentation from XXXX XXXX XXXX dated XX/XX/XXXX stating the account was paid in full. XXXX received a letter from XXXX XXXX XXXX XXXX ( RPM ) dated XX/XX/XXXX regarding owing the debt amount of {$210.00} to XXXX. This writer contacted XXXX and explained to the representative that XXXX had previously paid the debt to another company and settled for the amount of {$130.00}. As advised by the representative XXXX sent proof of payment ( redacted bank statement as advised by the representative on the phone ) via email to XXXX and was told this writer would hear back from XXXX within 30 days. XXXX did not hear back from any representative of the company at all. XXXX received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX stating that " in the last quarter, XXXX received the following payment of {$130.00} on XX/XX/XXXX. All payments received this quarter have been applied to the account placed with XXXX ; however, this account is now closed in our office. '' XXXX received another letter from XXXX stating there was still an outstanding of {$210.00} on the XXXX account. XXXX reached out to XXXX and spoke to a representative. The representative named XXXX stated to this writer to fax the documentation of proof of payment to the number she provided and call back the following Monday to ensure she received it. XXXX complied, faxed the information the very next morning and waited until Monday morning to call back. Upon calling the given number back this writer was not connected with XXXX and was told my the representative on the phone that it would take up to 30 days for XXXX to sort and review the faxed information sent. XXXX again received a letter from XXXX XXXX XXXX XXXX ( RPM ) dated XX/XX/XXXX stating that XXXX was willing to accept 40 % ( {$84.00} ) of the total due ( {$210.00} ) to satisfy the outstanding balance. XXXX again contacted the company and spoke with a representative and then to a Supervisor regarding the paid debt and that proof of payment was emailed a couple of months prior. The supervisor stated that the information sent was not valid proof and that additional information ( receipts ) needed to be sent in as proof. The supervisor also stated that someone from XXXX would be reaching out within 30 days upon receiving new information that was sent in. XXXX again complied and sent the additional documentation to the email address XXXX provided. As of XX/XX/XXXX XXXX has yet to have heard back from XXXX. XXXX recently received another letter from another letter from a new company called Diversified Adjustment Service Inc. ( DAS ) dated XX/XX/XXXX that stated " your account has been placed with us for collection in the amount f {$210.00}. XXXX then scanned and emailed all of the previous letters and correspondence from the other companies attempting to collect the debt along with proof of payment and emailed it to Diversified Adjustment Service Inc. Upon sending the email XXXX contact DAS via phone and spoke to a representative. He stated that the information has not been processed yet and to call back by Friday to check if it was in DAS ' system. XXXX stated that a call would be made on Friday to check into the situation. Resolution : XXXX would like all of the agencies attempting to collect this debt to seize all forms of contact/ communication ( phone, email, letter, socials media and any other form of communication that may apply ) and would like the debt absolved and removed from collection, personal credit report ( if applicable ), presented and closed as a paid in full account.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90039	Web
I am writing to file a formal complaint against XXXX regarding a severe issue I have been facing with their services. My identity was stolen, resulting in the fraudulent opening of a T-Mobile account in a different state. Despite my diligent efforts to resolve this matter, I have encountered significant hurdles that I believe warrant your attention. On XX/XX/XXXX, I contacted XXXX 's customer support in an attempt to rectify the situation. Regrettably, the assistance provided has proven to be grossly inadequate and, in some cases, appears to violate the Fair Credit Reporting Act ( FCRA ). Specifically, I have been repeatedly asked to verify my account through methods that are unfeasible given the circumstances. Furthermore, I have been denied direct access to the fraud department, which I believe is my right as a consumer seeking to address a case of identity theft. I would like to outline the sequence of events for your reference : XXXX. On XX/XX/XXXX, at XXXX XXXX, XXXX requested account verification through a message that I found to be unreasonable given the nature of the situation. XXXX. XXXX from XXXX introduced herself - over twitter - since I had no other way to reach them as they refused to provide me with the number for their fraud department. She expressed empathy for my situation. She acknowledged the time and effort I have already invested in attempting to resolve this matter. While I appreciate her assistance, the prescribed steps seem to be impractical and in violation of the FCRA. XXXX. I provided the requested account number and explained that I received a bill at my old address in Florida, which was subsequently forwarded to my current address in California. The bill indicates a balance of {$1200.00}. I also mentioned that I reported the identity theft to the Federal Trade Commission ( FTC ) and implemented a credit freeze over a year ago. At this juncture, it is imperative to highlight that T-Mobile has not yet verified the debt in question, making the insistence on account verification and the inability to directly contact the fraud department impractical and, in my view, potentially detrimental to my rights as a consumer. On XX/XX/XXXX, I received a message from XXXX, a representative from XXXX, who attempted to provide guidance on filing a Fraud form for a written-off account. However, the requirements outlined are impractical and, in some cases, impossible to fulfill : XXXX. The demand to include " XXXX '' in the police report is unattainable. This request places an undue burden on the victim of identity theft, as it is beyond their control to dictate the contents of a police report. Additionally this account was opened two years after I initially reported the identity theft to identity theft.gov and that I could have seen into the future what fraud might occur. XXXX. The assumption that I have knowledge of the account 's status is misguided. XXXX sent a bill to my previous XXXX address XXXX which was then forwarded to my current residence in XXXX, where I have resided since XX/XX/XXXX. This discrepancy further complicates the resolution process. I made it clear that my preferred method of contact was via phone call, as initially promised. Unfortunately, XXXX XXXX social media platform does not permit outbound calls to unverified accounts. This limitation further hinders effective communication. In light of these challenges, I beseeched XXXX to call me directly and provided them my number, yet they refused. This is not my debt. XXXX has made it impossible to resolve this and it has severely impacted my credit. I believe that XXXX 's approach to this matter is both unreasonable and non-compliant with established consumer protection laws. I implore the Consumer Financial Protection Bureau to investigate this case thoroughly and take appropriate action to rectify the situation. Thank you for your prompt attention to this matter.
10/22/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	TX 77091	Web	Older American
On XX/XX/XXXX or XXXX, I noticed that a collection agency called Diversified Adjustment, reported an amount of {$440.00} on my credit report and noted that the original creditor is XXXX. I have never had anything to do with Diversified Adjustment Agency and if they bought a debt from XXXX , I would expect that Diversified Adjustment should call or write me first to notify me of the debt or validate the debt. Instead, Diversified Adjustment just reported the amount as debt I owe, to XXXX and XXXX credit bureau, without any form of contact with me to verify if I owe such a debt to XXXX I got the Diversified Adjustment phone number from their report on my XXXX and XXXX Credit Report and called them asking them about their wrong posting on my credit report. Instead of giving me the information after introducing myself by name and giving them reasons why I was calling them, they were more interested in collecting my personal information, namely my social security number, address, and phone number. I declined to give them my social security number and address, as I do not know them, nor trust them since they did not contact me before. I just told them my name and told them they could reach me on the number I am calling them from, which is my number. I told them that what they were trying to get from me was what they could have known by collecting such from whoever sold any debt to them, to enable them to have put any posting on my credit report. I asked them why they did not call or write me to verify/validate any debts from me before posting anything on my credit report. But they would not offer any explanation. Instead, the lady said if I did not provide my social security information and address, that she would not talk to me. She proceeded to say " Have a good day '' and then she hung up the phone on me. I proceeded to dispute the wrong information with XXXX and XXXX. Initially, XXXX said Diversified Adjustment said the reporting was accurate, but XXXX has since removed it from my credit report. XXXX still has it and I have disputed it with XXXX for the second time. Then I recently found out that a month after Diversified Adjustment put the information on XXXX and XXXX, and after I called Diversified Adjustment and they could not offer any explanation to me nor send me any information or documentation about their purported debt, Diversified Adjustment reported the wrong information to a third to XXXX in XX/XX/2023 ' I also contacted XXXX and have been talking with them after discovering Diversified Adjustment 's report on my credit report. I asked XXXX to send me copies of, at least, my last XXXX bills with them and some important notes they recorded concerning my agreements with them about my account. ( My bills had been online and they did not send hard copies and I do not have access to those accounts anymore since I deactivated my account with XXXX in XX/XX/2023, and ported to a different Carrier ). Three different XXXX supervisors promised me over XXXX different times between XXXX and the End of XXXX, that they would send the bills and notes to me. Up till now, XXXX XXXX have not sent any requested and promised documents to me. Finally. just two days ago, a XXXX Customer Service agent told me XXXX does not have those records anymore. Up till today, XX/XX/2023. Diversified Adjustment has not yet sent me the details of the debt. I called them again earlier this week and the same thing as before happened. They wanted my social security number and address. I told them that they should have verified their information from those they bought the debt from and asked why they did not verify that debt with me before putting it in my credit report. I told them that I do not owe XXXX. Again, the lady was more interested in getting my social security number from me. When I would not give her my social security number for security purposes, she hung up the phone on me.
07/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06360	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX RE : Account # XXXX {$870.00} 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 vAriginal 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 could 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. Best Regards, XXXX XXXX
08/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33569	Web
Diversified Adjustment Service Inc sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692b, it states, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall - ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 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 ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. Pursuant to the FDCPA, specifically 15 USC 1692e, it states, 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 : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. Pursuant to the FDCPA, specifically 15 USC 1692f, it states, A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Pursuant to 15 U.S.C. 1692k - ( a ) Except as otherwise provided by this section, any debt collector who FAILS to comply with any provision of this subchapter with respect to any person is LIABLE to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. I sent an invoice for 9 Federally protected consumer right violations under the FDCPA. Attached is the communication I received highlighting all the violations conducted against me and proof. This is a clear violation of the law and is not equitable or fair to me, the consumer.
03/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32757	Web
XX/XX/2021 XXXX XXXX Diversified Adjustment Re : Attempt to collect a debt from Open Balance Amount : {$1900.00} To Whom It May Concern : This letter is being sent to you in response to your intent to collect a debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collections Practices Act, 15 USC 1692 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 me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the Statue of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the three 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 in bringing 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 are able to provide the 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 any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail 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 deletions request shall be sent to me immediately. I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to or with and 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 that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX CC : Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX CC : XXXX XXXX, Florida Attorney General XXXX XXXX, XXXX XXXX XXXX, FL XXXX
09/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web
My adult daughter went in to a XXXX store in XXXX XXXX, CA to set up new phone service and purchase a new XXXX. She met with the sales person, stated that she wanted a new phone on her own account, and presented them with photo ID which they scanned. XXXX acknowledges this and has a copy of her ID on file. The sales person proceeded to give her a new IPhone and contract, in my name. My daughter did not realize this, and thought she had set up her own account and leased this phone and signed her own name using her own photo ID to do so. XXXX has acknowledged that nobody had authorization to purchase or sign contracts on my account except for me. They also, again, acknowledged that I was not present, and that the sales person did not have any authorization to put any purchase or contract on my account. After several phone calls, we both went to the XXXX store looking for the employee who did this and were told he didn't work there anymore. I asked for a manager and they said he wasn't there but would call me. I tried the store again repeatedly and they would take no action to rectify this and stated that she must have known my password. Which still would not be authorization to use the account. XXXX has repeatedly promised to rectify this. At one point, a customer service person told me that if I would pay a balance on the account they would be able to immediately switch the account into the correct name and out of my name. Upon this promise, I agreed and paid {$130.00} even though, again, it had been acknowledged that this was not my debt. This went on for nearly 2 years with XXXX. I also had a lengthy conversation with them about making sure this nonsense would never negatively affect my credit, because again, I did not authrorize purchase, contract or use of my name or account and this was XXXX 's mistake. The person assured me that this would never happen as there was an open case and they would never send this to collections. They never rectified this, as a matter of fact they opened another new account in my daughters name to transfer her contract for this phone and service into, and then proceeded to charge her for 2 accounts and continued to charge me for this account ( yes believe it or not that is 3 accounts now that they were billing for! ) My daughter called to pay off this account about 6 months ago and was assured that she was paying off the account that was mistakenly in my name and they applied the money to the 2 accounts in her name and closed them, and then proceeded to send me to collections. Again, all of this is ( supposedly ) on record and in notes with XXXX, because every time I would call them, I would say please read the notes on this account before I waste any time trying to explain, and every time they would say " Oh my goodness, let me help you straighten this mess out '' or something to that affect when they saw the mess and hundreds of phone calls. Now this account has been referred to XXXX XXXX XXXX and has ballooned to {$570.00}, and shows a collection on my credit report. I finally last week called and offered to pay them money to remove it from my credit ( basically extortion money ). They agreed to 30 % reduction and deletion. But, they refuse to put that in writing. So, I'm actually willing to pay a debt that I do not owe just to clean up my credit now, but only with assurances in writing for the deletion. With nothing in writing I have no recourse and don't believe they will follow through.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 604XX	Web
Under the New Rule REGULATION F which took effect XX/XX/XXXX, DIVERSIFIED ADJ has violated the FDCPA 1006.30a and its new rule by parking this alleged debt to my consumer report. DIVERSIFIED ADJUSTMENT has failed to comply with 16 CFR 660.4 ( a requirement of law ) and 15 USC 1681b ( 2 ) of the FCRA. I have not given them written expressed permission to put anything on my consumer profile. They have no permissible purpose by law to contact third parties with my private or personal information. According to 12 CFR 1022.3 the definition of identity theft means a fraud committed or attempted using the identifying information of another person without authority. Their offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. They have knowingly transferred, possessed, or used, without lawful authority a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Anything added to my credit report without my consent is identity theft. DIVERSIFIED ADJUSTMENT has failed to comply with 12 CFR 1022 ( a requirement of law ) and 15 U.S. Code 1681s2. 15 USC 1681s2 states 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. Duty : a moral or legal obligation ; o responsibility Accurate : correct in all detail ; exact Prohibition : a law or regulation forbidding something Person : the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 15 USC 1681s-2 says DIVERSIFIED ADJUSTMENT is a furnisher of information to a consumer reporting agency. DIVERSIFIED ADJUSTMENT ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681S-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. I have disputed this inaccurate reporting with XXXX and it has been removed. Further proof they had no permissible purpose to report this to my consumer profile. I sent DIVERSIFIED ADJUSTMENT notice of this reporting XX/XX/XXXX and they received this notice XX/XX/XXXX through certified mail # XXXX XXXX XXXX XXXX XXXX. It has been more than 30 days since they received notice and they did not stop their reporting nor did they respond to my notice. They have acquiesced and I had to involve the credit reporting agency to remove the inaccurate collection. In conclusion I have shown you they were reporting illegally to my consumer profile and I am seeking compensation for the stress and harm this has caused me and my family.
05/06/2020	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	FL 349XX	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problem s t hat lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
04/24/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 38018	Web
Diversified Adjustments are in violation of 15 USC 1692g ( a ) Notice of debt. and 807. False or misleading representations. I contacted Diversified Adjustments ( DA ) on XX/XX/2019, by telephone, after checking my credit reports and found that they had reported an collection account, from XXXX, to all three credit bureaus without issuing a written Validation Notice letter. The amount of XXXX was reported to XXXX XXXX, XXXX and XXXX as a collection /charge off. See attachments. This improperly reported item has damaged my credit score significantly. If I had received proper notice, I could have timely resolved and or disputed this listed amount reported. During the phone conversation on XX/XX/2019 I advised DA that I had not received a Validation Notice prior to them reporting this debt to all of the credit bureaus as required by law. DA advised me that they had emailed this debt, via email, provided to them by XXXX. I contacted XXXX and found this not to be true. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 807. False or misleading representations. In this complaint, I reference XXXX XXXX XXXX XXXX , XXXX ( Case No. XXXX, U.S.D.C., Southern District of Indiana ) where the Judge stated that a Validation Notice Sent Via Email Requiring Consumer to Click a Link to Open a Secure Package Is Not Sending a Validation Notice Under FDCPA. See attachment which shows that the recent email sent XX/XX/2019 ( 8 days after initial contact ) does not contain three of the five requirements listed below : ( 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. I asked DA to send proof or a copy, on XX/XX/2019, of the email that they claimed to have sent to me, prior to reporting this dept to the credit bureaus and they have yet to respond. This misleading and false misrepresentation of fact is a clear violation of 15 USC 1692e 807. I attempted to resolve this issue with DA and advised them of the error on their part, advised them of my rights under the FDCPA and disputed their tactics use to collect this dispute debt. Because of this error, I asked DA to remove this Negative improperly reported item, from all three credit bureaus. All to no avail. This complaint follows.
07/08/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94598	Web
Three times now I have disputed XXXXs attempts to ruin my credit as a previous customer service representative stated they would do. This is what was previously stated in my first complaint that resulted in the removal of this fraud collection : My final Bill with XXXX was {$88.00} I had auto pay set up and I personally inquired on wether or not I needed to make my final payment before transferring my service to a different service provider. The representative I spoke with told me that the auto pay would still go through on the date it was set for. Well it didnt and I have relentlessly attempted to contact XXXX about my final bill. If you can imagine my surprise when this was put on my credit in the amount of {$180.00}. This amount is in excess of my final bill as I did not owe equipment fees or any other fees, just my monthly bill. I have since tried to access previous account information but XXXX refuses to allow me any access to previous billing history and once again I must state that I have not been able to speak to anyone about this. Now I randomly have XXXX XXXX XXXX 's reporting this collection every month to the credit bureaus and it is affecting my credit derogatorily. My score literally plummets anywhere from XXXX points on any given day. Its causing me hardship. XXXX will bot allow me to access my account because it will prove I do not owe the amount being posted on my credit report. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Today I was notified by XXXX of a company called DIVERSIFIED ADJUSTMENT being added to my report, which is another attempt of XXXX to hold me accountable for an amount that I do not owe them. I have disputed this now three times, it has been removed from my credit twice and XXXX XXXX continually sells my information to these companies. I have been threatened verbally over the phone that XXXX will ruin my credit by these collection agencies that they have sold my information too. Upon contacting XXXX both in person and via phone I have been met with no help and firmly reminded that they will put the collection on my credit. I have given proof of what I am saying now three times. Please help me because this is affecting my ability to navigate the financial world without troubles. In XXXX XXXX also actively discriminated against me by saying my credit score was not high enough to not have to pay a downpayment fee when my actual score was well over XXXX. I have the letter they sent me that states I had too many late payments on my credit at that time which was not true. This account was not opened on XX/XX/XXXX that is a manipulative tactic used by XXXX and these crooked collection agencies this account predates XXXX and it was initially put on my credit back in XXXX. They are actively ruining my credit as they stated they would and every-time it gets removed they sell my info to another company and attempt to repost it. Please make it stop!
09/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78251	Web	Older American, Servicemember
On or about XX/XX/XXXX I was notified by my credit union that my checking account had been overdrawn in the amount of {$1100.00}. When I went to the credit union to get an explanation I found that XXXX had erroneously charged me for prematurely terminating the terms of my phone lease for 3 phones. This was an error on their part. I had enabled auto-payments for my bill, so they withdrew the funds and left me with the overdraft. When I called XXXX Customer Care to dispute the erroneous charge the representative told me that he wasn't sure why the charge was made ( because I certainly didn't terminate my lease! ). I asked how soon the charge could be returned to my account and he told me it would be 7-10 days. I explained their action resulted in the overdraft of my account, and I need that money to pay my rent and other bills. I told him the 7-10 day period was not acceptable, and asked if some type of exception could be made due to it being their error. I told him I was concerned about the erroneous charge refund policy, but more concerned about the situation I was left in due to the error. He told me there was nothing he could do. I again asked if there was some type of exception for me as a 15-year customer, or if there was someone else I could speak with ( escalate the call ), he said no and ended the call. I have been in Customer Service my entire professional career ( over 35 years ) and this interaction was a perfect " learning opportunity '' for that young man, but apparently that call was not monitored or reported because I was never contacted by anyone in XXXX XXXX Customer Care leadership. I can not describe the feeling of helplessness. My first action was to terminate the auto-pay to XXXX ( I was also required to submit a stop-payment order for them because they subsequently tried on two occasions to again withdraw those same funds! Is that legal? ). I then had to request a loan to pay my rent which they quickly approved because the representative heard my conversation with XXXX. Not once did they acknowledge their error, or offer me an apology for the XXXX service I received as a 15-year customer. Some days later I changed my service provider. I was sent communications from two different collection agencies on behalf of XXXX that were disputed through XXXX and invalidated. The results from the dispute with XXXX. XXXX were posted 0n XX/XX/XXXX, and with XXXX XXXX on XX/XX/XXXX. Today I received communication from Diversified Adjustment Service , Inc., XXXX XXXX XXXX, XXXX, MN XXXX, also on XXXX 's behalf. I am aware that many companies sell debts to collection agencies. In my opinion this company has purchased a " bad '' debt that has been twice invalidated. I feel XXXX is harassing me with these collection attempts that are a result of their error and terrible treatment of their ( former ) 15-year customer. Can XXXX be compelled to stop these collection attempts?
12/13/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 296XX	Web
Authorized representatives : XXXX XXXX DBA CEO & XXXX XXXX DBA Senior Vice President of Diversified Adjustment Service Inc., are demanding {$150.00} Per the XXXX XXXX XXXX ; Diversified Adjustment Service Inc., is a corrupt debt collection company whom refuses to provide authorized representatives when aiming to negotiate an alleged debt. Upon checking my credit report an unknown authorized representative of Diversified Adjustment Service Inc., flagged my credit files with unverified collection & unpaid activity on XX/XX/2023 and XX/XX/2023 Diversified Adjustment Service Inc., decided not to honorably submit their demand for payment through the US Postal service to allow me to properly dispute their claim of {$150.00} I did not authorize XXXX XXXX or XXXX XXXX access to my social security number to damage my credit files. Diversified Adjustment Service Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received goods or services from Diversified Adjustment Service Inc. I am formerly requesting XXXX XXXX to provide authentic contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to Diversified Adjustment Service Inc., releasing my private information. Diversified Adjustment Service Inc., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. I am not a party to any agreements Diversified Adjustment Service Inc., may or may not have with XXXX XXXX I am not responsible for Diversified Adjustment Service Incs purchase / transfer from XXXX XXXX. Present authentic contractual agreements supporting Diversified Adjustment Service Inc., and I have agreed to honorably conduct business. I do not agree to pay/tender anything to Diversified Adjustment Service Inc. , on behalf of XXXX XXXX . Diversified Adjustment Service Inc., are prime examples of debt collectors that abuse their authority in efforts to force consumers to pay debts that they have no first - hand knowledge of. I have contacted XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Diversified Adjustment Service Inc. Diversified Adjustment Service Inc., does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. Diversified Adjustment Service Incs reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. I have included all proof in the attachments.
05/20/2022	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	GA 301XX	Web
I retrieved a copy of my credit report and immediately noted that Diversified Adjustment had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureaus responded, see attached. The bureaus responded that the company verified the information as correct. How so? A third party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, Diversified did not advise the bureaus to update the account status to disputed. This is a violation. The dispute with the bureaus was the first notification Diversified received and should have advised the bureaus at the time they allegedly validated the information that they should update the entry to disputed. Diversified did not and as you can see in the attached document, it does not denote it was in dispute. This violation in and of itself warrants Diversified Adjustment to delete this entry. My continued efforts to remove this entry from my reports was through with a direct dispute to the company. Diversified responded to my dispute in their letter dated XXXX ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. As such, being in receipt and providing the requested documentation was to no avail. Diversified did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Georgia. Diversified did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. Diversified blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to cease collection efforts and reporting when they received the letter of dispute. This entry should be deleted from my credit report immediately and Diversified Adjustment should remunerate me for the violations.
10/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11369	Web
XXXX I reviewed my credit report and noticed my score dropped substantially. Diversified adj svc had placed a derogatory mark stating I had an unpaid balance. I immediately called them XXXX with a busy tone on the line. I attempted various times again on XXXX when I finally reached an agent. I advised the agent that I was never made aware of this account or received prior notification but that I am willing to pay the full balance if it can be removed as I am in the process of applying for a business loan. The agent advised me over a recorded line that they will not remove the account as it has been in collection for some time well over a few years and also stated they simply collect payment and do not work alongside the credit bureaus. He said once the payment is made that I can speak with them. I asked who the account pertained to and he advised me it was XXXX. I advised the agent that it would be impossible as I had not been under XXXX employment for less than a year. I also requested verification of the debt to the address I provided as I never received prior notice or contact violating my rights to dispute. He said " Just pay your bill! ". I mailed a letter to the collection agency XXXX again requesting verification of the debt as I had never been contacted in any shape way or form and again extended my willingness to pay in the full balance for removal of the remark due to not being contacted within a timely manner and would await XXXX days from the mail date. XXXX at XXXX XXXX diversified specifically contacted my sister who is a minor not only disguising the nature of the call but also advising her it was an attempt to collect a debt once she verified I have not lived at that current address for several years. XXXX I had still not received any notice or call from the agency. I called XXXX for assistance and was advised that Diversified like any collection agency has the ability to remove the remark but that XXXX can not further assist me. He advised me to check online where I verified the XXXX agent 's statement that Diversified does in fact reports to the credit bureaus. Diversified has violated my rights as a consumer under the FDCPA by never having contacted me prior to reporting the account in question or providing me notice after I and not they, initiated contact with them. I have provided them my address and phone number twice. Once over the phone and in my letter to them but still received nothing. They have also violated my rights by not only contacting a minor who is not under my care but also disclosing the nature of the call rather than contact me directly. The mishandling of the debt to be paid shows irresponsibility and zero accountability on Diversified 's end.
04/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 320XX	Web
My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX. At the time I also ended by service with XXXX with whom I had been a customer since XXXX. I also returned my phones to a XXXX store and retained the receipt. Flash forward to XXXX of XXXX and a collection amount shows up on my XXXX XXXX credit report from Diverse Adjustment XXXX XXXX Inc stating I owe {$450.00} from XX/XX/XXXX that had not previously shown there. I immediately requested via certified mail proof of debit from the collection agency. They only sent me an old XXXX billing statement from XXXX that did not even match the amount they claimed I owed. it also showed I had been being charged sales tax for a county and state I had not lived in for two years Prior. The sales tax state and county did not match my address on the statement. I called sprint on XX/XX/XXXX at XXXX PM. The first person hung up on me, the second cold transferred me to someone else who advised I was being charged for never returning the phones. I advised them I did return them and had the receipt to prove it. I was advised they could not help me any further and I had to go through the collection agency. They also advised they had not properly updated my address in their system completely which was causing them to over charge me on sales tax. I called the collection agency and was advised to dispute it on their website and upload an image of my receipt where I returned the phones. I disputed this with the collection agency was asked and to this date have never received a response and it is still showing on my XXXX XXXX report. I also never received any notification of any debt from the collection agency or XXXX other than just finding it on my own on my credit report. I am disputing that I owe this debt I was told by XXXX it was a charge for not returning the phones, and I have proof I did return them. In addition, any contracts I may have signed with XXXX prior to my Chapter XXXX Bankruptcy filing were not reaffirmed and should not be collectable or showing as an open collection on my credit profile per the United States Bankruptcy Code. I am also advising that XXXX as well as Diversified Adjustment Services , Inc. did not follow the guidelines and laws of the Fair Credit Reporting Act by properly notifying of me of their claim of debt prior to furnishing damaging information to the credit bureaus. I also believe this mistake by XXXX and Diversified Adjustment Services, Inc caused me damages by causing me to have a higher interest rate on a loan I received in XX/XX/XXXX as they never informed me of their claim of debit or that any negative information was being furnished to a credit agency.
01/22/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TX 78741	Web
I received a call from Diversified Adjustment Service Inc. indicating they were attempting to collect a debt on a payday loan I never solicited or received. The call was followed by a letter I received on XXXX/XXXX/XXXX ( the letter itself dates to XXXX/XXXX/XXXX ). I called in reply to the letter, and confirmed that in order to dispute it formally, I had to do so in writing, which I did the same day via email. I sent documents in support of my position that I never received any such loan - specifically bank deposit statements from the period in question showing no deposit of any kind for the amount in question. The collection agency claimed the original loan was issued on XXXX/XXXX/XXXX, and then remanded to collection later ( around XXXX of XXXX ), however I received no communication until XXXX - mostly in the form of phone calls from differing numbers, none of which can be returned at the same number. After formally disputing the debt in writing on XXXX, a call was made to me at XXXX XXXX on XXXX, demanding immediate payment of the debt, in violation of and in indifference to the following : XXXX. Validation of debts [ XXXX XXXX XXXX ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I have made several attempts to contact the original claimant, XXXX XXXX XXXX XXXX, who remain at this time unreachable by phone to me - only customer service and technical support are reachable. I was transferred to someone from HR/Payroll, however, my call instantly went to voicemail, and has as yet not been returned. My login for the Agent Services page on the company 's HTML site ( XXXX ) is valid, but the page has no content other than a link to the site homepage, and the link to the agent services page ( XXXX ) on the homesite ( XXXX ) is currently locked, with technical support having sent me an email claiming it will fix the problem within 48 hours. At present however, neither the original claimant ( XXXX XXXX XXXX XXXX ) nor the debt collection agency have provided any documented proof of the debt, or given me reasonable access to it.
08/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27615	Web
XXXX XXXX sent my debt to a collection agency. The agency was called " XXXX XXXX XXXX. '' This agency sent me a letter stating that if I paid XXXX by XX/XX/18, that the remainder would be forgiven, and the balance be considered " settled in full '' and those words were in BOLD font. After reading the letter I received, I was given to understand that I would not receive a forgiveness of debt XXXX, that this was a " settled debt ''. I called in to confirm that this was correct, and identified myself and stated that I would do so. they wanted credit card payment but I stated I would be sending a check. They said it had to be received by XX/XX/18. I accepted the offer and complied. I sent the check on XX/XX/18, and it cleared my bank XX/XX/18 in the exact amount stated on the letter from XXXX XXXX XXXX XXXX XXXX. I was declined for a car loan yesterday by XXXX XXXX XXXX XXXX due to this derogatory information. I can only assume my credit score would be improved if this had been corrected in XXXX when it was paid. I went to a XXXX store today and was connected DIRECTLY from their store line XXXX to Diversified Adjustment XXXX, who ( Diversified Adjustment ) stated that they " had no North Carolina Insurance Permit '' and that I owed the remaining {$440.00}. They said that they had been assigned the debt on XX/XX/18, and specifically stated that XXXX had assigned the debt to them. I am also enclosing an email from Diversified Adjustment dated today showing my debt is marked " no balance due. ". As I was inside the XXXX Store ( 3rd party retailer ) the Customer Service Agent heard the Diversified Adjustment person say that " only XXXX '' could correct this and the XXXX person say that " they had no control '' over this debt. It appears that XXXX sold this debt twice. It was clearly assigned to XXXX, XXXX and I met their offer and timely replied. XXXX gave it back or sold it to Diversified Adjustment. I even got an email today showing a " confirmation number '' of paid in full from XXXX. Settled in full means settled in full. It doesn't mean another go round. My bank, through their online bill pay system put the phrase " payment on account '' instead of " payment in full settlement of a disputed amount '' on the memo line. I was unfamiliar with the online bill pay system and put the " comment '' field different from the " invoice '' field, and so it did not say " settled in full '' on the check, but my bank has an internal record of that request. I am not upset at the bank, they did their part and sent the check to the collection agency.
10/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 379XX	Web
I was first contacted by Diversified Adjustment Service , Inc. on XX/XX/XXXX by email concerning an alleged debt owed to telecommunications company XXXX for {$25.00}. I responded to them by XXXX mail and email on XX/XX/XXXX asking for validation pursuant to FDCPA. I wanted to know why they thought I owed this amount and was legally obligated to pay it. They responded on XX/XX/XXXX with an " XXXXtemized Statement '' that simply listed an " Unpaid Balance '' of {$25.00}. I responded to them on XX/XX/XXXX, again via XXXX mail and email, and stated their response was insufficient. I again asked for validation pursuant to FDCPA and further explained that I paid my account with XXXX in full on XX/XX/XXXX so there was no reason for them to send a bill on XX/XX/XXXX stating an " Unpaid Balance ''. Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA I demanded they provide me with competent evidence that I am indeed the party that owes the debt and that I have any contractual obligation that is binding on me to pay this alleged debt. Per the FDCPA, I also asked them for the following : Agreement with your client that grants you the authority to collect on this alleged debt. Proof that, as you stated in your in email to me, that I gave you permission to contact me via email. Proof that your agency is licensed to conduct business in the state of Tennessee. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims that have been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. They responded to my letter on XX/XX/XXXX with yet another " Itemized Statement '' and none of the information I have repeatedly asked for. They also continue to harass me by telephone even though I asked them not to. I sent them another letter today, XX/XX/XXXX asking them once again to send me the information that I have asked for and to stop contacting me by telephone. I also informed them that I would be filing this complaint. I am attaching copies of all of the correspondence with them to this complaint. Thank you, XXXX XXXX
11/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11221	Web
A XXXX XXXX XXXX representing XXXX ( XXXX XXXX XXXX XXXX XXXX ) has dinged my credit score for a XXXX Time as of XX/XX/XXXX ( See enclosed ) This matter has taken my score from XXXX to Less than XXXX. It is extremely disturbing the recycling un-validated debt is the new scam. XXXX mobile has done nothing to protect their current and past customers. A XXXX Retention Agent called be, apologized for the matter and waived the final amount. This my fifth time sending letters of dispute to each Credit Agency and XXXX. During my most recent call with XXXX, I was asked if I had written confirmation of the devices and payments being addressed. When I stated Yes I was placed on HOLD for XXXX Hour and XXXX minutes. Enclosed is a screen shot of my call with XXXX ( XXXX hours ) XXXX Representatives and no one could explain why my account was in collection. Payment ( s ) Made Line XXXX XXXX XXXX Amount Due as of XXXXXXXX Account Closure XXXX XXXX Line XXXX XXXX XXXX Amount Due as of XXXX Account Closure XXXX XXXX XXXX Total Due for XXXX XXXX XXXX XXXX XXXX account XXXX XXXX. Thursday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX to Account Confirmation #. XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX. Friday, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX Payment # XXXX XXXX Final Amount Due to XXXX The supporting documents entail : 1. XX/XX/XXXX ( XXXX XXXX ) Disputed Charges Letter 2. XX/XX/XXXX, XXXX XXXX debt is Valid XXXX XXXX States No Longer Handler of Account ( F ) 3. XX/XX/XXXX, XXXX XXXX for ( XXXX XXXX ) XXXX XXXX 4. XX/XX/XXXX, XXXX ( XXXX ( XXXX ) Billing for XXXX XXXX and XXXX XXXX ) $ XXXX 5. XX/XX/XXXX, XXXX ( XXXX XX/XX/XXXX ) XXXX Dispute Letter 6. XX/XX/XXXX, Accounting of Payment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 7. XX/XX/XXXX, XXXX XXXX 8. XX/XX/XXXX, Purchase Receipt of XXXX ( XXXX XXXX ) 9. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX 10. XX/XX/XXXX, Account Status Request XXXX 11. XX/XX/XXXX ( XXXX Cancel Account ) XXXX XXXX. XX/XX/XXXX ( XXXX of Devices ) 13. XXXX XXXX _ Consumer Financial Protection Bureau ( Initial Complaint ) Please investigate this matter and email me a full and complete accounting of my accounts. Do let me know you are in receipt of this email and each of the attached files. XXXX XXXX XXXX
07/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02121	Web
HI DIVERSIFIED ADJUSTMENT SERVICE ; Im confused and stressed and 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
12/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77016	Web	Older American, Servicemember
XXXX XXXX Fri, XX/XX/XXXX at XXXX PM alert shows Im a possible data breach victim. Demand is Made to DIVERSIFIED ADJUSTMENT SERVICE, INC. for verification of my signature ( the same on my Texas Driver License and Form XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX that I signed on XX/XX/XXXX ) that matches my signature that authorized commencement of the alleged XXXX past due payment. My attached XXXX, XXXX and XX/XX/XXXX XXXX XXXX summaries display the following Bill summary Total amount due : {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} {$110.00} Due immediately : {$110.00} Due by XX/XX/XXXX : {$.00} Please note the following XXXX alert sent to me : XXXX XXXX : We found your info in another company 's data breach. XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX PM Hi XXXX, XXXX XXXX XXXX Identity Monitoring service routinely checks to see if your email has been in a data breach. It looks like your personal data may have been compromised, not at XXXX XXXX, but in at least XXXX data breach affecting another company. It's not safe to use these passwords Stop using them ASAP especially for accounts that have sensitive info ( like your banking app or email ). Exposed password ke*** Exposed password XXXX XXXX data breaches Review the breach details to see what happened and what you should do about it now. XXXX XXXX Reported XX/XX/XXXX XX/XX/XXXX XXXX Reported XX/XX/XXXX User Device XXXX Addresses Reported XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Emails Reported XX/XX/XXXX Data Enrichment Exposure From XXXX Customer Reported XX/XX/XXXX XXXX XXXX XXXX/ XXXX Reported XX/XX/XXXX Marketing Database Leak Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX SMS Spam Database Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX AP XXXX XXXX XXXX XXXX List Reported XX/XX/XXXX XXXX XXXX XXXX XXXX List Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Voter Database Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXXXXXX Reported XX/XX/XXXX XXXX XXXX XXXX Spam List Reported XX/XX/XXXX Email Data List ( Email List ) Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Spam List Reported XX/XX/XXXX XXXX XXXX XXXX Feed Spam List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Systems Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX 2013
10/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02860	Web
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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33125	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Diversified Adjustment Services Inc. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/2020 Re : Social Security Number : To Whom It May Concern, This letter is regarding account XXXX, which you claim This is my account and its placed on collections. This is formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
10/15/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48503	Web
Diversified Adjustment Service, Inc. ( hereinafter DAS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. DAS lacks a bonafide and meaningful relationship with me, meaning DAS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by DAS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, DAS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, DAS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that DAS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from DAS, I was able to mail them a notice of dispute more than 30 days ago, and requested that DAS provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that DAS responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that DAS provide me with the name or names of the person or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
03/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30097	Web
I had a complaint with a company called XXXX XXXX XXXX - Acct # XXXX that was collecting a debt on behalf of XXXX in the amount of {$2400.00}. They were sent a certified debt validation letter on XX/XX/XXXX to provide validation of debt in which they failed to provide the following documents : An explanation of what this alleged account balance is for. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. Documentation showing, I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. A copy of your state license, including license number. Due to the debt not being able to be validated they removed the collection from my credit reports. I now see a the same collection for XXXX with with a different collection agency " Diversified Adjustment Service , Inc. - Acct # XXXX '' collecting in the amount of {$2400.00}. This company was also send a debt validation letter on XX/XX/XXXX requesting them to provide the following documents above. The company proceeds to send me a bill and a lease agreement with and address in OHIO that is not affiliated with me nor belongs to me. I also included a police report to this company advising I have filed a fraud report and this debt does not belong to me. The documentation that was provided by not only XXXX XXXX XXXX ; but from Diversified Adjustment Service Inc. as well are entirely inaccurate and incomplete. I have no knowledge of this debt and this debt does not belong to me. Just as the previous company could not validate this debt and removed from credit report ; Diversified Adjustment Service Inc. should do the same as well as they are selling these debts to different agencies when they have failed to validate these debts in compliance of the FDCPA guidelines 15 U.S.C. 1692. I asked that if they could not validate my debt by providing the following documents within 15 days of this complaint they will need to remove from my credit reports or I reserve the right to sue their company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted. I have also included proof of my signature which DOES NOT match with the same documentation sent to me by both XXXX XXXX XXXX and Diversified Adjustment Service Inc.
07/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web	Servicemember
Diversified Adjustments is the debt collector and they added an exorbitant amount to my credit reports even after I sent a certified letter to them requesting validation. This debt collector added the debt to my account without allowing me time to dispute the items. I was in the middle of trying to apply for a home loan because I am homeless and they ruined my credit score. They initially put the item on XXXX. After I sent them a letter they put it on my XXXX report as well. Diversified Adjustments also sent an email to my work address indicating per my request, which I requested a letter be mailed to my Post Office Box. When the request for validation came through they did not follow policy in the timeline set forth by the Fair Debt Collection Practices Act and I did not receive the actual contract only a bill ; the other added issue is that they sent an email to my employee email address. The cancellation of the contract by XXXX cancelled any permissions previously given. XXXX XXXX and Diversified adjustment certainly did not have permission to contact me via my employer business email, which could cause me to be terminated because of the nature of my job. I provided my PO Box to them via certified mail. XXXX also charged every card that I ever had on file without permission, in attempt to collect a debt I do not believe I owe. They also attempted to charge my mother 's credit card and she received a fraud alert. I also received many fraud alerts. XXXX also added without my permission another account to this account. I also spoke with the reps. at length and discussed that XXXX of their reps. in Texas added another phone to my account without first asking me. My deaf daughter went into a store in Texas and they attempted to contact me but was not successful and they still added the account in my name instead of using my daughters or her fianc. They did not explain to my daughter and her fianc, the cost of the phone or the fees they would have to pay. My daughter and her fianc are deaf and they use XXXX XXXX XXXX to communicate. I also told the XXXX XXXX that the phones were severely damaged and/or lost. They were very insensitive to those set of facts and are still trying to charge me for lost or damaged phones which we can't locate without the phones being turned on and connected to XXXX per the XXXX representative I spoke with.
08/11/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11757	Web
I owed XXXX XXXX a {$3200.00} balance, in XXXX I negotiated with Diversified Adjustment Service, INC ( DASI ) the collection company for {$2100.00} to settle the debt. My bank XXXX XXXX XXXX prepared the Bank Check and sent it to them with my Account # on it. Approx 3 weeks later, my credit union received the check back with the attached letter. The letter stated that they are no longer handling the account, send payments to " XXXX '' ... and listed the address. My bank did exactly that ( attached is the " new '' check and that same check after cashing ). After a few weeks I noticed that I received no notification that this was paid, so I called XXXX. I advised them that a check was sent to them, deposited, but my debt is still outstanding. They advised me that they never received a check!! As I stated, my account was for XXXX XXXX not XXXX. I advised them of the letter that they wrote to my bank, and that the check was cashed. They are stating to me that the check was sent back and the money put back into my bank account because the check was made out to XXXX, not XXXX. I then told them that " You are the company that told my bank to do that. '' and sent them the letter. I spoke to my banker she followed the direction of the letter, possibly thinking I made a mistake of the carrier 's name. I called my bank, the money was not deposited back into my account, the check was cashed and the money is gone. They attempted to have me pay them {$1500.00} now to settle. " I said no, you have {$2100.00} of my money, I'm not giving you more '' ... They said to me that they never received any check, and when I mentioned the letter again, they said " It could be another Diversified '' ... I asked with the same account number? I apologize for the " ramble '' What I am attaching with this is the email from them stating that they will settle for {$2100.00}, the letter that they sent my bank along with the check for my XXXX account saying they are not handling the account, an email from my bank to me, a copy of the bank check before and after being deposited my DASI.. I hope something could be done, I would like to be able to find this money and get it back so I can talk to XXXX and take care of this. Diversified cashed that check and the money is somewhere. Please let me know what I can do to help .. Phone : XXXX email XXXX XXXX
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 50208	Web
sometime around XX/XX/XXXX, this complainant and his family moved from XXXX Iowa back to XXXX XXXX in our new residence the landlord allowed us to keep electric his name until we could change it over at XXXX XXXX XXXX XXXX XXXX Ia. sometime around XXXX XXXX, XXXX ( 3 months later ) complainant paid his outstanding bill and had electricity transferred to his new address in his name at no time did XXXX energy tell me that they had sold my account to the collection agency ( diversified Adjustment ) without my permission to this violation of privacy and no rights to any previous bill as it was sold to a collection agency in violation of 15 U.S.C. 1681 sec 602 ( 4 ) PRIVACY VIOLATION XXXX essentially was paid twice for this account once by diversified and once by myself. not to mention they sold my info without my consent. about XXXX weeks later while checking my credit i noticed a collection from Diversified Adjustments who furnished this information to my consumer credit report with no contact whatsoever, in violating my privacy by buying my personal information, 1681 ( 602 ( 4 ) ) furnishing info without my express written consent 15 U.S.C 1681 ( c ) and by furnishing info they had not taken legal steps to do, never contacting myself, never giving an opportunity to have this validated or showing proof of ownership which they evidently do not have as XXXX accepted full payment, leaving us with this either XXXX XXXX me XXXX or Diversified Adjustments violated numerous laws in furnishing this info to XXXX consumer company. in violation of 15 U.S.C 1681 sec. ( 23 ) way to many for me to count when i noticed that this was on my credit report i contacted Diversified and informed them that they placed a collection on an account that had been paid they informed me that after they verified it would be removed XXXX years later XXXX i started working on my credit and see its still there contacted diversified again they informed me they were not removing and it would be there for some years. beyond XXXX double dipping and diversified opening itself to numerous violations under 15 U.S.C 1681n this should immediately be removed from my consumer credit report for the numerous violation of both XXXX XXXX and diversified. XXXX case # XXXX
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76179	Web
REF XXXX IM FILING THIS COMPLAINT AGAINST DIVERSIFIED ADJUSTMENT SERVICES. THIS DEBT COLLECTION COMPANY IS CRUEL RUBBED VIOLATED MY RIGHTS. THIS COMPANY HAS VIOLATED THE FCRA LAW. THIS COMPANY SENT ME A ALLEGE DEBT FORM FROM XXXX TO COLLECT A DEBT. ACCORDING TO THE FORM STATING TO SEND IT BACK BY XX/XX/2023 TO DISPUTE THE DEBT. AFTER I HAVE RECEIVED THE LETTER, I FILLED OUT THE FORM BY I WANT TO DISPUTE THE DEBT BECAUSE I THINK THIS IS NOT MY DEBT AND SEND IT ON XX/XX/2023 back. THE COMPANY RECEIVED MY LETTER ON XX/XX/2023 TRACKING NUMBER XXXX. HOWEVER THE COMPANY WISHED TO REPORT THE COLLECTION EVEN BEFORE THE ORGINAL DATE WHICH WAS XX/XX/2023. THE COMPANY REPORTED THE COLLECTION ON XX/XX/2023 VIOLATED MY RIGHTS. AS OF TODAY ANOTHER DEBT COLLECTION COMPANY SOURCE RECEIVABLE MANAGEMENT HAS REPORTED TO MY CONSUMER REPORT. 15 U.S.Code 1681s-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. The information is, in fact inaccurate. violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of informations, and 15USCode 1681q Obtaining information under false pretenses. ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH. You have caused me and my family severe harm due to your negligence and inaccurate reporting. YOU WILLFULLY KNOWINGLY REPORTED THIS COLLECTION TO THE CONSUMER REPORTING AGENCIES TO HARM ME. ITS OBVIOUSLY SHOWING THAT IT WAS DONE. I WILL SUE YOUR COMPANY FOR VIOLATING MY RIGHTS.
03/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75087	Web
I was looking at my credit report and notice that I had a collection account for a debt that does not belong to me. Then I notice that this account is the same account that several collection companies have tried to put on my credit file once a year ago XXXX and XXXX. Please see documentation attached. This collection company put this collection on my XXXX credit report on XX/XX/XXXX with false information stating that I had an account with them as of XX/XX/XXXX. I have never had an account with this collection company ( XXXX ) nor have I had an account with XXXX ( please see attached ). I reached out to XXXX on XX/XX/XXXX and expressed my concern with them just placing a collection on my credit file without any notification from them or this company ( Diversified ). This company also sent me a letter not even given me an opportunity to verify it but offering me a settlement. I never had a chance to dispute it and ask for documentation showing if this debt was mine or not. I also stated to XXXX that on XX/XX/XXXX and XX/XX/XXXX two other collection companies tried to place a collection on my credit file and they were removed on the basis this is NOT MY DEBT! Those collections were removed. It seems as if these collection companies buy debt and think that the consumer does not keep files. I submitted a complaint to you on XX/XX/XXXX, complaint number XXXX and another complaint on XX/XX/XXXX, complaint number XXXX. I have disputed this with XXXX and I am submitting a complaint with you all because my rights as a consumer have been violated and I am demanding this collection be removed from any credit bureau it has attached too. Right now I just see it on XXXX, but I am asking for a block of this collection agency and I am asking that XXXX be held accountable for allowing collection agencies continue to harm a consumer credit report file every year with causes my score to drop by several points and when the collection come off never given you back the same amount of points they took away. I am also demanding a monetary recovery for the time I have to fight to continue to watch the malicious tactics that XXXX does to consumer credit files. Please remove this collection from my credit file immediately. Thank you
01/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43068	Web
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim that DIVERSIFIED ADJUSTMENTS INC. is a entity that is entitled to enforce a claim against me by law, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, this account has already ben disputed before with a previous Third party collection agency, so during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail 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.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89128	Web
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. DIVERSIFIED ADJUSTMENT ( XXXX ) Account # XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00}
01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77373	Web
On XX/XX/XXXX I reviewed my consumer report and noticed an adverse item being furnished by Diversified Adjustment for an alleged debt owed in the amount of {$1100.00}. As of XX/XX/XXXX, diversified Adjustment had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. Diversified Adjustment can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 Diversified Adjustment must cease collection of the debt until Diversified Adjustment sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Diversified Adjustment is a furnisher under the Fair Credit Reporting Act. by law at the time of Diversified Adjustment being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, Diversified Adjustment shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ). It has been well over 30 days and Diversified Adjustment has failed to comply and respond to such notice and correspondence. Diversified Adjustment has failed to Diversified Adjustment has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, Diversified Adjustment can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Proof of Claim
06/20/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22041	Web
In violation of the Fair Debt Collection Practices Act FDCPA and/or Fair Credit Reporting Act FCRA and/or my state law as applicable, this business or as it seemed a collection company named Diversified Adjustment DA placed a malicious collection ( of undisclosed incorrect and/or negative information ) Within XXXX against my exceptional credit history ( I never failed to pay on time any business and my credit report show Zero missed payment a fact PROVEN BY XXXX ITSELF and As assessed by A different source as you can see in the attachments ) and without sending a single written notification disclosing complete information of the malicious information it used to causing me imminent and irreparable damages and losses. The unprecedented shocking is that DA is terrorizing and/or threatening me by phone repeatedly after It placED THE malicious information damaging my credit reputation and more other in violation of FDCPA and/or FCRA and/or privacy act and/or freedom of information Act and/or other applicable laws and/or acts. This company named Diversified Adjustment must contend of all the above is true and thus it must delete that now illegal, incorrect and/or threatening and/or wrong collection of incorrect retaliatory allegation that this company intentionally used to cause me harm recklessly without informing me in writing, without allowing me to dispute and any situation now Diversified Adjustment to assume full severe legal consequences for its illegal acts that it made against me in violation of all the above referenced laws and/or Acts. I also attached a document an important document that DA must contend to its facts that I supported with clear evidences are true and thus DA violated the law if DA did not prove with clear evidences that my every single fact of my facts are all untrue. To prove me wrong you must provide undeniable clear convincing evidence supporting to prove the opposite of every and each of my proven facts. ALL STATED herein is to my current states belief knurled and understanding and it is all subject to anything or any correction by my person only at anytime without prior notice and without waiving my rights.
12/11/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 850XX	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. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
09/03/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85340	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. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
10/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28278	Web
On XX/XX/2020, I pulled my credit reports to find a collection from DIVERSIFIED ADJUSTMENT, in which I did not recognize, claiming that I owed a debt for a phone bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor could not confirm that my information matched the information they had on file for the supposed debt. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts as I never had an account with this phone company. With this information I sent out a debt validation request certified ( attached documents ), requesting supporting documents be mailed to me within 30 days of receiving the debt validation request. This company never responded. I then attempted to contact the company directly, where I was met by a rude representative that claimed that I would just have to pay the debt for it to go away. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX and XXXX deleted the account after conducting its investigation. However XXXX stated the account had been verified. I requested a method of verification used by XXXX to validate this debt, they failed to respond and only issued another investigation, that came back as verified as accurate. I then bought a service called XXXX, that accurately pulls all 3 credit reports and compare the information. The comparisons were inconsistent being the collection agency was reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it can not be validated as mine. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I feel as if this company is taking advantage of me and is trying to force me to pay a debt that does not belong to me.
09/28/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 33596	Web
I used to have XXXX. I canceled them once I switched over to XXXX. Everything went smoothly, or so I thought. Months later I got a notice from XXXX that I owed over {XXXX}, I called and spoke to XXXX, who then transferred me to XXXX or XXXX ( XXXX XXXX or XXXX ) about the situation. Turns out that when my XXXX account was opened, they had a " special '' where you get XXXX free line when you open XXXX. So they opened the XXXX line on the account. This line was never used or activated with a phone because I had XXXX need for it ... and there is a record that that line was never used in over XXXX years that my account was open at XXXX. He let me know that this would be taken care of since I owed them no money, this was an error on their end for not closing down that line as well. Another couple of months later I got another letter from XXXX for the same thing, I called and spoke to another representative, a very nice lady, who went over the account and was able to verify that all the original information from my XXXX call was there written. She apologized for the inconvenience and said she would be contacting the original XXXX, XXXX or XXXX, to have this taken care of. I asked her to send me an email confirming this information but she said she couldn't, something about not being able to send external emails or such, but not to worry, it would be taken care of. Fast forward another month or so and I get a collection letter from Diversified a collections agency trying to collect over XXXX, a representative of theirs called me to collect the debt, I told her what was going on and that I was not paying anything because I owed no money, that they needed to contact XXXX to get the story straight. She was extremely rude and impolite, but said she'd be sending me a letter regarding the collection which I received a few weeks ago. I am at a loss at this point, I don't know what to do because I feel like I am being harassed for money I do not owe. I don't understand why it's so hard for people to do their job. This has brought so much stress in my life.
06/01/2023	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	TN 38111	Web
I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. As per FDCPA, you are required to provide this validation of debt within 30 days of receiving my written request. I believe that you, as well as XXXX, whom I originally entered the contract with, are violating 1692g by submitting incomplete information again to my credit report. This is a severe violation of THE FALSE CLAIM ACT, and I urge you to correct this immediately. Moreover, I would like to bring to your notice that XXXX did not adhere to the law of 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( F ), which includes an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period, which began on XX/XX/XXXX, and ended on the later of 120 days after XX/XX/XXXX, or after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminated. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action.
09/02/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 79936	Web
Please accept this letter as notice that you are in violation of breach of contract, negligence, Billing Error, negligence, false reporting, selling the contract. verifying account without providing account level documentation. Hidden fees, Deceptive cancellation, Location Data Selling, Data Breach, False reporting, selling the contract without taking me to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. date the above inquiry ( ies ) not yet documented have NOT been demonstrated with adequate demonstration of required PHYSICALLY VERIFIED PROOF OF THE ADEQUATE and legally ACQUIRED PERMISSIBLE PURPOSE as result of report review requested by myself and or any person, persons, or entity else wise legally with the rights of Permissible purpose above and or beyond my knowledge and or authority. Being not provable of mandatorily substantiated Permissible Purpose from the exact and identified me, the allegation of inquiry ( ies ) can not be assumed COMPLIANTLY recited nor any direct and or indirect injurious account claims assumed COMPLAINTLY believed. Further, given the above suggested deficiencies, any assumption ( s ) of verifiability much less validity of claim ( s ) can not be assumed factual, and I here now today DEMAND total and permanent ERADICATION of the flawed expressed inquiry ( ies ) and any and all allegations of injurious account reporting ( s ) there by associated, directly or indirectly, mentioned here or not, veracious or not because CERTIFIABLY COMPLIANT REPORTING OF ONLY PHYSICALLY VERIFIED authentic CORRECT replete and fully VALIDATED claims is the LAW and STANDARD OF ACCEPTABLE LAWFUL REPORTING PRACTICES. You now any being has the right to be derelict in reporting and you can NOT justifiably cling to any suspect or recklessly poor information, particularly claims contested by the injured consumer such as I am doing here and now! In advanced I thank you for your willing action to return to total compliance of reporting.
08/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DC 20002	Web
I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Diversified Adjustment. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. I want to make it clear that I have not granted Diversified Adjustment authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ). 2. Provide sufficient and documented evidence of the validity of the alleged debt. 3. Remove any and all references to this alleged debt from my credit report. Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to TILA, FCRA, and others. Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. Sincerely, XXXX XXXX
09/29/2021	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	NY 10475	Web
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name, XXXX, XXXX XXXX XXXX and I have been appointed and accepted being the executor both public and private for all the matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; The telephone number XXXX is associated with debt collector XXXX XXXX XXXX which has initiated contact with me, the consumer, via telephone communications received at my dwelling at XXXX XXXX EST on the date of XX/XX/2021. This is a violation of 15 USC 1692c ( a ) ( 1 ) as it is never a convenient time for a debt collector to contact me. Also pursuant to 15 USC 1692c ( a ) they would need prior consent given to them from me to contact me, I have given no such permission orally, written, or otherwise communicated. This is a violation. 15 USC 1692b ( 1 ) they did not call to confirm or correct address, nor did the representative identify herself. This is a violation. 15 USC 1692b ( 3 ) I never requested to be contacted by XXXX XXXX XXXX. This is a violation. 15USC 1692b ( 5 ) The representative used language that indicated the collection of a debt. This is a violation. 15 USC 1692c ( a ) ( 3 ) can not contact me at my place of employment without consent from my employer. I am my own employer and my place of employment is my dwelling. I never gave my location or permission to contact me. This is a violation. 15 USC 1692d ( 2 ) The representative used obscene and profane language in the telephone communication. Congress does not and can not define what obscene or profane language is to me, so most certainly no one else can constitute what is obscene or profane to me. This is a violation. 15 USC 1692e ( 11 ) The representative failed to disclose that it was an attempt to collect a debt. This is a violation.
01/12/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32073	Web	Servicemember
XX/XX/XXXX - My wife and I decided to switch from XXXX to XXXX XXXX XXXX. XXXX service was very spotty when I was XXXX overseas. XX/XX/XXXX - We make the switch to XXXX XXXX XXXX and pay off our phone contracts with XXXX XX/XX/XXXX - XXXX sends an email asking us to return and promising monetary compensation for returning. XX/XX/XXXX to XX/XX/XXXX - XXXX continues to send us bills even though we remind them each time we have paid for our phones in full and paid our final bill. XX/XX/XXXX - I am informed that XXXX has sent the bill to collections. XX/XX/XXXX - Diversified Adjustment Service contacts us. I explain that the bill should have never been sent to collections with evidence XX/XX/XXXX - I begin the dispute process with the 3 credit bureaus. XX/XX/XXXX - XXXX investigated and deleted the account from my credit report. XX/XX/XXXX - XXXX investigated and did NOT delete the account from my credit report. They instructed me to contact CFPB with my evidence. XX/XX/XXXX - XXXX investigated and deleted the account from my credit report. XX/XX/XXXX - Diversified Adjustment Service contacts us. I explain I have disputed the account, successfully have gotten it removed from 2 out of 3 reports, and I will keep working to get it removed from the third. Diversified Adjustment Service threatens us that they will keep shopping around the debt and keep reporting to all the credit bureaus if we dont pay. XX/XX/XXXX - My XXXX XXXX contract ends. I began the process of switching to the reserves to continue to serve my country. To do so, I am required to hold a secret security clearance. Having this account in collections threatens my clearance. I am very concerned I will not be able to provide for my family because of this false debt. XX/XX/XXXX - I received another collections attempt from a different company called XXXX XXXX XXXX which leads me to believe Diversified Adjustments Service has followed through on their threat.
11/28/2018	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77498	Web
After reviewing your letter and several disconnect which you have presented in your last letter. I have demanded for facts and you have instead relied on hearsay without evidence. The account is # XXXX and the unverified amount you are demanding is {$320.00}. First, I have no contract with XXXX and no agreement has ever existed. XXXX has never presented any agreement or claimed any contract exist. Please be advised this is my Third Written request and warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and section XXXX regarding your continued willful and negligent noncompliance. Despite two written request, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. As at today, XX/XX/2018, nothing shows on my credit this debt is disputed which is a clear violation of the 30days period. Furthermore you have failed to provide the method of verification as required under section XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not be verified. The law is very clear as to the XXXX liability and the remedy available to me ( section XXXX & XXXX XXXX if you fail to comply with XXXX XXXX. I hereby request for the details and the information of the person in your company to send the law suit to resolve this issue in court. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I repeat and request you to provide me the address of the person to send the law suit to be in court.
12/15/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 452XX	Web
I returned modem/router to XXXX XXXX 1 1/2 to 2 1/2 years ago but have maintained their internet service until late XX/XX/XXXXI did so with my own linksys router. The XXXX modem/router ( that I returned ) lacked the security that I required. I paid all service fees and thought I was free and clear. They claim that I never returned modem/router and that I owe approximately {$120.00} for a modem that they lost. In XXXX of XXXX I disputed the non-returned modem. XXXX XXXX launched an investigation and concluded that the modem was never returned ; and I have to pay {$120.00} or give the modem back. I told them I was not going to pay for something I returned. They said I left them no choice but to send me to a collection agency. In mid XX/XX/XXXX I received letter from Diversified Adjustment Service indicating that I owed {$120.00}. I called Diversified in the first week of XX/XX/XXXX and told them that I dispute the claim. She noted the dispute verbally and said that she would get verification. I explained the situation and that I was not going to pay for a modem./router that I know I returned. I asked her if she would pay if she were in my situation. She responded that they would hold the money as a credit until the issue was resolve. I responded with ; your asking me to trust a company that has already misplaced a their own equipment? No, I am not going to pay for the mistake of somebody else. Today, XX/XX/2017 I get another call from Diversified telling me that I owe XXXX dollars. Again, I said I dispute the charges. This time she said that she could reduce the charge to {$70.00}. Again, I said would you pay for something that you knew you returned. She said she might. She knows collection agencies : they will keep calling and will notify credit agencies. I said that was criminal ... That 's extortion. She sensed my anger rising and said goodbye.
04/29/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
Dear CFPB, Diversified Adjustment Service sent me a letter dated XX/XX/2018 demanding for a debt of {$320.00} for which no information or knowledge to such debt was affirm. I requested for validation of such debt and none was sent beside an itemized bill to which I challenged looking at the inaccuracy. No communication on phone was made and I demand all letters are certified. Diversified demands money for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited. Please whereas no exchange of money of goods or services occurred between XXXX XXXX and Diversified Adjustment, therefore XXXX XXXX cites failure of consideration and request the following. Please explain why they demand for such debt. I responded to their request on asked for validation and they never validated the said debt within the required the 30 days period on my credit report. But they instead sent a bill. Meanwhile, I do not have a contract with Diversified and no service have been provided by them to XXXX XXXX, I demanded for their right of subrogation and they instead continued reporting on my credit report as if I owe them debt. And they put in dispute after 45 days which is a violation of Federal law as the required period is 30 days. I hereby request Diversified Adjustment to explain to me why they violated Federal laws of the 30 days period, delete my account and explain why they are reporting inaccurately without providing me their right of subrogation. I also want diversified to know that their inaccurate reporting has cost me huge interest and credit denials and as such I request that diversified compensate me with {$1000.00} for violation of federal laws by reporting inaccurately, and by falsely representing on debt to which they have no said claim. Attached are proofs of communications. XXXX, XXXX
01/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 38135	Web
I have been getting calls from this company - diversified adjustment services inc for quite a while. Potentially over a year, but I can not confirm if they were the original company. So I will stick with the current actions. I began receiving calls from local XXXX number 's that would hang up when I answered them. Sometimes the caller would call back and sometimes they would n't. Eventually, I learned that this company, Diversified adjustment was trying to contact me on a debt they said I owed to XXXX. Over the course of several weeks and 4-6 calls per day, I attempted on at least 3 occasions to request a letter showing who they were and what they said I owed because I was n't going to just pay some outrageous amount to some random phone caller. This request was denied repeatedly until last week when one agent finally agreed to send me a letter. I received the letter today and it implies that I have agreed to some payment arrangement and they expect my payment of XXXX $ on XX/XX/18. At no point did I agree to anything, Since they record calls I know they have this recorded, I also have the call recorded as well so they ca n't weasel out. As this is the first time I have seen a written request of this debt, I believe they are trying to remove my ability to contest the debt. At this point, no other action has been taken by the company other than the continued calls from a multitude of # 's. They did inform me on one call that they have over 150 lines that they call from. I was informed by the XXXX agents that I had already received a letter and would not get another one. I find this tactic to be extremely shady and I will be contacting them requesting formal evidence of the debt so that I may review and confirm if it is actual debt, but I am taking this proactive approach because that is what you have to do with shady companies like this.
12/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 34953	Web
DIVERSIFIED ADJUSTMENTS XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED ADJUSTMENTSor any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED ADJUSTMENTS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
12/18/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
I signed up for a 30-day no-cost trial of XXXX XXXX XXXX XXXX XXXX service through a field sales representative who knocked on my door. The service started on XX/XX/2023 and I cancelled within the 30-day period ( on XX/XX/2023 ). The equipment was returned via the shipping box that XXXX sent out shortly thereafter. Since XXXX, I received every month a bill for {$58.00} that should never have been charged. I called XXXX XXXX XXXX, every time a representative assured me that a credit would be issued in the next billing cycle to XXXX out the account balance and it never happened. XXXX confirms that the notes on my account confirm my version of events, however they refuse to provide anything in writing that confirms this. They then sent the account to collections in XX/XX/2023 and reported to the credit bureaus incorrectly that there is a debt that is unpaid. I have since paid the {$58.00} dollars alleged balance on XX/XX/2023 in the hopes that it may reverse the credit bureau situation while I pursued a refund from XXXX. There is now a collections notation showing on my credit report which is incorrect and should be removed. XXXX is at fault in not crediting my account as they agreed to. If anything, I should be given a refund for the {$58.00} that I have paid to try and make this go away. XXXX is telling me they can not reverse the negative citation on my credit report and directed me to the credit bureau ( XXXX ). I disputed the situation with XXXX and they came back that they have contracted XXXX and confirmed that the information provided by XXXX is accurate and that if I still disagree then I should be talking to XXXX. Everytime I talk to XXXX, the customer service representative states that they see the notes confirming my version of events and then try to transfer me off to one department after another.
02/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28208	Web
Diversified Adjustments Re : XXXX Thank you for taking the time to review the complaint regarding the publishing of harmful data on the credit profile. Multiple attempts have been made to request a series of questions regarding this information. I have previously demanded that your company validates the above-listed item. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). As you know, your firm knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. Your inaction makes it apparent that you have failed to use reasonable care regarding this matter. You have failed to use even minimal procedures to ensure that I was not harmed by your dissemination of inaccurate information or which can not be validated. Specifically, you have communicated and are continuing to share incorrect and defamatory information to third parties, including, but not limited to, XXXX, XXXX, and XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( XXXX, XXXX, and XXXX ). As I am currently attempting to apply for credit, time is of the essence. Be advised that if this matter is not resolved in 30 days, I will take any necessary steps to protect my rights, including, but not limited to, the commencement of legal action. Thank you in advance for your immediate attention to this matter.
08/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11379	Web
Hello, I closed my account with XXXX in good standing in XX/XX/XXXX. Services were deactivated and I was informed that I will not receive the credit for unused service. I had a prepaid no-contract cell phone plan ( {$25.00} plus taxes ) with XXXX and made the first payment of {$67.00} on XX/XX/XXXX. Had a scheduled auto payment and have been billed monthly. The last payment of {$40.00} I made was on XX/XX/XXXX. The account was closed, and my auto pay was deactivated. Unfortunately, XXXX kept billing me and without any notice sent me to the collection agency. I did not realize that my debt was in collections until I checked the credit report prior to my employment background check. I disputed the above with XXXX and XXXX. XXXX but have not received any correspondence. According to the credit report the XXXX. XXXX, XXXX account was opened on XX/XX/XXXX but XXXX sent me an E-Bill on XX/XX/XXXX with my balance of {$130.00} still incurring late payment fees. According to XXXX, I have an unpaid balance for XXXX, XXXX, and XXXX of XXXX. Firstly, the account was closed in good standing in XX/XX/XXXX. The last full monthly payment was made on XX/XX/XXXX. After service activation, I was billed for two full months in advance. At this point, I do not understand how I can be billed for services never received and for months ( XXXX and XXXX ) I paid for the prior termination of my account. After an investigation, the collection entry was removed and XXXX placed me with another collection agency, Diversified Adjustment with a balance of {$140.00} or unspecified balance. Why does the balance of my collection account keep going up? I am looking for help with the abovementioned, as I can not be liable for services I have never received and sent to collections on services I already paid for.
08/29/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 11234	Web
I initially received communication via phone from this company back in XX/XX/XXXX. Specifically, on XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative and asked them to send me verification of the debt they claim that I owed. I did not hear from them again until XX/XX/XXXX when I informed a representative who call that I never received verification of the debt. I received a phone call from the collector on XX/XX/XXXX and XX/XX/XXXX regarding the alleged debt and I explained that once I receive verification, I will review it and if I deem payment necessary I will make the arrangements at that time. I received an email from the collector on XX/XX/2018 with the information. I have received repeated and harassing phone calls from this collection agency on the following dates : XX/XX/XXXX, XX/XX/XXXX, on XX/XX/XXXX I spoke with the representative and they told them to stop contacting me until I review the information sent to me and then I will make arrangements with them. However, I continued to receive phone calls on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, twice on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two times on XX/XX/XXXX. The numerous and repeated telephone calls are completely against the law and I have previously spoken with them and advised that what they were doing is against the law. At this point, I want to take legal action against them for damages for continuously harassing me almost on a daily basis after they have already received communication from me and which I told him I will review the information and if payment is necessary, I will make the arrangements. I have a job which requires me to keep my phone on and these calls are interfering with my ability to work.
04/01/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08861	Web	Older American
I had an account with XXXX for a while. Last year, I decided to switch carriers. XXXX tried unsuccessfully to get me to stay with them. I said no. After my lease was up, I was told by XXXX that in order to return their devices to them, I had to wait for their packaging to arrive. When it did not come, I called NUMEROUS times only to be told that it would come. In the meantime, they turned the bill for the devices over to Diversified Collections. I explained to them the situation. XXXX said I owed them {$1700.00} which was totally incorrect. In the meantime, they were still charging me monthly even though my lease was up and I had another carrier. Diversified threatened to show this on my credit report. I explained to them that XXXX never gave me credit for the devices and they were charging me monthly, in error. Diversified said XXXX never received the devices. After I produced the paperwork from XXXX stating they had received the devices, they changed the amount I owed them to {$980.00} which was still incorrect. I told them to correct the mistake on my Credit Report. They asked how much I would settle with. I told them at most, {$200.00}. I told them to send me something in writing confirming that if I paid them {$200.00}, they would consider the debt paid in full. They said no, send us the money of things will stay the same. This collection account hurt my credit score and is causing me misery and they refuse to have XXXX send documentation supporting their claim of this ridiculous amount of money they claim I owe them. Diversified has the most unprofessional, rude, inconsiderate agents I have ever come in contact with. They are wrong and I would like for something to be done and have them reverse this erroneous information from my credit report. Thank you.
09/27/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	VA 23320	Web	Servicemember
After multiple attempts to fix my service with XXXX XXXX I finally cancelled the service because I needed a steady and trustworthy internet connection for my work. XXXX auto debited my credit card on XX/XX/2023 in the amount of {$270.00}. My normal monthly amount is {$100.00}, and I was not under any contract. I never received a printed bill for what the charges above the {$100.00} were and my online access to my account had been terminated as soon as I cancelled service. I called XXXX XXXX XXXX times after that to request a copy of the billed amounts ( Phone logs were made available as validation ). I received nothing. I disputed the amount over the normal {$100.00} with my banking institution. XXXX XXXX was notified by my bank and after 2 months I received a letter from my bank validating that XXXX XXXX agreed the debt was not mine and I received a credit for the total amount disputed. Since then, Diversified Adjustment Service , Inc. has purchased the amount that I was awarded from my banking institution, as debt I owe XXXX XXXX. I notified Diversified of the dispute and letter from my bank and sent them a copy. They have not stopped trying to collect the debt. I also notified them I have still not received validation of what XXXX XXXX was charging me for ; Diversified sent me a paper copy of a XXXX XXXX Bill with just a $ amount and no breakdown of what the charged amount was for. I reached out again to remind them of the disputed debt with XXXX XXXX that XXXX XXXX agreed was not mine and that the verification of debt was not completed without a detail of what the debt entails. They are still continuing debt collection, well aware that a federally insured bank and XXXX XXXX have validated this debt as not mine.
04/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 128XX	Web
On XXXX a XXXX XXXX XXXX account in my name that was paid through Diversified Adjustment Service INC. Account was settled with documentation from XXXX XXXX VP of Operations and stated that the account would be dropped from all National Credit Bureaus. Account was then sent to XXXX XXXX. XXXX XXXX XXXX, Fl XXXX where I furthered paid dating on XXXX an agreed upon resolution of {$350.00}. Then in XX/XX/ hd seen XXXX show up on my credit reports. I resolved it another time through them. Not recalling the previous payments through Diversified and skeptical of weather I had paid it through XXXX previous. I set up another payment arrangement of {$220.00}, I paid the amount in two payments. Last payment being on XX/XX/. I have not received validation from XXXX other than seeing the payments drafted from my personal checking account. XXXX Called XXXX several times starting at XXXX XXXX aprox EST. Spoke to representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each representative gave me an email address to send the documentation of the account being paid previous to XXXX and through XXXX along with the amounts paid to XXXX to close and handle the account. An account that was previously paid for. All email addresses came back as invalid addresses through my gmail account. Documentation was noted and pictures of the returned emails have been logged. I was lastly told via XXXX XXXX that there would be no refund issued as I explained that this account was paid in full through Diversified XXXX XXXX XXXX. I was then dispatched to another tier management, where a message was left. Messges have been left previously with no return consultation. The referenced account through XXXX is XXXX Diversified Adjustment Services INc XXXX XXXX
08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34772	Web
On XX/XX/XXXX, I sent notice to XXXX XXXX, CEO & XXXX XXXX, SENIOR VICE PRESIDENT to cease and desist any action to defame my character ( attached ). This was sent certified mail and confirmed received on XX/XX/XXXX. No response was provided from this company. The company was notified that if they failed to respond within 21 days, they accepted the debt in question as their own. Today, XX/XX/XXXX I noticed that their company has officially defamed my character on my consumer reports without consent. Not only did I try to communicate with this company to amicably work to an appropriate solution, but I also gave them notice of what would happen should they harass me in the future. These are violate business practices. Their initial document had no date, it provided no proof of their allegations, they provided no tax documentation to support their claim, and their company is not a law firm. The company decided to harass me further by harming my credit report. This is pure harassment. There is plenty of precedent that has been set by multiple honorable courts that these actions are subject to remedy in the eyes of the law. Further, this is no excuse for this companies ignorance of the law as can be seen by over 200 years of precedent. All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. I am not sure why this company has chosen to harass me, but as mentioned in my letter sent certified mail, I informed the company of what would happen.
03/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60172	Web
In XX/XX/XXXX i got an alert from XXXX that Diversified Adjustments had put a collection account on my credit report. By law, they must notify me in writing of the debt. I have 30 days to review the information they are claiming, and dispute it if needed before adding it on my credit report. They violated my rights under the fair credit reporting act! They never sent me any notification of the debt, instead, they put it on my credit report without sending me any information of the debt! Also, i do not owe XXXX anything close to that amount. This account was for a phone line that was opened in XXXX, and closed in XX/XX/XXXX. This was for a flex lease and the phone was returned back to XXXX. This phone was never properly credited back to me. Any amounts owed was paid! This is unlawful! Also, they are trying to reage this debt by putting the wrong original delinquency date! By law, they must keep the original date of delinquency of the original debt no matter what! This must remain the same no matter who owns the debt! I have enclosed a copy of this information! My services had ended in XX/XX/XXXX, and the date of first delinquency was in XX/XX/XXXX, the final bill was printed in XXXXThey are trying to add on a year from the original delinquency date! I have contacted Diversified by mail, and have not heard anything back from them. They have a number of complaints on the XXXX Website for fraudulent activity over debts! I have rights and have a right to dispute any information that i believ to be inaccurate and they violated my rights by not sending me any notification and adding it on my credit report before i had a chance to review the information! The date of first delinquency date is inaccurate!!!
10/28/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 32958	Web	Servicemember
On XX/XX/20, I received a phone call At XXXX from a number saying it was from XXXX Fl. I was in a meeting and could not take the call. My parents contacted me shortly after stating XXXX XXXX XXXX called them at XXXX asking for my phone number. My father has XXXX XXXX and is receiving treatment from XXXX XXXX XXXX. I attend most of his appointments and have been applying for assistance to various organizations for his medical expenses. I expected the call the be in reference to that and attempted to return the call today, XX/XX/20. The call was not answered as XXXX XXXX XXXX ( which uses a XXXX Fl Number also ) so I asked the name of the company. The ladys phone kept cutting out so I asked several times and the best I could gather was Diversified adjustments. After telling the person to never call again, to my parents or to me, and to remove me from their list, I hung up. I then went online to try to research to find out the type of business. It appears they are a collection agency, but I could have the wrong business name. To the best of my knowledge, I have no outstanding debts unpaid that should require a collection agency to be contacting me. Ive received nothing in the mail and nothing is on my credit report. I am appalled that any agency would mimic a cancer center calling. My father is elderly, XXXX XXXX XXXX XXXX and has numerous phone calls coming in from unknown numbers daily with doctors following up on his treatments. I dont know if this situation qualifies under this report, but something should be done. My parents are now going to be leery of answering unknown numbers but must do so to keep in contact with his doctors. Its sickening that this company would do such a thing.
01/19/2024	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	FL 33064	Web
I went to a XXXX company branch in XXXX to end my services with them. The month had just begun on the third day of the month. What happened, I canceled service at the store with a representative who gave me what I owed. and I paid it, the representative estimated almost two weeks for me to pay and pay, then almost a month later he sent me a letter issued on XX/XX/XXXX account number XXXX XXXXXXXX that I owed him {$49.00} for the letter from XXXX XXXX XXXXXXXX I tried to contact them and they did not respond days later I called again and they told me that they do not have my information, what did they feel? I thought, well, I shouldn't, and to my surprise, I received another letter from a Collections company telling me that I owed them something. to XXXX the amount of {$82.00}, they told me that I should send them proof so that they could verify that if there is an error, show it, send them proof of the letter from XXXX with what I supposedly owed and before the date they requested that I had to send was on XX/XX/XXXX, I did not have a response to that clarification of mine and I was surprised that the collection company with the name DIVERSIFIED ADJUSTMENT SERVICE, INC, reported me to the credit bureau, I XXXX XXXX phone and an agent answered me who did not He let me talk and immediately told me to send it to the wrong address. I got upset and asked him to let me talk and he interrupted me, I couldn't say anything and he hung up on me, I called again and they didn't answer, I ended up in a message box called XXXX. In addition, I also sent that same letter to XXXX which also did not respond to me, I do not understand why they requested proof if they still reported me
03/14/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19147	Web
I am making this complaint on be half of my self an no other. I sent Diversified Adjustment a cease and desist got notice that they received it XX/XX/22. I never received noticed that I could dispute this debt. Diversified Adjustment is ruining my reputation and damaging my character.Diversified Adjustment shared this alleged obligation with the consumer reporting agencies. Pursuant to 15 USC 1681 ( a ) ( 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. Due to this inaccuracy my reputation and character is being effected. This person ( debt Collector ) infringed upon my right to privacy by having a conversation with a 3rd party about me while I wasn't aware. 15 USC 1681a ( 4 ) The consumer reporting agency is sharing erroneous info without first consulting with me the consumer. They have no proof that this transaction took place. If so send me the contract that took place between me and Diversified Adjustment stating we are doing business. They are impartial because they allowed information to be reported while only hearing one side of the story. 15 USC 1681 ( a ) ( b ) the consumer reporting agencies did not meet the needs of commerce because this was not fair or equitable.15 USC 1681a ( d ) ( 2 ) exclusions from a consumer report transaction between a consumer and person making the report. This is identity theft.Diversified Adjustment stole my identity and shared my private information with these CRA 's.
04/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 147XX	Web	Servicemember
This is a continuing problem with XXXX XXXX since XXXX. I had XXXX cell phones with them. XXXX of them I used myself and the other was shut off by me and my granddaughter played with it. The contract with XXXX expired In XXXX, XXXX so I contracted with XXXX XXXX XXXX for a new cell phone service. Ever since this I have been CONSTANTLY harassed by XXXX and various collection agencies and the amount has increased to over {$610.00} supposedly owed them from an original {$150.00} charge. I have all the appropriate paperwork to back this. Today ( XXXX/XXXX/XXXX ) I received a very nasty phone call from Diversified Adjustment Company by a man who called himself XXXX. He was very rude from the start demanding to know where I lived, what my previous address was. I demanded to know who he was and what he wanted. He finally admitted it was a collection agency and was collecting on a debt to XXXX XXXX. I told him that i will not pay any XXXX bill that it is not due for any reason after all this time. I told him that I had talked to my attorney and he demanded to call my attorney and I refused to give him the attorney 's name or phone number. The phone number he called from was XXXX. I am more than fed up with these collecting agencies calling me and I want the FTC to do something to protect my rights under the Federal Fair Debt Collection Act. I think that collection agencies such as Diversified Adjustments should not only be fined but put out of business. It is harassment to the first degree to be constantly contacting me by phone or mail. I told this XXXX NEVER to call me again. I would appreciate you filing a formal complaint on this as soon as possible.
12/08/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	SC 29607	Web
XXXX XXXX -- -collection agency Collecting for XXXX XXXX a charged off account Called last night XXXX XXXX XXXX, XXXX ) and would not identify where they were calling from but asked for my information. Caller said, " I will call you tomorrow. '' XXXX called today XXXX XXXX XXXX, XXXX approximately XXXX ) and asked for me by name. I verified who I am and my address when XXXX said it. I asked where she was calling from and what the call was in reference to. She stated the total and I asked how I would contact the company to verify this was an actual debt. She said, " You would have that information, but I have an original account number. '' I repeated the account number and let her know that I would need to contact XXXX. She again asked how I would be paying for the debt and stated the total again. Then said, " They are only going to tell you that it 's a charged off account and you need to pay the total. '' I repeated that I needed to contact them first, and XXXX said, " So, you are refusing to pay your debt? '' I said I was not refusing but wanted to verify and as she cut me off saying, " It sounds like you are refusing to pay your debt. They have sent you information on your debt and you need to pay it. '' I asked for her name and which she said for me and that I still needed to pay my bill. I tried to verify the name of the company she worked for and she hung up on me. The caller last night and XXXX, today, were aggressive, combative, insensitive, and unprofessional. In light of recent credit card scams, they should have been more professional about handling my case.
02/03/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	CA 90045	Web
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. XXXX tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called Diversified. Diversified contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
03/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH XXXXX	Web
In XX/XX/XXXX I was contacted by credit bureaus regarding cell phone accounts that was now on my credit report. I contacted XXXX XXXX XXXX, XXXX, and XXXX about the fraud. XXXX and XXXX both concluded that the accounts are fraudulent. XXXX denied having any accounts in my name after giving them all of my correct information. XX/XX/XXXX I recieved a letter through XXXX XXXX saying that a XXXX account was reported to them in the amount of {$3800.00} I contacted them and explained the fraud on my account that day. I also contacted XXXX the same day and they had me mail out the fraud packet to them and also XXXX recieved the same information via email XXXX did. XXXX originally removed this from my credit report on XX/XX/XXXX. Next XX/XX/XXXXsubmitted the account to Diversified ADJ SVC. I again made the complaint again to XXXX and submitted my information to XX/XX/XXXXagain. I filed the police report and the FTC report between XX/XX/XXXX. I didn't do it sooner because I thought it was taken care of. Diversified did remove it from one credit reporting agency but not all of them. I called XXXX again to see why they didn't do it to all of the credit bureaus and they said because it was not fraudulent. I then contacted the XXXX XX/XX/XXXX and XXXX executive office contacted me to look at what was going on. I again sent her " XXXX '' most of the same information I sent XXXX the first three times and they again said it was not fraud and that I do not have any fraud reports on my credit. I told them to look again and she said they can not do that.
07/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 79934	Web	Older American
I had a strange issue going with XXXX XXXX that created a need to change services. I was happy with XXXX, and would still be with them, but when clients were calling my phone they would get a NOT A WORKING NUMBER message. After several months of their attempt to find the problem a senior engineer acknowledged the issue but was not able to correct it. I had to file with the FCC to get released from the contract and credited for phones we had purchased as potential solutions. FCC Ticket number XXXX. We were released from the contract, paid the outstanding bills and returned the phones. I was denied a loan for my business because of the negative hit placed on my credit by Diversifed Adjustment XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I called and attempted to get it resolved with them but the CSR claimed they intended to collect to remove it from my credit report. I would like to hold them responsible for the damage done and the lost revenue to my company due to this false claim. XXXX is a great company with some issues that they could not repair. They also have a bad return acceptance department as this is the second time they claim not received phones when they have been returned. As a note we purchased XXXX or XXXX phones within months in an attempt to correct the false call message to no avail We were left with no alternative but to switch services. Diversified is a collection company that is not willing to listen and the rep became stubborn and insistent that the bill was owed and nothing said or presented was going to change that.
09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35215	Web
XXXX purchased alleged debt that they assumed was mine and in fact doesnt belong to me. In fact Debt belongs to the United States according to 18 USC 8 as defined The term obligation or other security of the United States includes all bonds, certificates of INDEBTEDNESS, XXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, BILLS, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Alleged debt company is illegally furnishing is considered bills or certificate of indebtedness as stated above so its factually impossible for alleged debt to be mine when the UNITED STATES says its their obligation, not a consumers. Company also violated my privacy rights by furnishing personal information without my written consent as my consent is required by law for any person to furnish information regarding me as stated in USC 1692 ( c ) Communication in connection with debt collection- ( a ) ComMUNICATION WITH THE CONSUMER GENERALLY 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- I never gave company consent for such illegal activity.
12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 23116	Web
I have been called literally XXXX times regarding a fee that XXXX charged my company when we cancelled our telephone services with them. This company is Diversified Adjustment Services located in XXXX, MN but when they call me they have their number appear to be a local number which is an XXXX area code which I am wondering is legal to change the appearance of your number like that. We had been contacted by XXXX about renewing our phone services but told them we were looking to change carriers. We were then told that since we have had services for 2 years already there would be no break up fee if we cancelled the new contract. We asked them again to be certain no fee would be incurred for breaking the contract as we were fine going month to month but again were insured there would be no fee. A few months after agreeing to a new contract verbally, no paperwork was signed this was all done via a phone call from XXXX, we changed our service to another XXXX. When we got our final bill there was a fee of {$300.00} for early termination which we contacted XXXX to say we did not owe. They originally said the call was being recorded so we asked them to pull the recording but only XXXX to 4 months later when we questioned the bill they stated they could not find the recording. Now we have explained this to XXXX, XXXX other collection agency and now Diversified Adjustment Services will not stop calling me. We recently sent them a formal letter to quit calling as the debt is disputed but they have not received it as of yet.
06/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60901	Web
First, I entered into a consumer credit transaction with XXXX when I sold them my credit from my open-end credit card, which pursuant to 15 USC 1602l and 18 USC 8 is my social security card. XXXX was paid in full from this transaction so no alleged debt should be trying to be collected. I then saw that Diversified Adjustment Services harmed my reputation and violated 15 USC 1692d ( 1 ) by furnishing this alleged debt onto my credit report. I then requested validation from Diversified Adjustment Services pursuant to 15 USC 1692g since they did not send me validation 5 days after the initial communication which they are required to do pursuant to 15 USC 1692g and are in violation of that. After I requested validation Diversified Adjustment Services did not send me back the proper validation pursuant to 15 USC 1692g. They sent me back a contract with my signature with XXXX not with Diversified Adjustment Services, which only proves that it was indeed a consumer credit transaction between me and XXXX and that all obligations with XXXX were taken care of in full from my open-end credit card and Diversified Adjustment Services has no right to collect this alleged debt. They are in violation of 15 USC 1692g by not providing the requirement numbers 3,4, and 5 when I requested validation from them. It is now a failure on their part to validate this alleged debt. Only me the federally protected consumer under title 15 chapter 41 can validate this alleged debt and I am stating that I do not owe this debt.
11/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19050	Web	Servicemember
I originally submitted a XXXX complaint and did not know how to respond to Diversified 's response. I submitted the following complaint : " This was purportedly an unpaid gas bill from the XXXX XXXX XXXX. A notice of which was never sent to me. Regardless of the amount, XXXX was paid on XX/XX/XXXX. Diversified has updated the collection status to unpaid on my XXXX report greatly reducing my score and affecting my ability to get credit. Diversified then responded on XX/XX/XXXX below : " Dear XXXX XXXX XXXX : Thank you for the inquiry regarding the above-referenced consumer. Our office values the feedback of the consumers we serve and hope to reach an amicable resolution with the consumer and your office. I have reviewed our notes and the documentation provided by the consumer. The account was placed in our office for collection on XX/XX/XXXX with a balance of {$300.00} owing to **************** XXXX. On XX/XX/XXXX, we mailed the model validation notice to the consumer and said notice was not returned as undeliverable. The consumer made payment on this account on XX/XX/XXXX. We have correctly notified the credit bureaus that this account is paid. We have complied with all state and federal laws. '' However, the account remains on my XXXX credit report in violation of the FCRA. I recently submitted a dispute with XXXX about this account, ending in XXXX, and as of XX/XX/XXXX XXXX still reports the account as XXXX. Diversified is in violation of numerous federal and state laws.
11/20/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC XXXXX	Web
I, XXXX XXXX has been fighting this frivolous supposedly debt for XXXX over 3 years now. First, I was going back and forth with Diversified ConsultantsXXXX but they could not verify the erroneous information that was being reported to my credit reports, so XXXX, XXXX and XXXX XXXX removed the debt from all three reports. Diversified Consultants were harassing me sending computer printed statements, but nothing ever indicating that I was legally responsible for the debt. Next, a few months later, Diversified Adjustments Service INC inserted the debt back on my reports illegally, with no notice or anything indicating on physically verifying validation of the debt. I called and called both collection firms and I was getting conflicting stories about the erroneous debt, which does not belong to me legally. So I reached back out, contacted the credit agencies first class mail, along with Diversified Adjustments. I sent first class with a return receipt which showed that " XXXX XXXX '' with Diversified signed for the letter on XX/XX/2021 ( evidence at hand ). I still didn't receive any legal documents or relevant information expressing debt is mine, there is NO LAWFUL STANDING 15 U.S Code 1692i ( b ). So XXXX and XXXX XXXX went on to delete this debt again, but XXXX has not and still showing negatively on my credit reports, although there still has not been any proof presented. Granted, this issue has been a nightmare and I am turning to CFPB to help me with this dilemma.
09/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NH 03110	Web
Without notice and while trying to buy a house, a debt collector on behalf of my current utility company - XXXX, put an old account of mine into collections. I have autopay set up with XXXX and everytime that I call it says my balance is {$0.00}. The debt collectors name and information is : Diversified Adjustment Service , Inc. Their web address is XXXX XXXX XXXX I called XXXX and they refused to assist me, sending me to Diversified. I called Diversified and informed them that i never received notice or the ability to dispute and they said " it was sent via regular mail. '' They have no tracking or proof that they actually sent it - nothing other than a database entry. I informed them that I did not receive it and the response was something like " well we sent it so that's all that matters. '' I told them that although I've never seen the debt I would pay it if they would delete it from the credit bureaus. I informed them of the hardship that they have caused me and that I am buying a house. I informed them that something as little as a {$400.00} bill could cost me hundreds of thousands of dollars in loan interest rate costs. There response was that they weren't going to do anything and I could pay it or not. Even if I pay this debt it will traumatically affect my credit score. It has reduced it almost XXXX points. This is not in any way consumer protection, and the fact that they would put it into collections without verified notice is wrong.
09/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30121	Web	Servicemember
on or around XX/XX/2021 i switched phone providers from XXXX to XXXX. i called XXXX to see my balance owed if any. i was told by a XXXX rep that they would send a return kit. return kit sent.. i did as instructed. was then told i owed {$150.00} to close account. paid {$150.00} case closed. wrong.. @ 4months later i get mail from diversified adjustment with no warning saying i owe {$150.00} and its on all 3 credit bureaus which i soon discovered. my credit score dropped an avg of 25 points across the board. XXXX has since removed this following my dispute. but that can easily change. XXXX and XXXX wont allow me acess to my own credit file to dispute this ... despite repeated phone calls and even letters mailed. paying twice is a hard pill to swallow but for {$150.00} to benefit my family going fwd with the advantage of GOOO CREDIT RATING vs fair as it is now i would do it. but i need a guarantee that diversified adjustment services remove fraudulent charge FIRST. and if i dont do as i said in time for them to receive pay again from me they put it back on.they need to check and REMOVE all 3 bureaus. because at this point I dont trust them. Diversified Adjustment phone # is XXXX XXXX XXXX and im looking at the last letter diversified sent ... .will settle for {$79.00} ... just remove XXXX and XXXX and check XXXX ( already removed ) and I will pay the whole thing ... ..AGAIN ... .at this point with the merger.. my grievance is with diversified
08/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87111	Web	Older American
Background : Between XXXX and XXXX I owned condominium XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, NM XXXX. I sold it sometime in XXXX or XXXX and since then have had no further involvement with that property. The sale was conducted through a title company and all outstanding bills were settled at that time. XX/XX/XXXX : I received a demand letter ( copy attached ) from Diversified Adjustment Service ( DAS ), XXXX, MN for a bill from XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I did not owe. The DAS letter did not provide the service address or the service dates. I called DAS twice and spoke first with XXXX and then with XXXX. XXXX provided me with the service address which was condominium XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. XX/XX/XXXX : I called XXXX ( XXXX ) and spoke with XXXX. I explained the background and the DAS letter. She called me back in about an hour and apologized for the XXXX error. She said that XXXX would advise DAS that the debt had been satisfied. I asked for a letter assuring me that this " debt '' would not appear in my credit bureau file or any information that I had paid it. XXXX said she could not do that and that I would have contact DAS and the three credit bureaus individually to get any information they have corrected. I am XXXX years old and I don't need this aggravation. I believe that this bill qualifies as a zombie loan and that the statute of limitations was passed many, many years ago.
08/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19711	Web
Upon checking my credit report I noticed that a collection agency by the name of Diversified Adjustments Service , INC. had reported a debt in the amount of {$710.00}. On XX/XX/2018 I sent a direct dispute to this collection agency requesting Validation of the debt with an original contract bearing my signature and a agreement with the creditor that authorizes them to collect on this alleged debt, complete payment history and proof that this agency is licensed to collect in my state. I received a letter dated XX/XX/2018 labeled as " Itemized Statement " showing no contract or anything for that matter with my signature on it but a list of charges totaled at {$710.00}. On XX/XX/2018 I sent Diversified Adjustments Service, INC. another certified letter stating again to send me validation of debt and original contract bearing my signature by XX/XX/2018 which they have still failed to do and if they could not do so completely delete and remove this collection from my credit file with XXXX, XXXX and XXXX XXXX. I have the right to obtain validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) and this company has failed to provide me with that. After sending them the second letter on XX/XX/2018 I have not heard anything from this company but the information still remains on my XXXX, XXXX and XXXX XXXX credit file. I have attached all means of communication from me and Diversified Adjustments Service, INC..
11/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43219	Web
DIVERSIFIED ADJUSTMENTSxxxxxx XXXX To Whom It May Concern, The reason for my dispute is DIVERSIFIED ADJUSTMENTS was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also DIVERSIFIED ADJUSTMENTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 DIVERSIFIED ADJUSTMENTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED ADJUSTMENTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED ADJUSTMENTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If DIVERSIFIED ADJUSTMENTS even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.
04/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60827	Web
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with DIVERSIFIED ADJUSTMENT SERVICE. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). DIVERSIFIED ADJUSTMENT SERVICE can not and will not ever produce a contract between me XXXX XXXX, XXXX and DIVERSIFIED ADJUSTMENT SERVICE because that contract does not exist.
11/04/2020	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	IL 60438	Web
In the results of your first investigation, you stated in writing that you verified that this item ( DIVERSIFIED ADJUSTMENT ) is being reported correctly? how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XX/XX/XXXX PROVIDE ME with competent evidence that I have any legal obligation to pay this debt. 1. Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 3. Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above- alleged account ; 4. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 5 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
11/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76542	Web	Servicemember
This debt has been reported on my credit report by TWO different agency 's and ii have made several attempts to resolve this issue and all the agency does is send a bill and consider that verification and its not. I pulled my fathers credit report and this debt is also on his credit report and our names are not alike and we were not co owners of any account in the past.SO how can this debt be verified if it is showing up on two different individual credit reports with two different agencies this is getting very frustrating and I have been waiting more than the allotted amount of time for a response. The XXXX XXXX XXXX credit agencies are reporting this information as verified but how if this is on my and my fathers credit report? So whos bill is it? these are things that a thorough investigation consists of and obviously if has not been done. According to the FCRA, If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This has been going on Since XX/XX/2018 form two separate collection agencies for the SAME bill. I'm pretty sure this is a violation under the FCRA to put something back on my credit report without proper notice.
03/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27616	Web
I purchased an XXXX XXXX at a private XXXX store in XXXX, Illinois in 2021, I do not remember the month. When I got home with the XXXX XXXX I realized that someone else XXXXXXXX XXXX was logged in the phone. I returned back to the same store before leaving XXXX and the store ensure me to problem was fixed. I got back home in XXXX North Carolina and went to two different stores trying to get the problem fixed and I was told because I purchased the watch from a private location it was nothing that could be done. At this point I was stuck with an XXXX XXXX that was sold to me with someone else XXXX XXXX and I would never be able to use the watch. XXXX still kept charging me for the watch even though in the system they could clearly see that I had never used the watch. It was a waste of my money and time, and I would never use XXXX XXXX again because no store could help me fix this problem even though it was a mistake on their part. This is really bad customer service. I also feel that I should be reimbursed for all the times I was charged for this watch because I was never able to use it because again, the store sold it to me with someone XXXX XXXX already logged into the watch and this was my first time ever using XXXX, so I was not aware of the mistake I had made when I purchased to watch. If you have any other questions are concerns, please feel free to reach me at XXXX. Thanks XXXX XXXX
09/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
This a follow up from complaint XXXX. I have sent correspondence to Diversified Adjustment Service regarding an supposed account with XXXX and they did not send the documentation I've requested. I asked the company to send me an EXCLUSIVE, Written and SIGNED contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms. They did not send me this documentation after several attempts. I sent correspondence on XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have repeatedly asked for Diversified Adjustment Service to send me a an EXCLUSIVE, WRITTEN AND SIGNED AGREEMENT between me, XXXX XXXX and Diversified Adjustment Service. In a letter postmarked on XX/XX/2019, they sent a large envelope with several bills and a supposed contract with my name TYPED in the signature lines. The two physical signatures they have ( Documents attached, " Pt.1 '', page 14 and " Pt. 2, pages 10 and 18 ) are NOT MY SIGNATURES. They do not match the signature on my identification. Since Diversified Adjustment Service SOLELY owns this debt, Diversified Adjustment Service needs to provide the EXCLUSIVE, WRITTEN AND SIGNED AGREEMENT between me, XXXX XXXX and Diversified Adjustment Service regarding repayment terms. Since they have not provided this documentation, this debt needs to be stricken from my credit profile from all three ( 3 ) credit bureaus ( XXXX, XXXX and XXXX ) immediately.
04/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 551XX	Web
Between XXXX of 2018 and XX/XX/2018 I accrued a number of medical charges due to XXXX XXXX, a XXXX XXXX, a hospitalization, and a serious illness. XXXX XXXX I had both Medicare/Medicaid and employee XXXX.All of my bills were paid and deductable settled.When I ended XXXX XXXX, my co-pays were minimal. It took a great deal of effort on my part because both insurance entities were making error after error. It was really appalling. However, I finally documented that everything was paid. I got an email from XXXX XXXX XXXX saying my balance was XXXX. I got a phone call from Diversified a collection agency. They said this account was placed with them. I explained that it was paid and the rep said just wait a bit, it will drop off. I received two letters in XXXX from them. Both cite almost exactly the same amount owed, so two bills for over {$5000.00} total. Enclosed with each letter, I suppose as an attempt to document this claim, was a single sheet of paper with four collumns : entity name, amount, fees, total. There are just sums listed. No dates of service, no doctors names or procedure codes, nothing. These bills have been paid. I dont need to deal with this because its not owed. Further, they have not supplied legitimate documentation. I have hundreds of bills and lists of charges. How do i know what these sums represent. Please, please help. Thank you, XXXX
10/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 080XX	Web
Approximately in XXXX, I went to XXXX store to switch cell phone providers XXXX to XXXX and XXXX representative stated that they will pay the balance of the lease as the commercial stated. XXXX will be responsible for all transfer fees. I transferred my phone number to XXXX but they never uploaded the last bill and serial numbers of the 2 phones to pay the lease balance to XXXX. On XX/XX/XXXX, I was informed by Police & XXXX XXXX that a outstanding collection charge of {$820.00} from XXXX is on my credit report. Police & XXXX XXXX can not move forward with my loan until this is removed. I contacted Diversified Adjustments Inc XXXX spoke with supervisor XXXX account # XXXX to dispute the charges. I contacted XXXX and they stated they have no record of my account and told me to call XXXX to request to have removed. Unfortunately, this is another number of Diversified Adjustments Inc. I did not receive any gift cards or prepaid cards during the time of transfer. The incorrect bill is created by XXXX not paying for the transfer fees and balance of lease as their ad states. This improper charge tortuously interferes with my loan process. Since both cell phone companies have the information to correct this matter, both cell phone companies need to be prosecuted to the fullest extent and fined to the highest magnitude. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
04/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 432XX	Web
To Whom It May Concern, The reason for my dispute is DIVERSIFIED ADJUSTMENTS {$XXXX} was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DIVERSIFIED ADJUSTMENTS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DIVERSIFIED ADJUSTMENTS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DIVERSIFIED ADJUSTMENTS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DIVERSIFIED ADJUSTMENTS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DIVERSIFIED ADJUSTMENTS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
01/30/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web
I am writing to file a complaint regarding the violation of my privacy rights by the third-party collection agency Diversified Adjustment Services . I previously opted out and revoked authorization for XXXX to share my personal information with third parties. Despite this, it appears Diversified Adjustment Services has obtained my protected personal information including Social Security Number, date of birth, name, and address from XXXX and used it without my consent to generate a consumer report. There is a collection account listed on my credit consumer credit report in the amount of {$870.00} listing XXXX XXXX as the original creditor. I have never had any relationship or transactions with Diversified Adjustment Services. Under the Fair Credit Reporting Act 15 U.S.C. 1681b, consumer reports may only be prepared for specific permissible purposes, none of which apply in my case. By procuring my personal information without authorization and generating a consumer report without my written consent Diversified Adjustment Services appears to be in violation of : - FCRA Section 1681b - impermissible purpose - FCRA Section 1681e ( a ) - failure to maintain reasonable procedures - 15 U.S.C. 6802 ( a ) - disclosure of private information without consent 18 U.S.C. 1028 ( a ) - unlawful transfer of identification document 18 USC 894- conspired to extort money unlawfully.
09/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NM 877XX	Web
I was living in a duplex apartment and out of nowhere, the landlords sold the blg without giving me time to find another place to live. I was told by original landlords that they " didn't want to deal with the apartment because they were getting quite elderly and it was too time consuming and that they found a buyer. They literally had someone come in while I STILL lived there to view it and the following week they sold it. I was told by my original landlords that I had to vacate by the end of the month ( this was mid XX/XX/XXXX ) so the new owner could shut things down and began renovating the duplex. I very huridly got out and attempted to shut off the utilities but was told the final billilng would not be available for another month or 2. When the bill was finally available to me, I was informed by the company, XXXX XXXX XXXX XXXX XXXX XXXXthat the bill was sent to collections because it was not paid by the end of the monthly billing cycle. I then waited for the collections dept it was sent to to contact me, when I got their bill, I PAID IN FULL. I was told they would remove it from my credit report as a bad debt once paid and yet it remains there, though not showing a balance due, it shows up as " potentially negative debt '' owed. I have asked them several times to remove it but they do not. I want it removed as I have honored my part and paid the debt owed...
02/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77386	Web
Diversified is trying to illegally collect a supposed debt for XXXX. This debt if owed would be a zombi debt which would not be collectable per the fair debt collection act and the dept collection act of Texas. The following statements are from the complaint I filed about XXXX. I was contacted by a dept collector stating I owed a dept to XXXX. I dont remember ever having XXXX as a XXXX company. I have tried calling XXXX about the supposed dept several times and they could not give me any information on the supposed dept and told me to go to one of their stores to get the information but even they couldnt pull up any information. I then contacted their corporate office and they couldnt find any information regarding this supposed account. I even contacted the dept collector and they couldnt give me any information either. I have had my current cellular company for over a year and before that I had another cellular company not XXXX for over 7 years. This is the first time I even heard that I might owe any money to XXXX and by my research if I did owe that amount due to the fair dept collection act this would fall under a zombie dept which is not a collectible account and would be an illegal action upon XXXX to even try to collect this dept. I did contact the dept collector Diversified and they stated XXXX turned the dept over to them in XXXX year of 2022
09/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48167	Web
Final amount from XXXX of {$170.00} is incorrect. See attached. Shows past due of this amount but then another amount of nearly {$190.00} This was XXXX of XXXX. Service was shut off by my request on XX/XX/XXXX. I have evidence of this in writing to XXXX. I even have new phone service and a bill from XXXX which can be provided showing all XXXX phone numbers listed with service as of XX/XX/XXXX. Now this company Diversified is not providing me any itemized statements and the bill is up to {$260.00}! Clearly XXXX continues to charge me for services I do not have! Someone needs to stop the madness with XXXX. I've attached my final bill from XXXX showing no balance and credits given to me by the person below. XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX CEO Customer Experience Obsessed Direct : XXXX Fax XXXX XXXX Attached shows that the billing was adjusted and final payments made in XX/XX/XXXX which left me with a XXXX balance. Further evidence will be submitted if small claims is filed with motion in court. No further activity was on the account for any calls, texts or data after this date of XX/XX/XXXX. Diversified has zero evidence and only provided me with 2 pages no items listed and refused to even walk through items and told me on a recorded line they don't have the paperwork. How can they put this on my credit report and collect with NO ITEMIZED STATEMENTS!?
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02048	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. I told the XXXX and XXXX to reinvestigate these account : Account name : Diversified Adjustment Service , IncXXXX XXXX XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
05/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11422	Web
Diversified Adjustment Collection Agency violated the FCRA by reporting negative information to the credit bureaus prior to notifying me of this alleged debt which is deemed to be unknown, past statute of limitations and/or fraud related. This agency reported me to the credit bureaus alleging I owed {$4100.00} on an account was opened on XX/XX/2022. This report raised a red flag because how could an account be opened in XX/XX/2022 and already in collections? Furthermore, why would they report this to the bureaus prior to contacting me? I was also informed by the credit bureau that my social security number was comprised and leaked on the Dark Web on XX/XX/2022 ; 3 days before this agency alleged the account was opened. I contacted the agency by calling the number associated with them and requested they send me something in writing. It's been 13 days and I still have not received anything from Diversified Adj. Services Inc. I have reason to believe false information was provided to the credit bureaus regarding this alleged debt and that this company is associated with several Dark Web Activities made in XXXX XXXX. My credit score dropped over XXXX points the next day and now shows below average. So far I have filed a police report and sent Diversified Adjustment Services a dispute, validation of debt and proof of claim letter.
08/16/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MN 55443	Web
In XX/XX/XXXX Diversified Adjustment Services received a letter from me requesting that they cease all telephone communication with me. On XX/XX/XXXX, Diversified Adjustment Services contacted me via telephone. I informed the collector on the phone that I had requested in XXXX that they cease all telephone communication with me. She told me they have no records of an account from XXXX. I called back asking to speak with their compliance department regarding the issue on XX/XX/XXXX. I spoke with an XXXX who told me that they do not have a compliance department, then transferred me to her co-worker 's voicemail when I asked to speak to who 's in charge. I called back and spoke with a XXXX XXXX who told me that previous request to cease contact via telephone do not count for different accounts. Diversified Adjustment Services has violated the FDCPA by contacting me via telephone and providing me with misleading information. In addition, Diversified Adjustment Services does not keep accurate records of past collection accounts and correspondence with people they 've attempted to collect debts from. I DO NOT feel comfortable with them having any of my personal information. I have provided a copy of the letter Diversified Adjustment Services send me in XXXX, the letters I sent them, and copies of the return receipts they signed.
06/28/2022	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	AZ 85032	Web
There was an erroneous derogatory claim placed on my credit report. The original debtor, XXXX had falsely submitted my account to a collection agency, Diversified Adjustments for a debit I had previously paid. My debt was paid in XX/XX/XXXX and XXXX submitted it as unpaid in XX/XX/XXXX affecting my stellar credit. I have filed disputes with each of the agencies, XXXX, XXXX and XXXX. XXXX immediately removed the false report, however XXXX and XXXX completed the investigation that the item was legitimate. I contacted both XXXX and Diversified Adjustments and provided proof the account was settled and never should have gone to collections. I provided that to both XXXX and XXXX but they failed to rectify my credit and remove the erroneous collection item. This never should have gone to collections in the first place and I wasn't even notified and just happen to find this on my credit report. Further, there should be some consequence to the collection and credit reporting agencies for knowingly reporting false information. I have attached documentation of my XXXX bills showing the charge on my XX/XX/XXXX statement and it was paid in XXXX but the account was submitted to collections in XX/XX/XXXX. I provided this all to the credit agencies and the collection agency but they continue to fail to correct this.
06/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17522	Web
XXXX allowed unauthorized individuals to open ( 2 ) phones under the accounts 3 or more months after my account was closed. I was verbally told on a number of occasions that the account was closed and I no longer had any financial obligations. A year later in XXXX of XXXX XXXX sent a total of {$1900.00} to a collection firm against my previously closed account. I disputed with XXXX and neither the mailing address or passwords on the account were mine or my residence. I repeated the fraud dispute with XXXX over the period of a year and nearly 40 hours on the phone with XXXX attempting to resolve. XXXX ultimately refused to acknowledge any fraud or errors on said account. I never received a phone call, bill or notification of this account from anyone other than the collections agency who has recently sent me the same fraud dispute process document I've done already went through with XXXX. I was completely mislead by XXXX team in telling me my account was closed and by the XXXX fraud dispute team by determining a account with a passcode I didn't know with a mailing address not belonging to me was my account. It is now XX/XX/XXXX and this debt has been submitted to collections twice under different agencies. I will continue to dispute as the account that was opened was never authorized in the first place.
03/05/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OK 746XX	Web
XX/XX/2021 I called DIVERSIFIED ADJ SVC at XXXX around XXXX My call was to settle a debt that I did not know I owed. The person I spoke to verified my information and pulled up my collection. I told them I wanted to settle with a pay to delete agreement. That's when this guy got loud, hateful and wouldn't let me talk. He kept repeating that I will not receive anything from them that has my balance or an agreement to pay to delete. They will only take full payment today without anything stating I owe the debt. Then he starts calling me a liar and saying I am, in his words " XXXX XXXX XXXX '' then hangs up on me after I cut him off from this very aggressive conversation that he turned it into and said " how am I XXXX XXXX XXXX, I didn't even know I had this debt '' he hung up on me. I called back and spoke to another person who refused to let me talk and then started asking for my attorney information. I disconnected the call at that moment. I was simply trying to pay a debt with an agreement in some type of writing with my balance I owe ( not paid ) and that when it is paid the debt will either be removed or updated with a XXXX balance. Debt collectors like this makes it hard for people to get out of debt. They only want to bully us and when they don't get their way the get rude and hang up.
02/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY XXXXX	Web
Received a notification from my credit monitoring service that this debt was placed on my credit report. Upon further investigation with them on the phone, I was advised that they were from XXXX. This issue has been a continued dispute with them spanning both XXXX and New York State Attorney General. XXXX engaged in deceiving practices and ripped us off concerning this account. XXXX refuses to discuss the issue with me concerning this and their representatives have done nothing but yelling. The collection agency has refused to engage me instead has resorted to just placing this on my credit file. This matter is in dispute with several consumer protection and government agencies. This company has never once given me the chance to inform them and dispute this debt and they have never reached out to me. They have violated the Fair Debt Collection Practices Act. In addition the company claims they were paid for the debt when I paid the creditor directly once they agreed to take care of the situation. As you can see they refuse to report a status on my credit report and instead state " NO STATUS '' and they claim it is for someone else in another state. I have enclosed 2 items, one is the printout from XXXX showing it on my credit report and the other is a letter they emailed to me about the payment.
11/30/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23228	Web
To whom it may concern, This morning ( XX/XX/18 ) I received a call from the Diversified Adjustment ( Collection Agency for XXXX ) regarding an outstanding balance I owe. The call was received at XXXX XXXX ( EST ). The rep I spoke with was rude and wouldn't listen to my attempt at explaining that my cell phone was returned via the XXXX Label provided by XXXX and that tracking information was not available through XXXX because the package was never logged or picked up by them after I dropped the device off at a local XXXX Drop Box. Ultimately, I advised I was not going to pay their agency and ended the call as the agent repeatedly spoke over me and would not listen. Later in the day I received a 2nd call from " XXXX '' at XXXX XXXX attempting to collect the debt once again. To my knowledge this is a violation of the FDCPA, hence my reporting of this issue. I did not have the name of the agent from earlier in the morning and " XXXX '' would only disclose that her initials were " XXXX XXXX ''. Upon notifying " XXXX '' that I had already spoken with someone I advised the same that I was disputing the balance. I advised " XXXX '' that I would not be paying in the near future as I am going to explore my options to further dispute the debt owed and " XXXX '' ended the call without notice ( hung up ).
07/09/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80918	Web	Servicemember
I received a phone call on XX/XX/XXXX from this company Diversified Adjustment Services. The debt had already been discussed and satisfied with XXXX in XXXX. I spoke with a manager named XXXX XXXX who took care of the charges that should of never been applied in the first place and sent me a later stating my account was paid in full. Fast forward to XX/XX/XXXX, I have gotten at least 5 phone calls a day regarding a debt that does not exist. I spoke with two reps from this company. One was decent but did not listen to me at all. Just wanted me to hand over my card for a {$3000.00} bill that does not exist. The rep I spoke to on XX/XX/XXXX was disgusting. He threatened me, insinuated I was a loser that does not pay my bills. Asked me questions that were irrelevant and threatened me with placing it on my credit and bringing up a lawsuit. I politely asked for them to cease contact while I clear it up with XXXX but he laughed at me. Mind you I am still in my 30 days to have them validate the debt per the law from the letter I mailed. I also mailed a letter to them to cease contact while I clear it up with XXXX which I am in the process of doing, but their harrassing phone calls multiple times a day to their nasty treatment and threatening words are out of control and clearly against the law. Help!
07/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60827	Web
In accordance with the Fair Credit Reporting act Diversified Adjustments has violated my rights. The FDCPA ( Fair Debt Collection Practices Act ) Validation of Debt. This company has not been in communication with me whatsoever stating that this alleged debt belongs to me. Prior to this getting on my report I never knew anything about this company. How can you furnish anything on my report and havent even given me the rights to dispute it before furnishing this alleged debt to the credit bureaus. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have sent this company two letters, one was a validation letter which was my first attempt to them to get this alleged debt validated. The second attempt was a demand removal letter after a timely response and no response at all was was made. I still heard nothing from them and this collection is still on my reports. I have all my certified mailing receipts from the letters Ive sent them along with the original letters that Im going to upload as proof for this compla int. Im also sending in the confirmation result that I received from XXXX stating that the collection agency reported to them that the information is accurate. How are they communicating with XXXX and not me when Ive written multiple letters to them. Unfair practices!
11/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07701	Web
XXXX XXXX XXXX was sold my account, a {$140.00} debt from XXXX ... This debt was originally paid, and then I disputed it with XXXX XXXX XXXX because XXXX was paid through XXXX XXXX XXXX and I won the dispute ... I promptly cancelled my XXXX account ... Unbeknownst to me, XXXX sold my account and it's phantom debt to XXXX XXXX XXXX. XXXX XXXX XXXX, without any notification to me, then put a derogatory mark on my credit. I disputed that and I also won, and the debt was removed from my credit bureau accounts. XXXX XXXX XXXX then sold my account to another Diversified Adjustment, who marked my credit bureau accounts without any notification whatsoever. This is a phantom debt, and I am being harassed, and I believe that XXXX, XXXX and Diversified, all of whom I will sue, are all working together and in contact with each other, and I cite the following example : Diversified originally had my account on XXXX but waited until a week ago to mark my credit bureaus, XXXX, XXXX, and XXXX. I originally disputed the debt with XXXX on XXXX and XXXX, but, not XXXX. A weeks ago XXXX withdrew it from my XXXX report on their own, mind boggling!!! ... 3 days later Diversified Adjustment marked my XXXX account ... Im going to sue these people as well as whatever ever Consumer Finance does to them.
01/17/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02302	Web
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.
12/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT XXXXX	Web
" NEW ISSUE '' Marking complaint as a duplicate is a crime, there are active police reports attached to this complaint, I have spoke already to the CFPB OMBUDSMAN in regards to this collection agency. Diversified Adjustment needs to be fined by the CFPB for all their willful violations. There is overwhelming complaints on the XXXX and XXXX search reviews about this debt collector and judgements awarded against them as well after thorough research on them. This complaint will be the last before a formal complaint is filed in Third District court in XXXX XXXX for willful violations of not being incompliance of the law. Additionally Detective XXXX from the XXXX testimony will be provided to the courts as well if necessary. They have failed to provide their registered agent as this is needed to have a constable to serve them paperwork. They have failed to honor police reports XXXX XXXX, XXXX. They have marked numerous complaints as duplicates and continue to verify this debt anyways willfully. The other debt collector XXXX received notice from XXXX to pursue this debt. But immediately ceased all debt collection once they received these same documents. Diversified Adjustment has ignored all police reports and ID FTC reports and continued to break the law anyways.
08/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10977	Web
I am disputing a debt i previously owed with XXXX XXXX. I had set up a payment plan to pay off an outstanding amount with XXXX and kept my promise of making payments but they sent my account to collections even though i was making payments. When my account was transfered to the debt collection agency i explained to them the situation and agreed that if i paid in full over the phone they would remove the information on my report. Since the agreement was favorable to me and since i had already been making payments i immediately paid the debt collection agency only to discover they did not keep their word and remove it. I have tried disputing the item on my credit report with no luck. I recently discovered that i could file a complaint so that is why i am doing so 4 years later. The account was not in collections any longer then a month, i was making payments prior to it being sent to collections to avoid it even being sent to collections and once it was there i paid it as soon as possible because they told me it would be removed. I would like to have this account removed because it was promised to me and it has been 4 years since it has been paid. I understand that credit reporting lasts for 7 years but in this case, it should not have stayed on my credit report.
02/18/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 981XX	Web
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Diversified Adjustment Service for attempting to collect a debt that I do not owe. According to their correspondence, they claim that I owe them {$29.00} for an outstanding balance on a XXXX XXXX XXXX XXXX bill. I have proof that I have already paid the full amount of {$100.00} on my XXXX XXXX XXXX XXXXXXXX bill. The payment was made on XX/XX/2022 and the payment was fully processed and cleared by my credit card company. Diversified Adjustment Service is falsely claiming that I owe them money. I am very concerned that Diversified Adjustment Service is attempting to collect a debt that is not valid, and I believe that their actions are in violation of the Fair Debt Collection Practices Act. Their attempts to collect this debt have caused me undue stress and anxiety, and I fear that my credit may be negatively impacted as a result of their actions. I am requesting that the Consumer Financial Protection Bureau investigate Diversified Adjustment Service for their unlawful debt collection practices. I also request that all negative marks on my credit report be removed as a result of their false claim. Thank you for your attention to this matter. Sincerely, XXXX XXXX
10/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	UT 84121	Web	Older American
I called Diversified Adjustment Service, Inc today ( XXXX/XXXX/15 ) and spoke with one of their collection representatives named XXXX. I had previously made payment arrangements ( XXXX/XXXX/15 ) to pay {$20.00} a month until the debt was paid. XXXX stated that amount would n't work, that I had to pay more. I stated that I 'm on a fixed income, I only receive Social security, and can not pay more than that and I have a letter stating that fact. He said " Well you 're talking to me now, and there 's no way you can pay just that amount. It 'll take you seven months to pay it off, you 're going to need to pay more. '' When I refused he changed tactics and said, " Ok you got ta make a settlement than. You got ta pay it off. '' I again said I could n't. He said I had to and asked how much I could pay. I stated again that I could maybe pay {$50.00} but wo n't since I have a payment plan and he told me they ( XXXX ) would n't accept that, very sarcastically. Maybe they would accept {$120.00}. I told him no. I said I wanted to speak to a manager. He told me no. When I insisted he said in a mocking tone " Ooo are you going to offer my boss a deal? '' Then continued to say he would n't connect me. When I would n't budge he finally transferred me to a voice mail.
02/18/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 981XX	Web
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Diversified Adjustment Service regarding their legitimacy in collecting a debt on behalf of XXXX XXXX XXXX. I have received a notification from Diversified Adjustment Service stating that I owe a debt of {$29.00} for an outstanding balance on my XXXX XXXX XXXX XXXX bill. However, I have concerns about the legitimacy of this claim. I have already paid the full amount of {$100.00} on my XXXX XXXX XXXX XXXX bill, and I have proof of payment. Additionally, I have not received any notification from XXXX XXXX XXXX that I owe a debt to them. Furthermore, I have concerns about how Diversified Adjustment Service obtained my personal information, including my account number, name, address, and bill details. I am deeply concerned about my privacy and the potential for my personal information to be misused. I am requesting that the Consumer Financial Protection Bureau investigate the legitimacy of Diversified Adjustment Service 's claim and how they obtained my personal information. I am also requesting that you take steps to protect my privacy and prevent any further misuse of my personal information. Thank you for your attention to this matter. Sincerely, XXXX XXXX
07/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85041	Web
On XX/XX/2021, Diversified Adjustment Service Inc sent me a letter by mail stating they were attempting to collect a debt and that I had 30 days to respond. On XX/XX/2021, I responded to Diversified Adjustment Service Inc via a letter asking to see the information that they said I owe. I never received the information I asked for regarding this debt that they say I owe. Then on XX/XX/2021, I got an alert from the credit bureau showing that Diversified Adjustment Service Inc put a collection on my account in the amount of {$600.00} for XXXX. I do not have a XXXX account and have never had one. Diversified Adjustment Service Inc reported this unknown, now known, debt to the credit bureaus before the 30 days that they said I had to verify the debt. Their unfair action resulted in my good credit score being lowered. I immediately called XXXX and told a manager what happened and it turned out the debt was not mine but my brothers who happened to have the same last name as mine. My brother paid this debt with XXXX some time ago and I want this inaccurate collection removed from my credit report. I feel that this collection agency is not fair nor right in how they handled this situation and they do not seem to have respect for their own business policies.
02/10/2020	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	PA 19132	Web
My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : XXXX XXXX XXXX # XXXX Diversified Adjustment # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX/XXXX # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED! If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA
03/03/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06770	Web
A bill collector for XXXX Called Diversified Adjustment service , INC . Located at XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. Without warning or proof of this debt being mine posted this debt on my credit report. When I called them on XX/XX/XXXX, to investigate this company and why their Name was on my credit report. The person said that this was my debt from XXXX XXXX company from XXXX to XXXX. I informed them that I settled this account and to take it off. The person said it would remain there until the debt was settled. I do not have proof of this settled account because I can't find it. It's been a few years since I paid this bill, and I don't have my receipt. But my point is that they didn't even send me ANY BILLS or give me any warning or proved I owed this money before they put this on my credit report. I had no chance to dispute this debt before they reported it and lowered/damaged my credit report. I've worked hard at fixing my credit and they are damaging my credit with this unproven debt. I sent them an Email to remove it and it's been 5 months and they have not removed it. I disputed it on XXXX and XXXX XXXX and it has not been removed. Can you please help me get it removed? I settled this account back in XXXX. Thank you, kindly XXXX XXXX
01/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43227	Web
After reviewing my credit report I found an entry on the report from a debt collector which goes by the name of DIVERSIFIED ADJ SVCXXXX. Their address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Their phone number is listed as XXXX. The original creditor is from XXXX. I would also like this same complaint to be sent to XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX company is also listed on my credit report. There phone number is XXXX The original creditor is XXXXXXXX XXXX I was informed by a man from XXXX XXXX, which is a company that assists consumers correct inaccurate information off of their report, that a DEBT COLLECTOR can not collect this debt. He actually informed me that this practice of trying to collect this debt in their name is against the law, UNLAWFUL. I would like a response from this company justifying by law and preferably through the FAIR CREDIT REPORTING ACT. How their actions are justified. I am also demanding that it be removed from my credit report. I would also like to know who and the Credit Reporting Agencies allows this information on the reports and how it gets added to consumers reports. Who grants the authorizations to be placed on consumers reports.
08/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20002	Web
I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and DIVERSIFIED ADJUSTMENT SERVICE , INC . 3 ) ALSO, DIVERSIFIED ADJUSTMENT SERVICES INC, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. 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, I as the consumer never gave PRIOR CONSENT to DIVERSIFIED ADJUSTMENT SERVICES INC, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT ( XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding DIVERSIFIED ADJUSTMENT SERVICES INC, ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ), of the ( FDCPA ). Any other communication going forward DIVERSIFIED ADJUSTMENT SERVICES INC, will be liable to me {$1000.00} each occurrence under 15 USC 1692k of the Civil Liability Section of the Fair Debt Collection Practices Act. Respectfully, Reference : XXXX
05/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 61115	Web
I am being Charged for early terminaton fees on XXXX contracts I cancelled due to being mislead and I feel that XXXX also falsely signed another contract that they did not make me aware of they had me sign the 2 year contract with them using an electronic sign pad then told me that It did not take the first time and that I had to sign again they never told me that I was signing XXXX contracts they also told me that because it was XXXX special I was getting a Free speaker which they charged me XXXX for I would have never bought the speaker for XXXX if they would have told me the truth. When I called XXXX corporate office they said that the employee had been terminated and that they would credit my account XXXX but that they had my signature on the documents when I told them that it was fasley signed they also said that t was my problem I have had many complaints and all they can reaasre me of is that the employee was terminated and that I was not the only person this employee had done this to. I fell that I should not be reponsible for having to pay these terminatin fees due to feeling like they have violated my rights and in a sense commited fraud against me for copying my signature onto documents that I had not agreed to
12/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
My name is XXXX XXXX, I am a XXXX XXXX XXXX veteran. One thing i'm clear about is making sure I pay my bills and take care of my responsibility. I started the process of purchasing a house in XXXX and was told not to do anything with my credit. I was notified via credit monitoring that a company named Diversified Adj Svc has put an collection on my credit report. I called the company about the collection and they said I owed a bill from when I stayed in a duplex in 2015. I assured the collection agency that it was not my debt and I didn't even live in that duplex in 2015. The company told me it was a verified debt. While this is going on, my loan for the purchase of my house fell through. I had to get an attorney because not only did I lose out on possibly building the home of my dreams, this has also made my credit worthiness plummet. I am writing to ask for help in getting this off my credit report until my attorney can file the necessary paperwork seeking damages. I have attached the proof that I did not live in the claimed residence in 2015 at all. It makes no sense that these companies can just put anything on your credit report in complete disregard to the damage it would do without doing the necessary homework.
03/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CT 06111	Web
I was under the impression that my balance on the XXXX account was {$0.00} on XX/XX/XXXX. When I left the rental property I attempted to pay the remaining balance and for some reason the payment was cancelled and returned. I was not made aware of this debt by the collections agency, and upon calling them they had told me they sent notices via postal service to XXXX XXXX XXXX, XXXX XXXX, CT. An address I have never associated with. I informed them I had moved to an address in XXXX, CT, XXXX and that I never received a letter. They followed up with " we attempted to call you ''. When I asked for my phone number they could not give me a number that I associated with in the past. The debt is also listed as being XXXX in collections. This must be incorrect because on XX/XX/XXXX my account was XXXX. On XX/XX/XXXX a payment was made from my checking account to XXXX for {$59.00}. My balance should have been {$260.00} if I was to have a balance. This is not the same amount listed on my collections report. To sum things up, I was not made aware of the debt, they notified the wrong address, and also listed the incorrect account owed. Please allow me to have this removed from my credit report. Best
02/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08831	Web
I am writing to dispute the following information in my credit report file. Original Creditor XXXX Open Date : XX/XX/XXXX Account Name DIVERSIFIED ADJUSTMENT Account Number XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. I disputed this charge with XXXX but Diversified Adjustment, a collections company, claims I owe XXXX {$450.00}. I have never used a XXXX phone or a product. I have never received a bill from XXXX for this amount. Have I received a bill from XXXX, I could have called XXXX, and fixed this mistake myself. Yet this charge of {$450.00} appeared all of a sudden on my credit report as a delinquent charge. I believe I am a victim of Identity Theft and someone with out my knowledge has used my personal details to do business with XXXX to commit credit fraud or other crimes. Apparently a party who will benefit from this collection effort is Diversified Adjustment. This item is - Original Creditor XXXX, Open Date : XX/XX/XXXX, Amount {$450.00} is inaccurate. Under penalties of perjury, I certify that I have never opened an account with XXXX, nor I have purchased any product or service from XXXX for the past 10 or 15 years ( or even prior to 10 or 15 years ).
04/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MN 55379	Web
Called Diversified adjustments Collections agency to set up payment agreement with them because i have someone helping me make payments they give me a offer of half off the amount or a payment agreement for 12 months. I ask for a e-mail with the pay off and the agreement he said yes and he needed his supervisor to sign off on it and he would call me back at XXXX. When he called me back he said he was still waiting and he would call me the next morning. He did not call so i called there and everybody was rude and disrespectful. Then after i called for 2 days in a roll i had someone who was going to just pay them the half off and they bumped the price up and said i never set up an agreement. All i am asking is if i could get a letter of agreements and or settlement. Now i might have to set up agreement cause offer was good for that day. I am XXXX and the housing i want to move to is wanting an agreement to pay this bill off before they will rent to me and Monday XXXX XXXX is the last day they will hold the apartment because they need the agreement or i lose the apartment. I really need and would like to take care of this but getting no where with them. Please help i do n't know what else to do.
06/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web
Received a collection letter from Diversified Adjustments dated XX/XX/XXXX. I attempted to call them on every number listed on their collection letter and to no avail, never could reach a representative. I have called each business day since. To my best efforts yesterday the XXXX I called the collection firm 17 times and was transferred each time by the receptionist XXXX, but NEVER did get a rep or a supervisor to answer. Today I started calling at XXXX XXXX and again today I have called 32 times and again each time, the receptionist XXXX answered and transferred me to various different support staffs. Again, to no avail, no one answered. Not once, has anyone answered. I then have taken the steps to contact XXXX also known as XXXX. Trying to resolve a matter that is over 18 months old and XXXX is trying to collect money they are NOT owed. ALL ( XXXX cell phones, an ipad and XXXX internet boosters ), equipment was returned back in XXXX of XXXX when we switched our services to a different provider. We consistently get phone calls and collection letters for the same thing when this has already been resolved with XXXX aka XXXX as well as all payments were received by the collection agent XXXX.
12/26/2021	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	CA 93933	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
11/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. (XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. Later I complained on CFCB about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. ( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified Adjustments, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.
01/02/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 78253	Web	Servicemember
I received a bill from XXXX in XX/XX/2023. It indicated that my account was delinquent. This was the first and only bill that I ever received from XXXX. I immediately called XXXX and reported it as fraudulent. XXXX launched a fraud investigation into the account. I called back after the 10-business day waiting period for the investigation to be completed. XXXX informed me that they had determined that the account was indeed fraudulent and as such, they would remove the account. They assured me that the account was no longer associated with me and that there was no further action needed. I called back 5 business days later to verify that the account was no longer associated with me. XXXX stated that they would no longer discuss the account with me as it was not my account, based on the fraud investigation, for privacy reasons. In addition, I reported this instance with the FTC as identity theft. This, however, turned out not to be the case as the account was sent to collections. I have disputed the collections with all three credit bureaus. XXXX has closed my dispute after their investigation indicating the information is correct. I am seeking relief from this hardship.
09/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	KY 409XX	Web
I am not certain how the debt collector has obtained my phone number for collection of a family member 's debt. They have called me XXXX times today alone after I explained that I was not the person they were looking for and provided a different phone number for them to call. They are rude to me when I tell them to stop. I am a XXXX, I ca n't have my phone ringing all day in classes, during study time, etc. It 's distracting and humiliating that my phone number is associated with this debt. They wo n't tell me any details about the company they are from. I know they ca n't give details of the debt due to confidentiality. I feel personally attacked and it has got to stop. This is not the first time this has happened from the same number. I usually do n't answer if it is a strange number, but due to my many contacts through school and networking for my future I do not like to ignore a number that calls with such frequency without understanding their intent. My intention is to stop the calls and return to my life. I am in no way responsible for the debt in question nor do I share a residence with this person. I do, however, acknowledge that this person is a family member.
05/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 923XX	Web
On XXXX XXXX, XXXX we signed a contract with XXXX which stated that if we did not like the service we could terminate the contract. We were not able to receive any calls from our house. After seven calls and a visit to XXXX in which we explained our difficulties and were told that they were working on the problem and that it would be resolved. At this time we told XXXX that we terminating the contract. They accepted our termination and apologized. On XXXX XXXX, XXXX we received from XXXX XXXX a letter that we were in debt to them for {$1100.00}. On XXXX XXXX, XXXX we sent by certified mail a letter stating we do not owe the debt and stop the harassment. On XXXX XXXX XXXX we received a letter from Diversified Adjustment Service INC. that our account has been placed with then for collection of {$1100.00}. On XXXX XXXX, XXXX we sent a letter by certified Mail asking them to stop in their pursuit of Client Ref # XXXX Account # XXXX. On XXXX XXXX, XXXX we received a letter from Diversified Adjustment Service , Inc.a payment in full of {$1100.00}. I believe that they have broken a Consumer Protection law and request that you send them a cease and desist letter.
08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78251	Web	Servicemember
Several times we were contacted by number ( XXXX ) XXXX and finally on XXXX XXXX 2017 my wife answered. They disclosed information about a debt owed. She informed them that payment arrangements were already made. I then contacted the collection agency also informed them that the call was being recorded from my end as well. XXXX took the call and insisted that I owed a debt. I informed her that payment arrangements were already made ; she stated that we had missed a payment and for me to prove that a payment was made. She stated that we owed {$2700.00} and asked how I would like to pay for it. We do not owe {$2700.00} ; we owe only {$2600.00}. I have never received a written notice from this company ; additionally XXXX failed to inform me that I had a right to dispute the debt, furthermore she indicated that they just received the account on XXXX XXXX 2017. On my credit report the name of a collection agency is XXXX XXXX XXXX ; XXXX informed me that her companies name was XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. Even though we have payment arrangements made with XXXX this company still insists that we owe the money to them.
10/11/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 14213	Web
I have already had to file a complaint against diversified adjustment service with the BBB because they were threatening my credit report and refused to allow me to dispute a debt they keep calling me over. I advised them I am disputing the debt and they will not allow me to do so. Now they constantly call my phone to harass me. I have told them 4xs now to stop calling my phone and they will not. This is harassment and I want it to stop. I just called XXXX XXXX today and advised XXXX the third party they sent information to is harassing me and I want it to stop as I have been making monthly payments to XXXX XXXX for a past due balance. XXXX XXXX gets $ XXXX as we originally agreed to before they placed my account in collections and I am now being harassed and it is against the FDCPA to continue to call and harass a consumer after they are told to stop and after I advised them I am disputing the debt. They are to not call me for 30 days while they investigate the dispute in which they have failed to do. I want a validation and verification of debt from Diversified Adjustment and I want them to stop harassing me. I have already asked 4xs to stop.
01/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37129	Web
I received a letter on XXXX XXXX from Diversified Adjustment Service Inc stating that an alleged account through XXXX had been placed with them to collect XXXX. I responded to the letter by sending a certified debt validation letter. I had previously received a collection letter from a company called XXXX XXXX claiming they had received my information from XXXX trying to collect the same alleged debt. They had went so far to furnish it on my consumer report without validation. I sent them a validation letter and they ended up removing the collection. Fast forward to Diversified Adjustment harassing me about the same alleged debt. I sent them a validation letter and they sent back a statement/bill, nothing with my signature or how they even calculated the alleged amount diversified was accusing me of owing. I sent them back a letter stating the statement that was sent to me was incorrect and the information that was sent was not what I requested to validate the alleged debt. I went to check my consumer report and seen where Diversified had put the collection on my report. Diversified has violated my right to privacy as a Consumer and the FDCPA.
11/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL XXXXX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX had devices in order for them to operate the non profit rescue of animals with XXXX XXXX. XXXX went through economical changes and with in a month disconnected all devices - with attempts to resolve the issue they would not answer at all or put on hold with offshoring companies. With COVID you could never get ahold of them - now the volunteers that answer the XXXX number which serviced the old XXXX is getting calls threatnening the business with ghetto and co, unist type approaches " are you the business owner ... are you at PO BOX XXXX .are you the owner? XXXX changed owners several times - and the original one XXXX XXXX that started the organization is dead - In the mean time they tacked on charges up to XXXX - we do not have a n issue giving them them the XXXX that was outstanding but to put money in the pockets of some crooks that just woke up from COVID because they thing Trump is not in power becuase the rep stated that is just crazy - These companies should be regulated and not allowed abusing the people - It is called Diversified XXXX Diversified Adjustment Service , Inc. : Debt Collection Agency ...
06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 616XX	Web
I logged in to check my credit today and saw a collection account on my credit for Diversified Adjustment, who is apparently attempting to collect an account on behalf of XXXX. When I started XXXX service a couple summers ago, I was offered a no-commitment trial period. Within the first two ( 2 ) weeks of starting service, my phone factory reset itself causing me to lose EVERYTHING, including some pictures of my 2 year-old son who had passed. I immediately returned to the store to return all the phones. The man at the store refused to take the phones back unless I agreed to pay a fee on the spot. I told him this was not explained to me at the time I purchased the phones and demanded to see a copy of the contract listing this fee. He was unable to produce it. I told him me returning the phones was non-negotiable as I no longer wanted anything to do with XXXX. He continued to be belligerent, so I left the merchandise on the counter and left the store. My teenage daughter was with me and witnessed the entire event. As to Diversified Adjustment, I never received anything from them at all or I would have disputed this account with them.
08/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IA 503XX	Web
I had a bill for {$900.00} owed to XXXX XXXX XXXX. I paid this bill directly with XXXX on XX/XX/2020. On XX/XX/2020, Diversified Adjustment Service Collections reported that I owed them {$900.00} to all 3 major credit bureaus. They reported this incorrect information after the date that the bill had been paid directly with the original company. This is a violation of FCRA. This lowered my FICO score by 24 points. I called Diversified Adjustment Services to dispute this credit reporting. They refused to help at all. Refusing to update incorrect information on a credit file after being made aware of it is another violation of the FCRA. Diversified Adjustment Services sent an update to the credit bureaus on XX/XX/2020 stating that the account had been paid. They did not put a note that this account is in dispuite. This is another violation of the FCRA. This further lowered my FICO score by 14 points. This account should never have been reported to the credit bureaus in the first place and the information should have been immediately removed after they were made aware that the reported information was incorrect.
06/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30043	Web
In XX/XX/XXXX : I spoke to XXXX XXXX Supervisor XXXX & XXXX ( CS REP ) at the credit bureau and they both advised that XXXX XXXX agreed to Delete the adverse collection for XXXX XXXX Acct # XXXX ) off my credit report. On XX/XX/XXXX ( I received an email from XXXX XXXX ) confirmation that the collection was an error. However, their letter did not state that they SOLD the bogus collection to Diversified Adjustments! Now, Im forced to dispute my credit bureaus account again, re-submit a claim to CPFB, and upload the same information showing I have no debt with XXXX. Losing over 100 points off my credit score! The credit bureau supervisor also advised that XXXX can keep selling this bogus debt to multiple collection agencies until XXXX. This is insane, unethical, and outrageous! I was on autopay with XXXX and over the years I had to endure multiple errors on my account. I have had to place cellphones on stolen alert due to staff leaving with my phones, but never had I ever had to deal with this type of combined unethical practices! Once again, Im crying out to the CPFB to make all parties aware of this dispute.
02/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97801	Web
On XX/XX/XXXX I received a debt collection letter from diversified Adjustment, Services on behalf of XXXX XXXX for {$2600.00}. I immediately called XXXX XXXX, as the collection agency was closed. I was informed that I had opened three lines of service at one of their wireless stores almost 200 miles away from where I lived. They said this took place on XX/XX/XXXX. This was the first letter I had ever received and first knowledge of this account. They said in order to open an account in store I would have had to show my ID as well as give my social security no. This was NOT ME. I closed my account with XXXX XXXX in XXXX of XXXX. I have since been with XXXX and now XXXX with the same phone number as I had with XXXX XXXX. I feel that perhaps the customer service person at XXXX XXXX helped someone commit fraud or did not properly check identification as there are no other suspicious activities on my credit reports. I have, this date, XX/XX/XXXX, frozen all three credit agencies as I am afraid of having my identity stolen again and that there could be other accounts out there in my name that I am not aware of.
01/17/2023	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	MD 207XX	Web
I received notice from a credit monitoring service that a new collection account was added to my credit file. I am not familiar with the creditor and have never been notified via USPS or email of such intent to collect on this supposed debt. I am concerned that no basic action of collection or notification took place prior to this collection account appearing on my credit-negatively affecting my credit score. I have asked the credit bureaus to dispute this information, on my behalf, however the dispute came back with results that said, " this account is verified by the company as being accurate '' and will remain on my credit. How is this possible when I was never notified of the intent to report to the credit agencies. THIS IS SO UNFAIR. My prayer for relief is that this account be removed, and the proper collection actions take place which allows myself and other consumers the chance to validate and/or pay this debt in the allowable timeframe my law. I was not given that option-now this collection account appears on all 3 of my credit reports negatively affecting my credit score and history.
05/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32712	Web
On XX/XX/XXXX, I sent a letter to Diversified Adjustment Service asking them for validation ( not verification ) of a debt they had placed on my credit as a collection. I've never entered into a contract with this company. I requested an original agreement with my signature on it, an agreement between this company and the alleged original creditor, and I also asked for proof that they had a right to collect on any date in my state ( Florida ), as there's no proof that they are a licensed debt collector in Florida. On XX/XX/XXXX, the company responded with an itemized statement. This clearly isn't a validation of debt. On XX/XX/XXXX, I sent another letter asking for validation again. If not, I requested that the company deleted this from my profile. I asked for a reply or a deletion within 30 days. Today is XX/XX/XXXX, and this alleged debt is still on my credit profile causing serious damage. Also the company has not responded. I'm submitting this complaint because the company hasn't validated the debt, nor has it provided proof that it is even legally able to collect on debts in the State of Florida.
02/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11224	Web
XX/XX/XXXX - Financial counselor from XXXX XXXX, run by XXXX XXXX, becomes my advocate against Debt Collector, DIVERSIFIED ADJUSTMENT. " XXXX '', acting on the directions from my financial advisor, sends DIVERSIFIED ADJUSTMENT letter dated XX/XX/XXXX to verify the debt according to federal, NY State, and NYC laws. Letter and tracking documents providing proof of delivery are attached. XX/XX/XXXX- XXXX emails regarding the fact that debt collector has not responded and tells me " If the collection agency isn't able to confirm and verify the debt then they can't collect from you. If they can't collect, they should remove the collection from your credit report. '' After waiting another week for a response and not receiving one, I send my dispute to XXXX. XXXX decides not to take action against the debt collector and not to enforce verification/validation of debt ( see attached XXXX Report ). Upon further advisement from XXXX, a second letter is issued on my behalf by XXXX dated XX/XX/XXXX. Letter and tracking documents attached. Please read my full testimony in the attached word document.
07/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 161XX	Web	Older American
Since XXXX, Diversified Adjustment Services continues to leave generic robocalls on my landline answering machine ( from a variety of numbers, changing the last XXXX digits ), stating that they are calling me for a debt collector, that I need to call XXXX, despite the fact that I do not have any delinquent debts. I have filed XXXX complaints with the " Do not Call Registry, '' since my answering machine clearly states that my number is an unlisted number, and is on the registry. I have also filed a complaint with the FTC. Last night ( XXXX/XXXX/16 ), they called again. So, I decided to try this. I recognize that debt collectors have a loophole to get around the " Do Not Call Registry '' ; however, that should only be for someone who may have a delinquent debt, and that the debt collector calls personally. This agency obviously does not know who I am, because the robocaller does not use my name ( because they do not know it because I have no delinquent debts ). If they think that they can scare/scam me into returning the call, that will not happen. ( because I DO NOT HAVE delinquent debts )
05/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32086	Web	Servicemember
Please refer to complaint XXXXXXXX is alleging that I owe $XXXX which resulted their breach of contract. Also, I did not have a signed contract with XXXX. XXXX, Diversified Adjustment Service, XXXX XXXX XXXX, and XXXX XXXX are all represented by XXXX. These companies have failed to provide the, oral contract, that I had with XXXX. I request a transcript of this oral contract on about 15 different occasions over the years. XXXX breached its contract with me and that breach resulted in the alleged debt of $XXXX.On dozens of occasions, with XXXX and their collection agencies, I have tried to settle this debt to avoid the horrible tactics of the collection agency. Finally, the CFPB ordered this debt from my credit report but now XXXX is circumventing your agency by emptying another debt collectors named diversified adjustment service. To be clear, I do not acknowledge this debt.XXXX has been notified in writing to cease and desist communications but they are not obeying that order. The collection companies have not been operating in accordance with the Fair Credit Reporting Act.
08/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 47714	Web
XX/XX/2023 : I switched phone service providers AFTER paying off the remaining amount of both of my phone payments. I was told by my current provider that I do not have to notify my old provider of the switch unless I had ongoing payments which I did not. XX/XX/2023 : I recieved a letter from a debt collection agency known as Diversified Adjustment Service, Inc.That I owed {$350.00} as of XXXX via mail. I was never contacted before this date for anything regarding an account with my previous phone service provider because my account closed when I switch providers XXXX. XX/XX/2023 : I sent a debt validation letter to Diversified Adjustment Service , Inc . Using the same address the debt letter was sent from and my letter was sent back. I attempted again with their corporate address with the same result. I do not plan to call them for their website states that calling them on the phone will be seen as an attempt to collect a debt and all information given will be used to do so. I was notified of the right to dispute the debt through them and I feel like that right is being ignored.
04/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Diversified Adjustment Service sent a letter to me dated XX/XX/2018 claiming I owed a cell phone bill from XXXX. I promptly contacted " DAS '' and told them I did not know what they are talking about. The debt was added to my credit report without my knowledge anyway. I then sent two certified and Notarized letters to " DAS ''. One was a section 609 letter the other was a section 605 letter asking to verify the debt. Their company could not verify the debt so it was removed before 30 days had lapsed. However, XX/XX/XXXX of this month " DAS '' added the debt again without any notices no correspondence what so ever. I contacted " DAS '' directly to let the company know that they violated the FCRA by not contacting me and not verifying the debt. I spoke to two representatives and verify myself and they both said I owed the debt they wouldn't listen to anything I had to say they both were very rude one going by the name XXXX. I then contacted XXXX to file a complaint with the company the company claimed they didn't know who I was. I have all correspondence that was sent to " DAS ''.
10/18/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29485	Web
I have received harassing calls from companies/organizations claiming to be associated with XXXX XXXX XXXX regarding my current cable account. The numbers they call from are different but I most often receive calls from ( XXXX ) XXXX. Ive received the most recent calls and voicemails from this number on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; however other calls and voicemails have come from different numbers for the past year making the same claims. The most recent calls have been from ( XXXX ) XXXX. These calls occurred on XX/XX/XXXX and XX/XX/XXXX. Ive spoken to these people, who have hung up on me numerous times when I state how uncomfortable I am when I refuse to share personal information. They state that I have an unresolved debt with my current cable company. I have called my current cable company, as well as logged into my online account and its been confirmed numerous times that I have a {$0.00} balance. The numbers that call me often call after normal business hours and use harassing language and threatening tactics. They have threatened to continue to call.
03/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48340	Web
On XX/XX/2018 I received an alert through my credit monitoring site. The notice I received was a notice that Diversified adj svr had added an account to my credit report totaling {$670.00}. First of all I have NEVER recieved any type of letters or phone calls from this company. I have no signed contracts with this company and I also researched them and seen they were based in a state that is not the State of Michigan. According to the Fair Debt collection Practices act ( FDCPA ) what they have done is completely ILLEGAL and seeing as I have already talked to my lawyer I am entitled to compensation of {$1000.00} in statutory damages. Because of reasons such as this I have the USPS ( government ) send me electronic versions and screen copies of all mail that is sent to my address for my safe keeping and have legal proof that nothing was ever sent to me, so like I said this company needs to cease and desist all collections regarding this make up debt or I will exercise my consumer rights as high as I can. I want these falsified items deleted from all of my consumer reports NOW.
10/11/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85037	Web
Around XX/XX/2021 There was a debt added to my credit report in the amount of {$1900.00} from Diversified ADJ SVC, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I sent my Identity Theft Report to them on XX/XX/2021 because I did not recognize the alleged debt. I received back a letter from XXXX Fraud Management stating that they have completed an investigation and have denied my notarized Identity Theft Affidavits, forms, and identification that was sent to Diversified ADJ SVC originally. On XX/XX/2021, I responded to XXXX Fraud Management challenging the accuracy of this record and asked for them to send me proof that this account was opened under my SSN and not an EIN. I asked them in writing that if they could not produce said documentation that they remove this item from my credit report immediately. On XX/XX/2021, I received the same letter back from XXXX stating they denied my claim. This debt was not established by me under my social security number. XXXX is choosing not to submit to me the required documents that are related to this alleged debt.
08/29/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MO 63401	Web	Servicemember
I have been receiving very RUDE calls from a debt collection agency called XXXX XXXX on behalf of XXXX. XXXX. Stating that I owe an out standing bill amount for cell phones of which i do NOT have and an outstanding balance of over {$1000.00}. My name is XXXX I've explained this over and over time and again to these individual 's that keep calling me that I don't have the products in question but also I have only missouri XXXX AND XXXX. income i have been XXXX since XXXX. And this debt collection agency has been calling me since XXXX. No other icome do I have except the {$770.00} per month that is as Ive learned in the past year are both State and Federally protected. But they keep calling me even as going as far as calling me out by First name getting rude with me and saying things like what your XXXX etc etc. I just would like the debt gone and some dignity intact I am a proud Veteran of the XXXX and I dont appreciate being belittled over the phone. I was raised right and use my manners even when someone as rude as that lady said that awful stuff to me.
02/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76549	Web	Servicemember
I checked my credit report and show DIVERSIFIED ADJ SVC the account was received from XXXX XXXX XXXXXXXX XXXX XXXX I have not been picked up in any emergency vehicle and by me being in the military I am covered by my insurance. I called the company to see why it was on my credit report, when I verified my name and birthday, they were unable to find me. They said they find an account but had a different birthday. Come to find out the information they have is my name with a different birthday. I informed them I was not picked up by any emergency services nor was I hospitalized on or around the date they have. They asked me to verify my birthday again and I was then informed to contact the Credit Bureau and have it removed. When I made the disputes, it keeps saying account is verified. I don't understand how because the person that was hospitalized was my mother-in-law, we had the same address at that time. I believe the company don't want to remove it because my mother-in-law has since passed away and they are trying to make me responsible for her debt.
06/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33411	Web	Servicemember
I received a letter of debt collection from DIVERSIFIED ADJUSTMENT SERVICES, INC. on XX/XX/2022. The letter stated that I owed XXXX XXXX a debt of {$51.00}, for which they are collecting. I have never conducted any business with XXXX XXXX. I called DIVERSIFIED ADJUSTMENT SERVICES on XX/XX/2022, at approximately 4:30 pm to enquire what the Debt was for. I was told by a DIVERSIFIED ADJUSTMENT SERVICES representative that the debt was for a savings account I have with XXXX XXXX. I informed DIVERSIFIED ADJUSTMENT SERVICES that I have never conducted business with XXXX XXXX and do not have an account with them. I immediately called XXXX XXXX using the account number ( XXXX Account Number XXXX ) provided by DIVERSIFIED ADJUSTMENT SERVICES on the letter. XXXX XXXX representative said the account is under review for fraud and is suspended and that they would notify DIVERSIFIED ADJUSTMENT SERVICES. XXXX XXXX representative would not give a reference number as to the fraud investigation. He also stated that I should lodge a complaint with CFPB.
08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60419	Web
1. Public record- XX/XX/XXXX-Reference number XXXX : Account in question was never filed and the courts report no record of initial documents. Letters were sent onXX/XX/XXXX and XX/XX/XXXX requesting that all 3 bureaus please review their records, and verify the account number, and date associated with this item as it is negatively impacting my credit score and do not match my records. My request was to remove this account from my consumers credit file. My request was ignored and it has been 60 days which is a direct violation of the FCRA. Additionally, the following 3 accounts are not mine ; the XXXX XXXX account was paid in full and should reflect this on my credit report. These accounts were reported as inaccurate onXX/XX/XXXX. Re-investigation was requested on XX/XX/XXXX and I have not received a response : 1. XXXX XXXX XXXX Account # XXXX, Amount {$820.00} 2. XXXX XXXX -Account number XXXX, Amount $ XXXX-Original creditor : 11 XXXX. 3. XXXX-Amount $ XXXX-Original creditors-XXXX 4. XXXX XXXX-Acount should reflect PAID IN FULL.
02/21/2016	Yes	Credit reporting	Incorrect information on credit report Account status	MN 55429	Web
My utility, XXXX XXXX was ongoing from XX/XX/XXXX in XXXX, XXXX I paid all my bills on time every month before moving to XXXX ( XX/XX/XXXX to XX/XX/XXXX ). I never had a {$36.00} XXXX XXXX bill balance from XX/XX/XXXX nor XX/XX/XXXX, but this collection appeared on my account in error because XXXX XXXX @ ( XXXX ) XXXX told me they never had any record of this {$36.00} owing from eight to nine years ago? So I paid it anyway but it has not been removed from XXXX credit reporting. Not only is this debt erroneous but its nine ( 9 ) years old! NOT the seven ( 7 ) years that Diversified Adjustments Collections @ XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX phone : ( XXXX ) XXXX. They are maliciously reporting this after nearly nine ( 9 ) years and have refused to stop doing so after I telephone and spoke to them XX/XX/XXXX. I DEMAND this erroneous collection to be removed from my credit report. I have been an XXXX XXXX customer since XX/XX/XXXX in XXXX, XXXX nearly 25 years and I have never missed a payment. I will mail supporting documents.
07/30/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 15212	Web
well XXXX got me, gave be a better deal was to pay of my XXXX and they also took 4 of my phones, well when I was a the XXXX store I let the XXXX guy get into my XXXX to have all payments cleaned up, 3 week later nothing I was turned into the collections agency 's for my XXXX, so I paid that, then every other day I would call to ask for a manger or would drive down well the guy who took care of me got fired but yet I was still determined to get to a manager, XXXX XXXX XXXX XX/XX/2017 was not able to drive for a few but could call, still no manger well was ready to do some driving still no manager to talk to so will XXXX breaking contract first buy not paying XXXX I shut XXXX off not only they owe me XXXX for paying back XXXX they also owe me for 4 cell phone they lost well here I am I disputed this with XXXX and was deleted from my report XXXX XXXX account # XXXX now someone else have bought it and placed all creditors on all my 3 reports I don't know what to do, not only have they lost it also fraud thank you XXXX XXXX XXXX
11/13/2019	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 Problem with personal statement of dispute	ID 83709	Web	Servicemember
I was given the option twice by the XXXX to terminate my account due to the lack of service provided by them. I accepted but they continued to charge me and never terminated the contracts as specified and offered when I accepted the offer in 2018. They turned around and sold the account to a debt collections agency, I denied the account due to the agreement I had accepted with XXXX. Now the account has been bought by another debt collector whom has never offered to settle, negotiate or even submitted a request for information on the account. They have just reported the account on my credit and I have disputed it and it was immediately denied within 24 hours and deemed accurate even though XXXX has recorded conversations of the offer of termination of account without penalty and acceptance. DIVERSIFIED ADJUSTMENT continues to violate the FDCPA rules and regulations regarding validation and accuracy of debt. They are facing legal action by federal suit unless this is taken care of immediately and removed from my credit.
02/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33409	Web
Called into this company multiple times to discuss an invalid collection. All three times i was hung up on by the representatives after simply supplying them with the account info. They claimed they could access my account and hung up in my face 3 times in a row. 100 % unacceptable for a company that has the ability to ruin credit. They have sent over debt verification that is invalid. The amounts owed make completely no sense and the signature is no where near mine. According to the paperwork diversified sent me, i took out a lease contract for a phone on XX/XX/XXXX in the principle amount of {$380.00} after putting {$390.00} down and {$41.00} per month to pay iy off. Not only did i not take out a contract on this date but according to the most current invoice dated XX/XX/XXXX it says i owe {$480.00} on the same phone a year later. How can i owe {$480.00} on the balance of the phone a year after i supposedly owed {$380.00}? As previously stated, ive had multiple unsuccessful attempts contacting this company
03/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30039	Web	Older American, Servicemember
In XX/XX/XXXX I filed a Chapter XXXX bankruptcy for 36/60 months. I canceled my service with XXXX and returned all the equipment back to them. Since the cancelation, I have received a collection notice from numerous collection agencies and each time I dispute and verified that I am in Chapter XXXX and returned all leased equipment ( I still have my original Drop-off package receipt from returning the equipment. ) In XX/XX/XXXX a new creditor named Diversified Adjustment Service , Inc. reported {$1100.00} on my credit report without any notification of an attempt to collect. XXXX received its equipment and sold this debt before verifying, that debt collector verified but still sold the debt and now we have this collection agency purchasing a fake debt and instead of verifying just put a derogatory marks on my credit report ; while I'm still in Chapter XXXX bankruptcy. I would like to be clear, the amount is for the leased equipment and not for early termination. I open the account with a XXXX in XX/XX/XXXX.
10/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10458	Web
I was applying for a credit card and was denied in the beginning of XX/XX/XXXX. I looked on my credit report and saw there was a collection agency on it, Diversified Adjustment. I called them and spoke with XXXX, XXXX. She asked me if I live at XXXX XXXX XXXX XXXX and I said no. I later called om XX/XX/XXXX and told XXXX I never got a debt verification letter and she explained XXXX was the ones who hired the collections agency to get money they thought I owed them. I took 1 week off to get things sorted and to get a police report that indicates grand larceny, from XXXX as it was a XXXX employee XXXX XXXX XXXX that opened a second account without my knowledge and bought {$7100.00} in my name, committing identity theft as he asked me for my whole social # and took a picture of my drivers license. I emailed the collection agency four times to give me a letter that shows the debt that is being owed. They never responded to me. XXXX hung up on me as well as XXXX. This collection agency breached the FDCPA.
04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46168	Web
I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. XXXX is the only bureau that will not remove these collections from my credit report. Diversified adjustment and XXXX XXXX XXXX XXXX have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my experian credit report.XXXX and XXXX has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through XXXX, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the XXXX account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.
01/04/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 81001	Web
Receiving recorded message daily for 3 months from " Diversified Adjustment Service '' debt collector. The " service '' does not ask for us by name and never has because we believe they are merely attempting to attach a name to our non-published phone number. The " service '' always request that we contact them at their XXXX phone number, and we believe that their software will identify the person and no-pub number they are calling daily. Their is never an active person on their end, and they prefer leaving a daily msg on the answering machine. We have had to leave our machine full so that it cuts them off, which means that we can not receive other messages. Why do n't these buzzards have an active representative contact us to verify that they have the correct party/parties? They are merely manipulators attempting to ascertain info from private phone numbers and do not want to divulge who they are wanting to contact because the person probably does not exist. Phishing and unnecessary harassment ...
01/30/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	PA 15221	Web
On XX/XX/2023 I signed up for mobile services with XXXX for internet and wireless services. XX/XX/XXXX the equipment was delivered. XX/XX/2023 I cancelled the services. I contacted the vendor and I was provided labels to return the merchandise. XX/XX/XXXX the equipment was returned through the postal services. The equipment was returned with labels provided by the company. XXXX proceed to withdrawal electrical funds without consent for XXXX month. My bank tried to contact the vendor without resolution. My bank refunded me the cost. XXXX removed funds 3 times. XXXX sent me to collections. I sent a letter to Diversified Adjustment on XX/XX/2023 requesting proof that I owed the bill. As of today, I have not had any response. I'm trying to obtain a mortgage and I can't with this bill on my credit. I am demanding this be removed from my credit, since it is not valid. If needed I have proof of documentation. Also, I never opened the box or turned on the internet or mobile service. XXXX XXXX XXXX
05/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	KY 41015	Web
cin.bell refused to honor my promotional fee when I moved from my house. I was being charged more than i was before. I tried calling to have this fixed and even filed XXXX complaints with the XXXX. This is not the XXXX time this has happened. the last time I had their service I had to file with the XXXX and that time it was corrected. I continued to pay what i was told while working to get the situation fixed. At that time they were charging me late fees and a higher bill. I had the service shut off in XXXX and returned all equipment. They continued to charge me for another 6 months which i did get fixed and was told I would get the final bill in XX/XX/XXXX Didnt get it till XX/XX/XXXX.and was working on deputing the charges again but now Its on my credit report.They are charging me for a cable they said I did not return which I did. I dont owe this amount they are trying tocollect. I have proof with my billing statements and checks that the billing was inconsistant to what I was told.
07/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 708XX	Web
on XX/XX/2023, I received a notification from my credit monitoring agency that someone added a collection account to my credit file, so I logged in and discovered it was a company that I had no previous communication with or have never been contacted by previously offering dispute nor payment options if I indeed owed the debt. on XX/XX/2023, I sent the company a certified letter asking for validation as well as asking why I wasn't offered an opportunity to verify this debt before placing this debt onto my credit file. on XX/XX/2023, I received a letter and a statement from this company stating that this was validation, and on the back of this letter offering a place to add my payment information to pay this company that I still do not recognize. on XXXX XXXX, I sent the company a certified letter stating that this still isn't significant information linking me to this debt & also stating that I should have been properly advised of my rights to validate this alleged debt.
12/12/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 355XX	Web
I have been reaching out to XXXX over the past year about a {$3300.00} debt they claim that I owe. I have responding to them via mail as well as phone in regard to the about of phone calls I have received as well. They debt is currently with an in house collection they use named XXXX XXXX XXXX and they have been contacting me via phone since XX/XX/17 prior to then it was XXXX calling ... .. Upon calling I am always informed that this debt will continuously report on my credit file and that handling it would clear up any negatives. The inital debt was {$2500.00} ; however, it is now, {$3300.00} and they have stated it will continue to increase the longer I go without paying them. I have exhausted all options and everytime I request verification or validation I am sent a phone bill and they always state they will no longer communicate with me until I am willing to make payment.. This negative account is really affecting my credit rating and ability to obtain employment.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36330	Web
I have reviewed my credit report and I have found several inquiries that are fraudulently incorrect. I have reported an identity theft as of XX/XX/XXXX, Disputing accounts that are on my credit by several different companies all who are named in this complaint. I would like to file a complaint against these companies due to the fact that I have previously told them that this is an identity Theft. also the fact that they continue to sell this debt to debt collectors. As a result, my credit report has been severely impacted because they are the only items reporting negatively on my credit report. I have also filed a report with the FTC identity Theft website due to the fact that these bills are not caused by me! I checked my credit report in XXXX XXXX XXXX and saw that these dates have been added to my report I would like these items removed once and for all from my credit report! Companies reporting fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
03/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60453	Web
I received a collection letter from a company called XXXX XXXX XXXX XXXX on behalf of XXXX claiming that I owe {$4400.00}. However, I have never opened a XXXX Account. I contacted XXXX XXXX and sent them a letter on XX/XX/XXXX, requesting verification of this debt. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that they were unable to verify this debt and removed the debt from my credit report. As an additional measure, I went to my local police station and completed a police report about this identify theft. However, on XX/XX/XXXX, I received a letter from a new debt collector, Diversified Adjustment Service , Inc. attempting to collect a XXXX Debt in the amount of {$4400.00}. XXXX and the subsequent debt collectors have been unable to verify this debt but are still continuing to try to collect this debt. They are now contacting me at my office as well. I have no idea how to resolve this matter further and I am seeking your assistance. Thank you.
10/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20747	Web
My voicemail indicates that I am repeatedly being called by unidentified representative ( s ) associated with Diversified Adjustment XXXX Services, a debt collection business. Telephone # XXXX or XXXX. I DO NOT HAVE ANY PAST DUE DEBTS and have never had any debt that was referred to collection. My Credit Score is over XXXX, and I do not respond to any call from any debt collector who obviously has the wrong telephone number!!! I am a single woman ( never married ) with no children, and have always paid my financial obligations on time!! I regularly monitor my personal financial information to check for signs of unlawful charges/theft. I have not received any indication or documentation that suggests I am the victim of identity theft. I also screen telephone calls from unknown sources, and respond to only those which are based on legitimate voice/reason. Hopefully, the measures that I take minimize the chances that I become a victim of a credit/financial scam.
06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30349	Web
I have reached out to said companies several times about the inaccurate information being reported on my report. In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) 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 7 years. 15 U.S.C. 1681s-2 states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27616	Web
Recently, I disputed a trade line being reported on my credit reports by XXXX/XXXX XXXX XXXX. The results of the dispute came back as 'verified and accurate '. Thus, because I have no knowledge of this debt, and I disagree with the amount claimed to be owed, I disputed the debt directly with XXXX. I specifically asked for full accounting for the amount claimed to be owed. Meaning, I would like to see the billing and payment history from the date the account opened until the date the account closed. Furthermore, I asked for proof of contract. XXXX failed to send me any of the requested info, but instead, they sent me a typed up bill summary ( attached ). Lastly, I spoke with a XXXX employee and I was told that my records didn't exist and that this account has been placed with Diversified Adjustment Service, Inc for collection. The account has been placed with Diversified Adjustment Service, however, it is being reported by XXXX XXXX XXXX on my credit reports.
06/12/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11411	Web
I spoke to a representative at Diversified Adjustment Service Inc. who represents XXXX the phone company. They told me that I could settle my debt with XXXX if I paid half of the owed amount to them. I paid XXXX dollars and was told that I no longer had a debt with sprint. I called XXXX two days later to confirm that my debt was paid and they informed me that it was not true but I still owe them a few XXXX dollars. When I explained what happened and what I was told they said that it was not their problem but I still owe them. I called Diversified and was told by a new representative that what happened is not their fault but they could transfer me to a manager who did not answer. I called back multiple times only to be transferred multiple times to the voicemail of the manager. I explained to both XXXX and Diversified that financially this is a hard time due to losing my job to Covid 19 and I only paid the debt to protect my credit. There was no resolution.
07/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 55429	Web
Diversified Adjustment Service , INC . XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX I received an email alert from XXXX XXXX that a company named, Diversified Adjustment Service , INC. had reported a debt from XXXX. On XX/XX/2019 I called the company and explained that the my phone was returned and paid in full. On XX/XX/2019 @ XXXX XXXX I sent an e-mail to a representative of Diversified Adjustment Service, INC. giving them proof of my paid receipt from XXXX. At the end of XX/XX/2019 I called Diversified back because it was still on my credit report. The representative said XXXX had not responded back yet. I called back towards end of XX/XX/2019, and the representative said the same thing. I have my original paid in full receipt from XXXX, which I emailed to them. I would like help in resolving this because Diversified is not removing it from my credit report even though it has been over 60 days since they notified XXXX with no response from XXXX.
11/22/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 452XX	Web
I received correspondence in reference to a debt in which is not owed to me at my address. I attempted to contact the debt collector two times, in which I was hung up twice by two unprofessional employees. I called a third time, and mentioned I wanted an address to send information about a lawsuit against the company to, in which the woman transferred me to their quality assurance number, which was just a recording. When I called the second time, the man mentioned that he would remove my phone number from their calling list. When I called the first time, the woman must have put my phone number on their records without my explicit permission after telling her that I do not owe the money to them. I have never had cellular service with XXXX in my name. Which is the original creditor mentioned in the correspondence. I was requested to send in a fraud packet to XXXX. This company is persistent that I pay them, when I do not owe the debt to them.
04/25/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77033	Web
I received a letter on XX/XX/2019 regarding an account ( ref # : XXXX ) requesting for me to pay a balance of {$350.00}. I replied to the letter from the company ( diversified Adjustment Services INC ) requesting for them to validate the debt. I have yet to get a response, however, they have inserted this information to my credit report. This has caused me to have to delay proceeding with buying my home due to a recent collection that hit my credit report. As a result, I will have to pay an inflated market rent for an undetermined time to my landlord due to me not being able to signing an extended lease. No one at Diversified 's office has helpful with determining the validity of this debt. I have never done any business with the company and am not sure how they have received my information. I requested a validation due to the fact that I am a XXXX and I have had to fight recently to remove information that belonged to my father from my report.
12/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 397XX	Web
XX/XX/XXXX, Diversified Adjustment Service reported a collection account to the credit bureaus as belonging to me. I disputed the account because it was not listed in my name, and I did not have an account with XXXX. XX/XX/XXXX, I filed an identity theft report and made a complaint with CFPB. The debt was removed. Diversified Adjustment re-aged the debt and reported as a new collection on my report and placed the debt back on my XXXX report in XXXX, XXXX. I sent in proof that the account had been removed because of Identity theft. It was removed. Again the account is not listed in my name. Then the company added it to XXXX, and I sent in evidence to them and they removed it between XXXX and XXXX, XXXX. Now, XX/XX/XXXX it has shown up on XXXX without any notification from the debt collectors. It was also reported and removed from XXXX in XX/XX/XXXX. This company completely ignored the identity theft report I made on this account in XXXX, XXXX.
08/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 63118	Web
XX/XX/2021 I have sent DIVERSIFIED ADJUSTMENT a Affidavit, Cease and Desist, and enforcement action with invoice attached. The company has committed identity theft, they have taken my information and has furnished unverified/non-factual information on my consumer reports to attempt to collect a debt, this is a violation of both the fair debt collection practices act and fair credit reporting act. I the consumer has received injury due to the willful and intentional robbery of my identity, they have impeded my consumer report without direct permission from I the consumer, I have never had any type of contract with DIVERSIFIED ADJUSTMENT, understand DIVERSIFIED ADJUSTMENT has committed federal violations towards I the consumer. They should have never had any of my informationn without consent or contract, I Demanded that DIVERSIFIED ADJUSTMENT pay the invoice for each individual action committed and removal from all credit reporting agencies.
02/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90813	Web	Servicemember
My credit is being ruined by a false bill generated when I initiated a contract back in 2016. The company had a promotion that you could take the phone and tablet back if you didn't like phone service. So the phone service was horrible and didn't work as advertised in XXXX, which is where I needed it. I returned the devices and told the store that they would handle the account and close it with no charges. Years later, I find out they have placed this account into a collection status with a Diversifified Adjustment Services Inc. I have called XXXX to resolve the issue, but they refuse to speak with me and give me a breakdown of the charges. The only thing the company will provide is a bill that states I owe them but doesn't state what services were rendered or their associated costs. They are literally making the numbers up and won't justify nor speak to me about the charges. I know this has to be highly illegal, if not extremely unethical.
06/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76036	Web
My complaint is against Diversified Adjustment Service , Inc at XXXX XXXX XXXX, XXXX, MN XXXX I believe the account XXXX XXXX was created fraudulently to extort money from me. I don't have or have never had an account with XXXX XXXX. I have had this appear on my credit report XXXX XXXX XXXX in the past and had it removed due to fraud. I tried to pay Diversified Adjustment Services, INC to make this go away. I received a letter that if I paid {$110.00} of the {$160.00} debt that they would close the account as paid. After I submitted an electronic payment from an account in good standing and with the funds available, I received a letter that the check was returned, I was charged an extra {$25.00} and that I needed to send them a physical check within 5 days of the letter dated XX/XX/21. Please stop this extortion. I am positive this is a fraud and {$110.00} will wind up being taken from my account as part of this fraudulent act!
12/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63026	Web
Original creditor was XXXX who attempted to charge us for a months worth of service that was never provided as the service was terminated due to poor service from the company and moved to a new provider. XXXX had sent a final bill over a month after leaving them claiming we owed them for a full months worth of service that was never provided. They then claimed we agreed to be billed for a full month even if cancelled. I asked them to provide me with such a signed agreement and to date XXXX has been unable to provide any proof other than bills issued after that date showing the balance. XXXX then sold the debt to Diversified Consultants who attempted to place this bad debt on our credit report. Both agencies removed it immediately. Then they either reposted it using Diversified Adjustments ( which is likely the same company ) or sold it and was reposted by this new agency. It was again immediately removed from my credit report.
02/07/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	ME 045XX	Web
My husband once owned a small business in the 1980 's that went under. He paid all debts and was able to avoid bankruptcy. His credit is now XXXX and mine always has been. Every once in a while, debt collectors latch onto some old, and long since paid, bill and threaten us, knowing that providing proof is difficult after all these years, long past XXXX. ( 30 years ago! ) A new group has begun to harass us on a daily basis. " Diversified Adjustment Service '' calls every morning and leaves a voice message with their title, their contact phone XXXX, and the reference # XXXX for when we return the call. This has been going on DAILY for the last XXXX three months. They never miss a day. I thought the calls would subside once they realized we were not going to get sucked into this scam. Luckily yesterday I found this Consumer Financial Protection Bureau in our XXXX Newsletter. I hope you will get to the bottom of this. Many thanks.
12/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45211	Web
The original account was with XXXX XXXX XXXX for internet services. I closed the account because I moved in XX/XX/XXXX. I paid all bills ( through auto pay directly out of my account ) and returned the router to the XXXX XXXX location in XXXX. I have never received a bill, notification or any other communication from XXXX XXXX. Furthermore, even if there was a debt the account was in autopay and all outstanding balances should have been paid through that. I now have a negative report on my XXXX Credit report for {$56.00} owed to XXXX XXXX XXXX as a collection/charge off on behalf of XXXX XXXX XXXX. This began reporting in XX/XX/XXXX to XXXX. I have not received ANY communications from XXXX XXXX XXXX or XXXX XXXX XXXX about any debt or that anything will be sent to the credit bureaus. This is absolutely incorrect and I demand that either XXXX XXXX XXXX or XXXX XXXX XXXX correct this negative information immediately.
11/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 453XX	Web
I received a call from Diversified Adjustment Services , Inc that I owed money concerning an old bill with XXXX. I previously paid {$740.00} to XXXX XXXX for the same account. I was advised by Diversified Adjustment Services that XXXX had added additional fees and charges to account after I made the arrangements to pay off the balance with XXXX XXXX I request documentation that show what the additional balance was for. I received XXXX statements both of which has not provided a itemized statement showing how I owe an addition {$230.00}. Diversified Adjustment Services has threatened to report this information to the credit bureaus ruining my changes of obtaining a home or car loan in the future unless this debt is paid. I have spoken to several representatives who can not explain where this additional balance is coming from. I have also sent documentation confirming the balance paid with the prior collections agency.
07/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28504	Web
XXXX will not cancel my service, -first requested by me in person at a designated XXXXXXXX store on XX/XX/XXXX, again on via phone to the company XX/XX/XXXX and again XX/XX/XXXX via chat transcript, XX/XX/XXXX -via phone conversation and in XX/XX/XXXX via email from their legal representation. Requested multiple times in past year to cancel service. XXXX sends my debt to a collection agency using an improper address and improper former last name ( yes, they have been told multiple times to correct it and given proof of the address and name change ). As a result of XXXX not canceling the service, I am being sent to collections for " fees '' after they have informed me of the account being disconnected and the account {$0.00} balanced. Their representatives tell me they will cancel the debt and notify the credit agencies, and then three months later another debt collection appears on my credit report for " Fees ''.
05/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 021XX	Web
On XX/XX/2021 I noticed my credit report was flagged for collections from a collection agency called Diversified Adjustment. I believe they are a collection agency with XXXX being the main company claiming I owe. I had the same issue with this company in XXXX and thought this matter was settled but apparently XXXX passed it on to another collection agency because the account wasn't proven as fraud which it is. I have never had any business, communication, or any form of knowledge of this company/account or how they got my information. I have already disputed this claim twice and keep getting " account remains '' after both disputes which is 100 % incorrect hence why I filing this form today. The information is incorrect and not mine and is destroying my credit score that I have worked hard to increase and this needs to be permanently removed from my credit and listed as fraud because that is exactly what this is.
10/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 546XX	Web
I had a XXXX year contract with XXXX XXXX beginning XX/XX/XXXX. I switched carriers, I ported my numbers to XXXX in XXXX or XX/XX/XXXX. This is well outside my two year obligation. I never signed another contract or extension with XXXX XXXX. I never received any bill from XXXX XXXX after my number was ported. The first that I knew that they had charged me an early cancellation fee was when their collection agency sent me a letter and a bill. XXXX XXXX wo n't speak with me because they say its been turned over to collections. I spoke with diversified, the collection company and they just say " I owe ''. I wrote them and asked for any contract and or bills. They only provided the early termination charges/bill, they did not produce any written contract from XXXX XXXX. I know that I was out of contract and within my right to change carriers. None of the involved parties wants to work to fix the problem. Please help.
05/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I signed up for XXXX service on multiple lines. 3 phones lines, a tablet data line, and a smartwatch line. XXXX never provided service on the tablet line or the smartwatch line. I never received SIM cards. Contacting support would lead to them saying they were sending them and they never did. I cancelled the lines. Later I found out they kept the accounts open and were charging them despite me not receiving service and it not being possible for me to receive service since they never sent me the hardware necessary for that to happen. XXXX put me in to collections with Diversified Adjustment Service. I kept asking both XXXX and the Collection Company for proof I received any service on the lines in question and they both never have. They can not send proof because I literally never received any product or service despite paying for them. Now they are harming my credit to try to get even more money from me.
06/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43616	Web
I had my XXXX service for about XXXX months. I live in the XXXX Ohio area, and I was not aware that the XXXX service could not meet my needs when it comes to cell phone service. I tried multiple times to negotiate with XXXX and they refused to do so. I then had to take my phones to another carrier and they told me that I would have to pay for my devices. I told them I would let the bill go to collections and I would be able to negotiate a price with the collection team. The name of this collection agency is diversified adjustment collection service. I have had a few conversations with them and I have tried to engaged in the settlement process. I first offered them XXXX dollars they said no, I then offered them XXXX dollars they refused. I then offered them XXXX dollars they said no. I have tried in good faith to work with this company and they refuse. I am hoping that I can have this debt removed.
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 612XX	Web
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. If you can expedite this request to look into this matter for me, I would really appreciate it. Thank you in advance.
06/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL XXXXX	Web
Received a letter from the company Diversified Adjustment Service about an old debt on XX/XX/XXXX alleging I owe {$650.00} to their company for an old XXXX bill. I sent to them a validation letter by certified mail on XX/XX/XXXX asking for verification of this said debt account ending in XXXX. On XX/XX/XXXX, I received a copy of a bill, that does not have my signature indicated that was from XX/XX/XXXX. This bill was bought from another collection agency that I have also disputed with that is still currently showing on my credit report. I have been receiving numerous phone calls from this company all hours of the day and night. On XX/XX/XXXX Diversified Adjustment Service reported this to the credit bureau and now it is appearing on my credit report as an added collection from them. They are attempting to collect on a bill that I do not owe them and no proof has been received that I owe them.
01/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 442XX	Web	Servicemember
I filed a complaint with the CFPB on XXXX/XXXX/XXXX against XXXX, the complaint number is XXXX. XXXX closed the matter and stated that the client ( XXXX ) had recalled the debt, and stated that they would have the account removed from the top 3 credit reporting agencies. Today I received a letter from Diversified for the exact same XXXX account. The Diversified account number is XXXX. I will be responding to Diversified via USPS mail to make them aware of this complaint and how XXXX sold them debt that does not belong to me. This complaint is against XXXX and their debt collection practices, which are starting to become harassment. Is this how XXXX handles debt collection, by selling bad debt to third-party agencies? All of the information and documentation can be found in CFPB complaint number XXXX. I have attached the letter that was mailed to me from Diversified for reference.
03/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 47408	Web
On XX/XX/2019, I received a letter ( attached ) from " XXXX XXXX XXXX '' informing me of an alleged account under my name submitted for collections by " XXXX '' for {$460.00}. On XX/XX/2019, I wrote and mailed a letter ( attached ) to " XXXX XXXX XXXX '' requesting verification of the debt in accordance with 15 U.S. Code 1692g. I specifically requested proof of the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. " XXXX XXXX XXXX '' never responded to my dispute letter, and after 30 days in accordance to the law, I assumed this alleged debt to be invalid. Now, today XX/XX/2019, I received a new letter ( attached ) from " Diversified Adjustment Service Inc. '' dated XX/XX/2019, claiming that they are again attempting to collect for the same debt, XXXX for {$460.00}.
02/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ XXXXX	Web
I have been going back & forth with XXXX for almost 2 year now. Since I changed carriers they have been harassing me & going after my credit. They are stating I owe money?? I asking for my signed contract & payment history. They kept telling me they cant. They in turn sent my account to XXXX XXXX XXXX Again I asked for my signed contract & Payment history with several recorded calls & in writing with certified mail. They also went on my credit report & I was able to get the account disputed off as they would not provide it to them neither. Now they sent my account to Diversified Adjustment Services , Inc. now almost a 2 years later after I send them a certified letter requesting my contract & payment history. A contract appears but that is NOT my signature nor initials. I am not saying I didnt sign a contract but I did NOt sign this one. Nor did they sent my payment history.
07/10/2020	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	GA 30519	Web
I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX, XXXX and XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in America. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX would delete a certain account on my file but transunion will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.
01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11510	Web
This is related to another complaint I filed today but I have discovered the name of the collection agency that posted inaccurate and unverified information to my credit report. The information was filed by " Diversified Adjustment Services, Inc '' on behalf of XXXX. This collection agency did not, as I requested, send me any proof that they were the holders of a debt that I owed. They showed no proof of assignment from XXXX to their agency and could not even verify the account information. I disputed the debt but instead of erasing it from my report they included false information such as " 30 days late '' which does not even exist for a collection item. The account was subsequently sold to XXXX, who I called and they deny having filed any info with the credit bureaus. The actions of Diversified/XXXX and/or XXXX have caused my XXXX credit score to plummet over XXXX points.
01/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 207XX	Web	Servicemember
XXXX began sending letters of a debt owed to our home address. It was to a company called both " XXXX XXXX XXXX XXXX '' and XXXX XXXX XXXX XXXX ''. I have contacted XXXX months ago ( we havent had a XXXX account in about 10 years ) and informed them that they do not have the correct address for this debt and they agreed that it was being sent to wrong address. I asked what should we do and was I formed to just keep sending the letters back and they would note in their system but they kept sending the bills to this address anyway and I kept sending the mail back to them. Now addressed to this same companies at our home address we are getting notices for a collection agency from Diversified Adjustment Service Inc.for {$3700.00}. We have contacted them and they agreed to resolve but this is doubtful. I believe this is some sort of scam someone used our address for.
10/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53154	Web
I am disputing the charge that was placed on my credit report by XXXX and Diversified Adjustment for {$2800.00}. I ordered a phone, XXXX, and watch from XXXX but did not receive the devices. I contacted XXXX and they told me to contact the police and file a police report, then they would send me new devices. On XX/XX/18, I contacted the police and filed a report. Then, I contacted XXXX again and informed them that I have filed a police report so they can send me new devices. However, XXXX did not send me any new device, but still charged me for them and placed me on collection for the charge. I have sent a letter of dispute to XXXX, Diversified Adjustment, and the three credit bureaus ( XXXX XXXX, XXXX, XXXX ). XXXX XXXX and XXXX both deleted and removed the disputed charge from their credit reports. However, XXXX did not remove the charge from its credit report.
11/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 935XX	Web	Older American
This has to do with XXXX collection agencies. Diversified, XXXX, and XXXX. They are all telling me that I have not paid debt in full. I do have Bank proof that I have made all of my payments. On XXXX I called Diversified several times to resolve this issue, and all they could do is threaten me with my Credit Report. Every time I tried to explain they again threaten me with Credit Report. I asked for XXXX 's phone number so I could talk with them and they refused to give the number. Told me to google it. I have called XXXX and continualy and they tell me that it has been turned into collections and I have to deal with collection agency. One other thing I was told, was NOT to keep calling them. So I told them the same thing stop calling me all the time. I also asked to speak with a supervisor and was also refused this opportunity to speak with someone in charge.
06/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32259	Web
I received a notice that XXXX sent a balance to collections. I contacted XXXX many times to tell them the balance was wrong and I paid over {$700.00} of what was the correct amount owed. They never would respond or fix the amount. The sent my balance to Diversified Adjustment Services And I got a notice dated XX/XX/23 at a wrong address that I havent lived at for over a year. I responded within the timeline luckily since I got the mail from someone on that old address. I mailed my response XX/XX/23 and letter said to call or write by XX/XX/23. I complied. They now have reported this on my credit report when I responded timely checking off the boxes saying this amount is not correct, send me proof of the debt and the collector, and that this was false. They violated laws and now have destroyed my credit when I complied. I will be filing lawsuits against them.
08/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77478	Web
I have tried to resolve this several times and to no avail they will not comply. I switched my account to XXXX XXXX XXXX and I paid my final bill and XXXX stated that I was still being charged a service plan because of the device being under contract. I showed them where all devices and final bill had been paid. They then replied that I owed {$400.00} and I sent a payment to them and I called the next week because the debt that I did not owe had been sold. I immediately contacted the company that the bill was sold to and sent them all that information. I have requested that they show that I have or ever had any contractual obligations to do business with them and they have yet to provide said information. I am enlisting your support to get said company to comply with the law and remove this from my credit report because they have failed to verify the debt.
02/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
This account was placed on my report on XX/XX/2021 before I was given the opportunity to dispute it or pay it. The company did not send a letter explaining anything until AFTER it was placed on my report. My rights have been violated and my credit profile has suffered because of this. I have attached proof that this account was placed on my report BEFORE I was notified. Also, my request for a signature or proof that I was a tenant at the time the gas was allegedly used, was ignored. My lease wasn't renewed so as of XX/XX/2021, I was no longer a tenant and my services with XXXX XXXX XXXX were non existant. I also included the screen shot of the deletion and illegal reinsertion of this account. I wasn't notified by Diversified Adjustment ServiceXXXX about that either. All of these violations calls for an immediate deletion from all XXXX bureaus.
01/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33127	Web	Servicemember
On XX/XX/XXXX I cancelled an account with XXXX XXXX XXXX because I was highly dissatisfied with their service, I asked for and received the current billing amount owed at the time returned all of the leased equipment and PAID THE ACCOUNT OFF IN FULL! I am providing the receipts and emails, there were several collection agencies that I submitted the files to, XXXX would simply hire another, I finally explained I no longer determined this to be an attempt at debt collection seeing as I submitted proof of payment but it was now in fact harassment, In checking my XXXX credit report I see the erroneous billing included in my credit report! New collection DIVERSIFIED ADJUSTMENTS XXXX XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE DIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX
12/17/2020	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	TX 760XX	Web
Account was closed and phones returned to XXXX on XX/XX/2017. Within two months of closing account, XXXX claimed phones were never returned and account was not closed. The issue was briefly resolved, then within 6 months statements began showing up again. Then the account showed up on my credit report under collections. The collections would get disputed, removed, then show up again on my credit report under a different company. XXXX refuses to assist, stating the store the phones were returned to did not process the phone return and account closure correctly. To make matters more difficult, the store the phones were returned to is no longer open. The representatives at XXXX can not even locate the store in their database anymore. Now the account is showing up multiple times on my credit report with no help in sight in getting it resolved.
02/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02301	Web
Good Evening - I was going through my credit report and noticed a collection from Diversified Adjustment Services, and when i called them they mentioned that it was a {$130.00} bill from XXXX phone. I honestly don't recall ever had a relationship with XXXX and consider it was a small amount I went ahead and paid it off. However, as I was looking through my credit, I see major discrepancies on the way this particular collections account is reporting on my credit report. Also, I have never received any written notification about this debt and I never had any time of relationship with his company. I honestly paid this account under duress and would like it to be truly investigated and removed from my credit file. One credit bureau shows {$0.00} balance and the other shows {$130.00}, and when I call they mentioned {$100.00} ... .So what is it?
06/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 38671	Web	Servicemember
I received notification from diversified adjustment that they were collecting a debt on behalf of XXXX. I contacted XXXX because I transferred services from XXXX to XXXX XXXX XXXX in XX/XX/2021. I paid my balance in full after my transfer was complete. I requested that XXXX provide me with detail billing. I didn't hear from XXXX but was contacted by Diversified Adjustment. The letter from diversified ( attached ) stated that if I write them for validation before XXXX they will stop collection and validate the debt. ; I requested detail proof. I have attached : 1. letter from Diversified 2. Certified Mail Receipt from two request XXXX and XXXX 3. Confirmation of payment to XXXX : XXXX paid XXXX XXXX. Confirmation of payment to XXXX : XXXX paid {$120.00} my last payment I have been with XXXX XXXX XXXX since my transfer in XX/XX/2021 XXXX
07/26/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48103	Web
" Diversified Adjustment Service, Inc. '' has been making repeated, unwanted calls to my personal cell phone for weeks now. They never leave a message. It's clear they are a debt collector, but I have no idea what debt I could possibly owe. I do not believe I owe any to anyone. They certainly have not let me know of any debt they claim I owe them in writing, as I believe they are required to do by law within five days of contacting me. It has been well beyond that ( first call was at least two weeks ago ) and still I have no proof or even a specific claim of any debt, in writing or otherwise, just persistent spam phone calls. I wanted to let them know in a written message myself to either provide proof of a debt or cease contacting me, but they do not seem to make it easy to contact them in writing, so I was forced to go directly to you.
09/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77396	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that DIVERSIFIED ADJUSTMENTS SERVICE would verify the debt. So I took it upon myself to ask DIVERSIFIED ADJUSTMENTS SERVICE for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21009	Web
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
09/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93722	Web
Diversified Adjustments never contacted me prior to placing negative information on my credit report which is a violation of federal law. When I called them to dispute they acted in an unprofessional manner and told me to dispute with credit agencies. I asked for written proof that this debt belongs to me and instead hung on on me. Attempting to illegally collect a debt that is not owed specifically XXXX XXXX XXXX is illegal. My evidence clearly shows they are violating the law and never gave me the right to dispute nor did they have any accurate proof of their claim. This is a violation of FDCPA as well as a violation of FACTACT. I just got this deleted with XXXX XXXX XXXX and in less than 1 week diversified adjustments placed this on my credit report without giving me proof that this debt is mine or giving me a chance to dispute.
10/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85251	Web
XXXX was owed XXXX by XXXX XXXX XXXX as a benefit to me during XXXX. XXXX XXXX of XXXX XXXX paid XXXX XXXX directly. Diversified Adjustment Service , Inc. never alerted me in writing by phone or by email that they were intending to collect a debt. Had they alerted me I could have provided to them proof that the XXXX was indeed paid in full and there is a XXXX balance. Diversified has listed this on my credit report WITHOUT any notice whatsoever to me which has negatively affected my excellent credit standing. I only found out that this item was added to my credit report after applying for a loan and being denied. XXXX provided my credit report and I have disputed the debt as it is indeed paid and should never have been placed on my report I would like the collection removed in its entirety from my credit profile on all bureaus
01/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33034	Web
I am currently. a victim of identity theft my information was stolen in XXXX data breach. I never open. up this account in my name the credit report agencies removed this account, but it appears back on my credit report. I certify that i am permitted by Federal and state law to file this dispute. I also understand that knowing and will misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 USC1001. Additionally these misstatements are punishable as perjury under 18 USC 1621. This Collection found on found within my credit report are not related to any transaction i made. I am alleging that a person or company- without my authorization used my personal information to apply for good services, or money and was successful in creating some accounts all being investigated by the FTC.
10/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
I called Diversified Adjustment to see what the collection was about and they stated I had a XXXX account. I informed them that I have never had a XXXX phone before, let them know was a victim of identity theft and ask them how much was owed. The lady told me she felt like it was my debt and that I needed to pay them {$800.00}. I told her I would not pay that debt due to its not mine, but I would try to settle with them since she would not remove the account off my credit report. I have been going back and forth with them for about 2 years now. The account has no payment history, no balance information, no type of info about it on my credit report but it shows up as a collection. I asked them to verify the account and she could not other than saying XXXX said it was mine. I would like this account to be removed ASAP.
04/04/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 22191	Web
I sent Diversified Adjustments a certified letter asking them to very the debt that owed. The agency sent a photo copy of the two years agreement that was not valid. The term was over and paid in full. Letter was mailed out to the agency asking them to validate the signature and the correct amount. The agency was ask to verify how they are validating the information and give the name and number of who validate the information is correct and valid. They did not response to the certified letter. I keep receiving harassing phone calls from them saying that the debt is valid. Without correct info how can the debt be valid with no account number. XXXX was the company that sold the account to two different collection agency. I sent both copies to the collection agency stating that the debt is not valid. Thank you XXXX XXXX
07/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63368	Web
My grown son, XXXX XXXX, opened an account with XXXX XXXX. He was estranged from us ( I am his dad ) and he passed away of a drug overdose on XX/XX/2023. A representative contacted me a couple of months back asking for XXXX to recover the amount of {$120.00}. I informed the rep of his death and she said not to concern myself with the debt, and that XXXX would cancel the debt. Then we got a letter for collection from Diversified Adjustment Service in XXXX, MN. The representative there said to contact your bureau and to submit his death certificate. It is attached with the letter that Diversified Adjustment Service sent to us. We are not liable for this debt as XXXX was out of our home, homeless and addicted to drugs when he opened an account with XXXX. Please reference the attached documents for further action.
03/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80239	Web
Diversified Adjustment Service Inc is collection agency reporting an account on my XXXX and XXXX credit reports. On XX/XX/2020, I sent them a certified letter requesting they validate the debt by providing written proof of the debt and their right to collect it via postal mail or immediately delete the debt from my credit reports. They received my certified letter on XX/XX/2020. On XX/XX/2020, I received an email from their representative that did NOT include the requested validation information, thus failing to validate the debt. I insisted she immediately delete the debt from my credit reports. As of today, Diversified Adjustment Service is still reporting the debt. Because of this, they are in violation of the FDCPA and illegally reporting un-validated, negative information on my credit reports.
06/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92407	Web
On XX/XX/XXXX I mailed a certified letter to Diversified Adjustment Services. This letter was delivered and signed for on XX/XX/XXXX. In the letter, I was disputing validity of this alleged debt and requested copies of signed contracts. Diversified Adjustment services DID NOT notify the credit bureaus of my dispute within 30 days ( ***You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. ).
08/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 14207	Web
I requested written notification of my husband 's debt and they refused to send it to me. They stated they had already sent it out and they could n't send me another letter showing the information regarding the account. i.e. balance owed, original creditor, date account was opened ect .... I am really confused as to why they can not provide me with documentation regarding this debt. The rep that i spoke to kept saying they sent it via mail and that I should have it. I then stated to her to check her notes because I just changed the information on file earlier that day. She said " Oh ok '' but still refused to send me any info and claims it was requested, but I still have not received anything. They refused to provide documentation and also stated they could n't send it until the bill was paid off.
02/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77346	Web
I have been disputing this collection account on my reports with Diversified Adjustment Services for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
11/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32792	Web	Servicemember
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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. I demand the following accounts be verified or removed immediately.
07/05/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60123	Web
I was contacted by a rude individual from the agency on XX/XX/2018 at XXXX. When I verified my name and that the address she was providing was incorrect, she then blurts out the last four of my SSN. This is a violation of my personal information as if you search my name, I am not the only XXXX XXXX to exist so why are you giving out the last four of my SSN??? Then After I tell her I am disputing the debt because this is for equipment that was returned. She then tells me that It is for the installments which I tell her That's incorrect. Her response is " Well if I am wrong, why are you in collections? '' I responded to her telling her not to call me ever again and ended the call. Then on XX/XX/2018, I received an additional call from this agency after specifically stating to not call me again.
06/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 875XX	Web
I moved from XXXX to XXXX NM and had paid all my final bills shortly after moving in XXXX. I had all my mail forwarded to my new residence. I had not received any more bills from the XXXX XXXXXXXX XXXX XXXX XXXX after moving. In fact, I called them to make sure the account was disconnected and everything was paid up. I was assured by the company everything was good. On XX/XX/2023, I received a bill from XXXX for {$34.00}, stating they were going to send my bill to collections. I was surprised to see this, but quickly sent a check on XX/XX/2023. I checked my bank statement dated XX/XX/2023 and saw they cashed the check. On XX/XX/2023, I received a letter from Diversified Adjustment Service, Inc a debt collector, claiming I had not paid the debt. This kind of incompetence is infuriating.
05/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
THIS IS A FOLLOW UP TO COMPLAINT # XXXX, I CONTACTED DIVERSIFIED ADJUSTMENT SERVICES INC TO SEE IF THEY WOULD DELETE THE COLLECTION ACCOUNT ONCE IT WAS PAID IN FULL AND THEY TOLD ME XXXX THE ORIGINAL CREDITOR WOULD NOT ALLOW THEM TO DELETE SUCH ACCOUNTS THEY CAN ONLY MARK IT PAID IN FULL. I WAS THEN ADVISED TO CALL XXXX TO SEE IF THEY CAN SEND AN EMAIL OR LETTER TO DIVERSIFIED ADJUSTMENTS PERMITTING THEM TO DELETE SAID COLLECTION ACCOUNT ONCE IT WAS PAID. XXXX STATED TO ME IT IS THE WILL OF DIVERSIFIED ADJUSTMENT SERVICES TO DELETE SUCH ACCOUNTS. I NEED TO KNOW IF I CAN HAVE THIS COLLECTION ACCOUNT DELETED FROM MY CREDIT REPORT UPON PAYMENT IN FULL. THIS IS THE LAST FORM OF DOCUMENTATION I NEED TO PROVIDE MY MORTGAGE BROKER TO MOVE FORWARD WITH SECURING MY HOME LOAN PLEASE ADVISE ACCORDINGLY
02/02/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93722	Web
I received an email on XX/XX/2022 from XXXX stating I owed a debt to sprint. I responded back right away asking for details of the debt as what they provided did not have the details of what was being asked and was not getting an email response back. then I started receiving calls and I again asked for details of what was owed as I did not recognize what was being asked to pay. i was referred back to the email and told the debt collector there was not details in the email and I needed details in order to pay. I called over and over and kept getting put to a recorded line and no one called me back. then my account was put in collections and it has caused negative issues to me. my credit score has dropped and I am getting rejected for loans and credit line increases. I need this resolved asap
10/01/2020	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	CA 90064	Web
Diversified ADJ SVC Balance {$830.00} This is a bill that popped from an old address years later. I received no proper correspondence on this until it popped up as a collection. I have paid the amount in full and my confirmation number is XXXX XXXX Please have this removed from my report ASAP. XXXX XXXX XXXX Balance {$300.00} Balance {$120.00} * Balance {$470.00} This is an account that incorrectly was reported on my credit report multiple times. I have paid the balance in full and company has agreed to remove all instances of this account from my credit report since it was something that was not brought to my attention up front. Please remove these items from my credit report, this will negatively impact me moving forward and the I believe that I handled this situation honorably.
06/25/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	ID 83651	Web
Called cell phone XXXX. When asked who they were or who they were with would not respond only asking who i was. Called from number with unknown name. After hanging up called my work they were asked again who they were and would not respond. Asked not to call back. They called back asking to speak with owner of the company. Again they were notified that they were herassing and to not call back. They called again from different number on cell phone again not specifing who the were. Upon returning the numbers on the caller identification, both numbers came from Diversified Adjustment Services. Women calling was very pushy and not understanding that she was calling a place of business and if she did understand did not care. The phone numbers that had came through at the time were XXXX and XXXX
11/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NJ 07047	Web
When this collection agency first contacted me ( XX/XX/XXXX ) about an alleged {$180.00} debt from XXXX, I immediately sent a debt validation request ( XX/XX/XXXX ), requesting bills, contract, etc. They did NOT send me any of the requested information, but they did stop calling and writing me for exactly 1-year. Now, EXACTLY ONE-YEAR later to the day ( XX/XX/XXXX ), they mailed me another letter, and are calling me again ( XXXX times a day ). This is without providing any of the validation requested in XX/XX/XXXX. What is more disturbing is that they changed their name from XXXX XXXX to Diversified Adjustment Service and changed my account number, presumably to wrongly renew collection efforts, which they would not typically be able to do, having not responded to my validation request.
05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 712XX	Web
This company, Diversified Adjustments, states I owe $ XXXX, which I only found out recently when I saw my credit report. Apparently they've had this account, according to them, for 3 yrs, 8 months. I have never received calls or letters from them that I owe this. I tried to dispute this on my credit report but was unsuccessful. Upon calling Diversified Adjustment today, their primary objective was to get $ out of me instead of explain anything. I tried to explain that XXXX was paid off 100 % when I switched to XXXX XXXX XXXX and was interrupted. I can not work with them at all so I'm writing to you. I was told that instead of $ XXXX, they would settle for {$43.00} and take the negative entry off my credit report, which I know is not true. They do not take negative entries off reports.
10/11/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CA 92057	Web
Diversified Adjustment has been reporting an alleged debt on my consumer reports illegally. I have never done business with them, so I don't know how they ever received consent to my personal information. This is identity fraud. I have never legally given written consent/permissible purpose to furnish this alleged debt on my reports. Diversified is a 3rd party debt collector attempting to collect an alleged debt. Diversified has not provided any validation or verification legally required showing ownership of this debt. This includes the original contract with my wet signature. Their negative and illegal reporting is tarnishing my credit worthiness and hindering me from acquiring affordable living and transportation to provide for my family. This is causing undue hardship to all of us!
06/18/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	XXXXX	Web
Hello, my name is XXXX XXXX and I have a problem with XXXX because, on XX/XX/XXXX I had a trip back to my country XXXX for XXXX matters. The same day I called the XXXX company to terminate my phone service from the number XXXX XXXX XXXX XXXX, so the agent gave me the confirmation and removed the automatic payment from the account since according to his instructions I should not make another payment. On XX/XX/XXXX I return to the United States and I find myself with the surprise of a {$XXXX USD charge from XXXX, which I was unaware of since I never received any billing or collection mail from my account. Given this I need the company to release the Total Amount of debt now because they did not do the work to close my line when I requested it. Translated with XXXX ( free version )
02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11358	Web
In 2014, I ordered XXXX Internet service from XXXX. I had it a few months but never bought the computer I was supposed to. I called them and explained. They billed me for the equipment of {$350.00}. They agreed to send me a prepaid mailing box, return the equipment and then send me a letter of satisfaction. They never did. I disputed this on my credit report and won ( XXXX ). I now have a collection agency asking for the money. I do n't know what else to do? Account Number XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was on the phone with them for appx. 45 minutes. They kept switching me to person to person and nobody could help me. After 45 mins on the phone and a XXXX, I decided to write them. Can you please help me? I can send proof of my credit report that is was won. Thank you.
03/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90501	Web	Servicemember
I have had the previous report ( XXXX ) with CFPB on XX/XX/2020 from a debt collector agency named XXXX, they claimed that I owe XXXX $ XXXX dollars which is not true. I have multiple phone recordings while speaking with XXXX and they have confirmed is their mistake. since the report XXXX has ceased collection with their office. I now started to received another Debt collector agency name Diversified adjustment service sending me letter saying that I still owe XXXX {$400.00}. like i stated on my first report my XXXX service was canceled under 30 days customer stratification warranty! I am very tired getting harassed by one debt collector after another, I will be filing my case with court after this report being done, these fraudulent action should not be tolerated in the US.
04/21/2023	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	IA 500XX	Web
Diversified Adjustment Original Creditor XXXX XXXX XXXX Alleged date opened XX/XX/XXXX Original balance {$1100.00} Payment {$1100.00} Paid on XX/XX/XXXX Closing balance {$0.00} Upon contacting Diversified Adjustment and requesting a settlement payment I was told that they would only accept a full payment. I was PROMISED a " courtesy delete '' with my full payment and was told the deletion of the account on my credit reports would take 30-60 days to update. The timeline passed and I contacted Diversified Adjustment and they said to give it more time to update. The account never updated and they never completed the " courtesy delete '' as promised. I have been disputing this account since around XXXX or XXXX of XXXX. There is also missing historical information in the report.
05/14/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28540	Web
On XX/XX/2022 I contacted the three major credit bureaus I had a few accounts under my name along with some debt that did not belong to me however XXXX agreed to take the debt off of my credit report on XXXX XXXX AND ON XX/XX/2022 I received a letter in the mail from XXXX letting me know that I owed XXXX to them I contacted the company and told them that I dont owe any dead is that my identity has been stolen twice within a two year frame The company claims that they sent it to a secondary company and now they are harassing me about it then the representative proceeded to tell me that I should file a police report and submit a complaint on XXXX they gave it to a company named diversified adjustment service Inc . The company before was XXXX XXXX XXXX they deleted it
12/28/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CA 91913	Web	Servicemember
Im XXXX I signed up for XXXX services. I never received the SIM cards or any equipment. I contacted XXXX and informed them that I never received the SIM card. XXXX XXXX did an investigation which shows I never utilized the services due to me never receiving the SIM cards. XXXX XXXX reimbursed me my activation fees due to I did not use the service or no cards were used. I am Being billed for services never provided and send to collections I have Been calling XXXX for 2 months and they first told me they would correct this by sending up a ticket to I have to deal with the collection agencies. They are staying the account was closed but how can an account be closed for no payment when I never received to product to utilize the service. What are they charging me for.
09/20/2023	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	MA 011XX	Web
I have been disputing a debt collector through XXXX and is always coming Verify witch they never send me no documentation how it comes verify. I have never had a contract with this debt collector.I paid this debt in full because they mentioned they would remove the collection from my credit report witch i didnt know around that time more knowledge to request verification the representative said if I paid this full amount it will gets removed in 30 days. After that, I never got the debt collector removed from my credit report. I believe they used me to get the money. I have the right to dispute this debt collection. As I dont have no contract with them. Please remove this unverified account unless you can furnish a signed contract. Please remove it immediately.
11/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 296XX	Web	Servicemember
I received a letter from Diversified Adjustments a few months ago stating that they took over a debt that I had and to notify them within 30 days for either validation or to make payment arrangements. I immediately took action upon receipt of their letter, and sent them a debt validation letter via certified mail for them to provide more information about this alleged debt. I have receipts showing that my letter was signed for and received by this company. It has been well over 30 days with no response received back from them so I assumed they couldnt verify. However, today, I received an alert on XXXX that they have now flagged my account for collections when they have not provided me any proof for this. I believe this is a total violation of the FDCPA.
11/02/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80918	Web	Servicemember
XX/XX/18 Mailed a copy and sent a copy of sprint correspondence stating the account is clear and no money is owed. Called XXXX and the person who was looking into my account is no longer there. I sent a letter to diversified adjustment services stating what XXXX is saying, telling them to stop contacting me. A few weeks go by and I hear nothing. Now today XXXX they have called 6 times every minute so far. This is harassment and I will be hiring a lawyer today to deal with them on my behalf if it does not stop. I am disgusted by their tactics and blatant disregard for the law. I am now as of XXXX XXXX on XXXX up to 109 calls in the past 40 minutes. Now at XXXX I am up to 142 calls. Attached is calls documented as well as XXXX saying the debt is not owed.
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 930XX	Web
To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed being OPEN, but also having a past due. BALANCE of {$3500.00} This is a violation of the FCRA and is in violation of requisite XXXX XXXX reporting standards. According to the Fair credit reporting act. I have a right to completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please Immediately remove this account from my credit report and send me an updated report with all XXXX XXXX reporting standards and this account removed upon completion. Sincerely, XXXX XXXX XXXX
07/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07052	Web
on XXXX XXXX 2017 i send a certified letter to DIVERSIFIED ADJUSTMENT whi ch was received to them on XXXX XXXX , 2017 to validate the account that they put on my credit report. i week later i received a big itemized package with amount that i owed and a signature that supposed to be mine .under the fair credit act law FDCPA sectio n 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) the creditor has 30 days to provide me with a contract bearing my signature and also contacting the credit bureaus to add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you h ave disputed the negative item on XXXX XXXX , 2017 i pulled my credit report way over the 30 days required and they did n't add it to my report and should be removed
06/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32246	Web	Servicemember
XXXX XXXX is charging me {$2200.00} for services that I did not use. I moved from the apartment in XX/XX/2020 due to military orders. I turned off all my services including electric and cable. XXXX never turned off the services and was still charging me from XX/XX/2020 until XX/XX/2020. I tried to dispute it with the company and they company they sold the debt to. I showed them my military orders and the lease that I signed with the end date of when I left the apartment. Im being violated according to the SCRA. I should not be penalized because of military orders. Under the dispute they said they disagree with the dates. They also sent me the printed bills of them charging me which doesnt align with the time I was no longer living in the apartment.
08/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23234	Web
XXXX sent my debt to collections. I paid my bill and returned my phones on time. The Collection is for a leased phone with a buyout out fee if I didnt turn in my phones. I called and verified via customer service that the cellphones were returned and received, and I should not have been charged. I Attached the confirmation and package info of the return of the phones. XXXX phones were returned but I was still charged {$150.00} per phone and prorated cell bill. XXXX sent me debt to XXXX XXXX collections after I confirmed via customer service I owed no balances. I had the collections removed and XXXX has sent a new collection onto my credit under debt collector XXXX XXXX XXXX. This is the second time they hindered my credit for a debt I do not owe.
11/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 194XX	Web
This is the 2nd time a collection agency has attempted to collect debt from me for a phone service that isn't mine. I have never been a XXXX customer. The first time was XX/XX/XXXX with XXXX XXXX and now Diversified ADJ SVC is claiming to collect money. The amount is for {$2200.00}. I didn't even get any mail or emails from this collection agency stating I owe anything, it just showed up on my credit report one day. It was opened on XX/XX/XXXX but I didn't get a notification until early Nov with XXXX XXXX I tried disputing it with XXXX credit report dispute on XX/XX/XXXX and they said I needed further investigation. The original Creditor name is XXXX XXXX listed on my credit report. How do I resolve this so it does not happen again?
08/29/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 78731	Web
The company keeps calling me after I've told them on several occasion the debt was paid, and equipment was sent back. The debt collection agency is Diversified and the debtor was XXXX. They are probably the worse wireless provider in the business. They perform Deceptive Business Practices, False advertising, horrible customer service, can never speak with anyone in the U.S. They say they are giving phones as gifts for promotions and it turns out to be a lie. There are horrible. I've tried to explain this to the collection agency Diversified but they are aggressive and they don't listen to reason, so it causes people to become irate, due to their unprofessional methods. I plan to file a criminal complaint. They call 4 to 7 times a day.
11/16/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OR 97236	Web	Servicemember
I received a phone call on XX/XX/2018 from Diversified adjustment services regarding a sprint bill from XXXX.When I told the woman over the phone that I couldn't pay it she interrupted me started cussing in a threatening manner I then hung up. She has since been calling my phone several times a day, sometimes more than once in an hour through out the day. This has been going on at least 3 times a day since and at one point she called me FIVE times in one day. This is not professional and is starting to be harassing and threatening. I called this company on XX/XX/XXXX to make a complaint and was cut off and told I needed to settle my debt before they would transfer me to the supervisor. I have my phone records if needed to prove it
12/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37743	Web
I have been monitoring my credit report every week and just yesterday a company called Diversified Adjustment just out of the blue added a collection on my account which is not mine. Further I disputes it through the credit bureau and Diversified just reported that it was accurate, even though I have never heard of this company, never have received a phone call or a letter from this company. This company has violated the Debt Collection Rule by circumventing the system and just in secret added to my credit report. I want this debt removed from my credit report and this company sanctioned for their illegal practices of just adding negative information to people 's credit reports without them being aware there is even an issue.
02/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	GA 30064	Web
Diversified Adjustment Services Inc. attempted to call and collect a charged-off debt from XXXX. I requested that they cease from calling me as this debt has been disputed with previous collection agencies and XXXX failed to respond to those disputes request. I asked the representative from Diversified Adjustment to remove my number from the calling list and to not call me again. He then became very rude and said that they were going to get there money. They then stated that the bill was not going to go away even though I disputed this with XXXX and they did not respond. I made a second request for the collection agency not to call me and he then stated that a verbal request to not call me was not good enough. I then hung up.
11/01/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92203	Web
XXXX XXXX placed over {$700.00} into collections with Diversified Adjustment Service stating that I owed them money for wireless services. After speaking with the collection agency they indicated an address ( XXXX XXXX XXXX, CA ) that was used to establish services. I have NEVER lived at that address and it appears I have been a victim of identity theft. As a result the collection item has been placed on my credit for ALL three major credit bureaus. XXXX XXXX has refused to remove this item from my credit and has reported FALSE information. They have violated the FCRA/FDCA by sending this item into collections. Diversified Adjustment Service has continued to report this account on my credit and has violated the FCRA/FDCPA.
06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ME 042XX	Web
Hello, contacted company to verify debt and never received anything. Called diversified adjustment service and they couldnt help and would not give me any information about anything, this is not mine and I believe this company is not doing everything legal, they call me all hours of the day and call my work even though I sent a cease and desist letter. also never received anything about this debt or that I could ask to verify within 30 days they are also very threatening over the phone... How can they not help me in anyway and verify my debt or give me any information at all. Please help and thanks also I never signed any contract with these people. please look into this company they are doing all kinds of illegal things.
01/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	KY 40475	Web	Older American
On XXXX XXXX, 2016 I was contacted by a person claiming to be from a collection agency ( not named ). I did not get the name of the woman on the phone. She claimed she was calling about a past due debt, but did not provide any information about to whom I owed the debt. Instead, she started asking personal questions which I refused to answer, since I did not initiate the call and she did not provide any information to allow me to trust her. I hung up. The only information I have is her phone number and the city from which she called. The phone number from my recent 's list is ( XXXX ) XXXX. The city is XXXX, Minnesota. This seemed to be a phishing call. The questions she was asking were all information any vendor would know.
11/09/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 935XX	Web
XXXX XXXX is stating the amount is {$110.00} not {$160.00} so this company is scamming me and attempting to collect the wrong amount. XXXX also gave me the number to diverse adjustment and is attempting to cover the entire bill due to the modem being returned and no other payment should be owed. I spoke with XXXX from XXXX on XX/XX/. Because the modem was recieved on XXXX XXXX XXXX it will take a month for the bill to reflex and remove the balance on the account so XXXX was attempting to credit the full bill so that I may re-open the account. The collections agency refuses to speak with XXXX and refuses to adjust the bill. They are forcing me to pay them money even though the client is attempting to remove the bill!!!!
11/20/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WA 983XX	Web
I have received phone calls from Diversified Adjustment Services on numerous occasions, each time I have told them that they need to take my phone number off of their list and to never call it again. Once I start to make the said request the representative immediately disconnects the call. I have tried to call and talk to a manager regarding the issue, and all I get is a voicemail and no callback. I have tried to contact the corporate office, and once again all that happens is they transfer me to the exact same voicemail box. This company is not only in clear violation of the FDCPA, but they are also violating the national do not call registry. On top of that, they are using an autodialer system to call a cell phone.
05/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77075	Web
The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX , XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If DIVERSIFIED ADJUSTMENT SERVICE does not have any documentation other than a bill that th ey printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
11/10/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web
I switched carriers and even returned the devices XXXX was supposed to send me a credit card to settle wth XXXX but I received nothing ..I called them several times and every time they would say it was on the way it was stressful to keep calling and hearing the same excuses I just gave up..i don't owe them a penny in fact they owe me because now XXXX has sent tht payment into collections too..I 'm so stressed out and frustrated I cant get a solution to either problem its messing up my credit score and my XXXX XXXX too..I 'm unemployed and this is the last issue I need in my life..these carries make promises and make it sound so easy but it is not..I 'm very disappointed in them..please please help me sort this problem
03/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33525	Web
On XX/XX/2023, DIVERSIFIED ADJUSTMENT attempted to collect money by XXXX XXXXon my credit. They are citing that it is a XXXX collection. XXXX has confirmed that they are not affiliated with this company and have not initiated this. They have no knowledge of any of this. I do not have any XXXX services at all. I have services with XXXX and have for years. Please stop attempting to collect money erroneously and remove this from my XXXX credit report. This is not the company 's first attempt despite being told this is not my account. They have provided nothing from XXXX. And XXXX has confirmed there is nothing to provide to me because I do not have an account. In retaliation they posted to my credit account again today.
11/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
I sent numerous emails with no response also talked to representative, telling me i need to fill out forms to get a credit they want me to prove where i live and send them proof, for at least the past XXXX yrs. they knew where to send billings in XXXX also the summer home was put on vacation mode every winter for XXXX yrs.also when I originally requested service I need to supply them with all types of personal proof plus SS. # I sold the property this past summer and returned their Equipt.They want me to supply them with infro. that they have already, their putting the burden on the customer to prove their nonsence I am not proficient on computers either, my summer home was in XXXX. my main residence is in XXXX.
02/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30052	Web
I had account with XXXX 3 year ago with 3 numbers after leaving the company my account was $ XXXXbalance. XXXX also never sent confirmation that my account was {$0.00} balance after asking months after & years after years all till this day..Nothing! Recently I at looked credit report & saw there was an account of {$430.00} from DIVERSIFIED ADJ SVC from XXXX. I called & asked I was told that was a balance own from the last # on my account ending with XXXX moved but the new own could take care of the balance also on top of that they never told him that nor me XXXX just sent me straight to collection. Now my credit is being damage so badly now I can't get a good car insurance or purchase a new car for work.
10/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 99216	Web	Older American
Diversified Adjustment Account # XXXX. original XXXX Opened XX/XX/2022 Amount Dept {$310.00} The Diversified Adjustment collection agency try to collect the same amount of {$310.00} opened XX/XX/2022 I did not open any account with XXXX on XX/XX/2022 This XXXX Account was disputed as a fraud on Report XXXX by XXXX. XXXX XXXX on XXXX, 2022 the amount of {$310.00} I files a Complaint amount the XXXX. XXXX XXXX and XXXX on XX/XX/2022 here are the Numbers : Complain # ID XXXX on XX/XX/2022 Second Complain # ID XXXX on XX/XX/2022 The manners of this XXXX Account are Fraud my information is inaccurate I did not opened any account with XXXX ion 2022 I did not have any mobile phone with XXXX Phone company...
12/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28546	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 109XX	Web
There is account on my report from XXXX for {$3100.00} I tried calling XXXX and was unable to resolve the issue. I had closed the account back in 2018 - all devices were returned back. The amount being collected from XXXX is not correct. I want this account removed from my credit report. This credit company has never intended to contact me or send me any mail about this. this just showed up on my report. I tried calling this office : DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Very unprofessional could not provide me any information. This is a scam I want this off my report Or I will be contacting other agencies and the business bureau and other official offices.
10/24/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
On XX/XX/2023 i received a notification from a credit reporting agency that my credit was affected by XXXX points due to derogatory claim listed to my reportXXXX XXXX sold my information regarding account # XXXX to a third party company by the name of XXXX XXXX XXXX. .I never gave XXXX XXXX any permission to sale my information take my privacy very seriously this has affected my credit and reputation XXXX i am quite petrified to say the least they are putting my life in jeopardy i do not know these people they sold my information to. i feel my safety is in jeopardy i demand them to delete all information they have on me immediately and cease all forms of communication including through all CRAs
08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75093	Web	Servicemember
During the height of the pandemic in XX/XX/2020, I was evicted in Arizona, this in violation of the rent and utility moratorium. The utility moratorium was in full effect, despite this, during XX/XX/2020 Arizona Public Service turned over for collection utilities owed ( despite them being in a place of moratorium ) to Diversified Adjustment Service, a debt collection company. This company is incorrectly purporting that I owe a debt. However, XXXX never tried to reconcile this debt directly with me. Also, the utility was placed in moratorium at the time. Therefore they violated the order in place by the Governor. This needs to be removed from credit reporting agency and returned to XXXX.
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60107	Web
I received an notification of a debt collection on my credit report. I contacted tmobile to dispute it. The debt collection is from DIVERSIFIED ADJUSTMENT INC out of Minnesota. XXXX billing services explained to me that the info is incorrect and that I do not owe them anything. XXXX asked me to call the collection agency and asked them to call tmobile billing asap so they could explain to the collection agency that I do not owe anything and have them remove it from my credit report. I spoke with 3 reps at the collection agency DIVERSIFIED Adjustment inc and each time the rep would not do what I asked and then transferred my call to an extension that was not available and the call ended.
08/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48223	Web
Diversified Adjustment Service, INC illegally obtained my personal information and now they are stating that I owe a debt in the amount of $ XXXXDiversified Adjustment Service, INC did receive written notification to validate this debt that they are accusing me of owing.Pursuant to Fair Debt Collection Practices Act,15 USC 1692g Diversified Adjustment Service, INC must comply with validation request. Diversified Adjustment Service, INC are also reporting invalidated information that I have requested them to validate.Diversified Adjustment Service, INC are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g and gave me a " verification '' instead of validation.
03/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85208	Web
Original XXXX electric bill. I was moving and canceled my service, it was in XXXX and was laid off due to Covid impacts XXXX advised the are running a promo for people laid off due to Covid. You could pay one you got a job. XXXX XXXX. For {$590.00}. I thought that was nice in XX/XX/2021 I get a letter from a collection agency Diversified saying my account was sold to them and due now. Sure enough they slapped this on my credit report. Ive paid it right away. But I think this is bad business, and wheres the integrity makes it hard to trust. I spend a lot of time and energy on cleaning up my credit and they did this to me. XXXX needs to stand behind their word. Thank you XXXX XXXX
01/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 207XX	Web
IAW 15 U.S. Code 1681s2 XXXX Responsibilities of furnishers of information to consumer reporting agencies, a debt collector can not... ( 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. XXXX XXXX, a debt collection company did not provide proof that the debt collection was in fact accurate and belonged to me. The debt collector provided me with a billing statement only. I ask the debt collector to provide proof of a signed contract with my signature and that was not provided.
04/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 933XX	Web
I received an email from XXXX ( my credit monitoring services ) on XX/XX/2020 about a new account that was added to my ; XXXX & XXXX XXXX reports from " Diversified Adjust Services '', which I was told by XXXX from ( Diversified ) on XX/XX/20, that they are a third party collection company for " XXXX ''. This is a fraudulent account on my credit report. I am a victim of identity theft, I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services from " Diversified '' or " XXXX '' and I am requesting that this account be REMOVED from my credit report. Your failure to REMOVE this account has hurt my ability to obtain credit.
08/17/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92103	Web
Diversified Adjustment is trying to collect on a PAID debt. Please see CFPB Complaint XXXX against XXXX and XXXX XXXX XXXX for the {$430.00} debt. On XX/XX/18 the XXXX responds and states, On XX/XX/2018, XXXX XXXX claim that the debt was paid prior to assignment for collection was confirmed with the original creditor This collection was already disputed, won, and removed from my reports. I contacted Diversified and let them know that they have bought an erroneous collection and that this matter was already disputed and won. They never responded to that, or my request to verify the debt. They have now knowingly violated my consumer rights. This needs to be deleted immediately.
03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
Multiple calls from a company that wouldn't share their name, then eventually said they are Diversified Adjustment Service and say I owe approx {$130.00} to XXXX XXXX XXXX. They were ready to take a credit card immediately to process the payment. I said I wasn't comfortable doing this and asked if they had a website. She said they did, but as I walked from the car to the office, the call was dropped. I immediately called XXXX XXXX XXXX, they said they never turned in unpaid debt to collections and in fact my accounts are in great standing, many of them with credits on them. The most recent number I received from these " phishers '' as XXXX XXXX XXXX called them was XXXX.
01/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MN 554XX	Web	Servicemember
I been receiving phone calls of harassment, abusive and obscene language and threats of XXXX and XXXX repeatedly from Diversified ADJ Service Call Center Debt Collection Representatives for a debt collection account thats fraudulent, not my account and is the result of identity theft. The following account is fraudulent, not my account and is the result of identity theft : Diversified ADJ Service, XXXX XXXX, XX/XX/2020, {$2400.00}. I am in fear of my life right from the constant threats of XXXX and XXXX I been receiving from representatives from Diversified ADJ Service. Diversified ADJ Service is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).
11/27/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IA 50310	Web
I've asked them to please stop calling my work. They know it's my work and they keep calling. I've told them I will get a lawyer involved they obviously didn't care because they keep calling me here at work. They've called at least 4 times or more at least once a day. The last phone call which was this morning @ XXXX XXXX on XX/XX/XXXX18 I told them I'm going to call the local authorities and the lady told me that's fine. I have them on a recorded line each time they have called and have notified my employer of this as I feel they are harassing me. This needs to stop. The other times they have called me are : XX/XX/18 @ XXXX XXXX XX/XX/18 @ XXXX XXXX XX/XX/18 @ XXXX XXXX
02/08/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78665	Web
Diversified Adjustments located on XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX, is trying to collect a wrongful debt for XXXX XXXX. I transitioned my business lines from XXXX to XXXX XXXX XXXX during a promotion in which XXXX XXXX XXXX will pay {$160.00} per line for transferring the service to them. It was required by XXXX XXXX XXXX a detailed breakdown of the remaining balance per line with XXXX. I did submitted my request for the information to XXXX on several occasions but they never complied denying my consumers rights. As a result the debt was left pending and now they are using several Collectors to collect a debt that was created purposely by their non compliance.
01/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
Hello my name is XXXX XXXX and two weeks ago I got a notice from a collection agency saying i owe XXXX money for a bill for XX/XX/2021. The issue is I was not on XXXX service or network. My contract was over with them in XX/XX/2021 and the lease was formally paid off in that same month ( I still have the receipt that says " Lease termination with purchase " and that the Leasing charge for end of Lease ). I also have another receipt with the last payment for XXXX. I also called to follow up with XXXX around that same time and one of the store reps even said I owe the company nothing. Just today on XXXX I tried calling the debt service twice and didn't get a response.
06/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19604	Web
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!
10/17/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 22201	Web	Servicemember
I am not working. I was working at XXXXXXXX XXXX XXXX as a XXXX XXXX XXXX. Working the XXXX but I was laid off and relieved of duty related to demands made by supervision. The access number for XXXXXXXX XXXX XXXX XX/XX/XXXX was the last day I was working. The integrity line connected me to a representative. My access credentials for the case file is XXXX pin access code XXXX these numbers will give you access website XXXX The creditors that the money is owned too is diversified adjustment service Inc XXXX XXXX XXXX reference number is XXXX the amount owed is {$610.00} and {$100.00} it's for XXXX XXXX account number XXXX the date reference is XXXX XXXX XXXX XXXX
05/02/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	WI 53218	Web
Called on XXXX to resolve a debt and I was connect with XXXX. XXXX was very aggressive, rude and disrespectful. I tried to ask a question about a settlement and she kept interrupting me and would not let me finish the question. I asked her not to be rude by interrupting me and she advised that she was trying to answer my question. I responded how would you know my question if I wasnt allow to finish it. She continue to talk over me and tried to end the call. I asked to speak with a supervisor. She transfer me to a voicemail. I called back 2x and got XXXX and she transferred me to a voicemail. I have not received a call back and would like to file a complaint.
04/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84115	Web
Diversified Adjustment Service, Inc sent electronic notification of a debt that I sent a debt validation request requesting information on the alleged debt including a request of the original contract with my signature. I also informed them to cease and desist contacting my numbers. They have continued to contact me via email and by phone calls. I have again requested the representative to cease and desist contacting me and she hung up on me without verifying the cease and desist would be confirmed. Additionally they have failed to send 100 % verifiable and 100 % accurate information of any contracts with my signatures on it to confirm that the debt is valid.
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 604XX	Web
On XX/XX/2023 DIVERSIFIED ADJ SVC added a derogatory mark on my credit report ( XXXX, XXXX & XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract 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, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
03/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37211	Web
The original debt was disputed with the XXXX. Three phones were returned and only one had a contract amount remaining. XXXX changed the terms of my monthly contract and did put the discount date on my bill until the last month of that contract. Their customer relationships person XXXX XXXX Took responsibility for that error on XXXX part. This amount should not be XXXX and XXXX needs to provide documentation that they did not provide proper notice of the monthly discount termination or provide proper council during service start time. This debt is not due. XXXX is responsible for the balance. XXXX then continued to bill after the XXXX settlement was made.
01/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98499	Web
Rcently, I had an account from Diversified ADJ Services removed from my credit report, after multiple disputes, due to fraudulence and Diversified ADJ Services ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, Diversified ADJ SVC placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, Diversified ADJ Services continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act.
11/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 553XX	Web
A XXXX XXXX tradeline appeared on my credit report for an account that was opened by my previous employer years ago for business use, and I am not responsible for the outstanding balance. This debt belongs to XXXX XXXX XXXX and should be removed from my credit report. I received a request from Diversified Adjustment Service on the same debt which I requested no further contact but still received in the mail an itemized statement that I did not request. XXXX and another collection agency has already rightfully ceased collection on this debt and Diversified Adjustment Service should do the same immediately. Please cease & desist immediately.
08/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35401	Web
I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
09/25/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 94928	Web
Im member of XXXX because I have a problem with previous preaching happened with XXXX XXXX, XXXX, and XXXX. On those three Im one of them. On XX/XX/XXXX. 2020 collection agency name diversified adjustments appeared negative item on my credit file Without Out Notified me or give the right to dispute latter. in three credit bureaus and my score went down by 50points. I contacted to the agency I stated that they violated my right to dispute, after that called to the agency my calls went to voice mail and they go the name by quality insurance. Since I didnt get any latter or call from them, I feel they violated my right to dispute .Thanks
03/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33135	Web
This account was opened by some fraudsters and I went into XXXX Stores in order to return the phones since I was able to intercept them at my home. I have called their offices as well and have tried to return the phone via mail and footing the bill of the mailing in order to clear all the situation. I was played by some time and did not get the appropriate response from the company since I was placing all my goodwill in order to solve this issue. I did not order this phones and it was the result of an Identity Theft. I was sent to collections wrongfully and know when trying to buy a home I found that this item is dinging my credit.
05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70706	Web
Diversified Adjustments has a debt from XXXX in the amount of {$580.00}. They ( diversified adjustments and XXXX ) are saying they have no knowledge of the tracking information of the return box they sent me when returning my phone. I closed out my XXXX account because I was switching to XXXX. XXXX sent me a return box with a return label ( THEIR TRACKING INFORMATION ). I dropped the phone off at the facility as told to be returned. That location was busy so I just dropped the phone off. WHY CANT XXXX LOCATE THE PHONE THEY ARE THE ONES WHO PROVIDED THE TRACKING AND RETURN INFORMATION! This shouldn't even be on my credit report.
03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	GA 30064	Web
Diversified Adjustment Services was sent an email directing them to cease all contact and collections due to a dispute that was sent regarding this account from the previous collection agency hired by XXXX. The cease contact request was sent on XX/XX/2017. Diversified has stopped calling me and has now begun sending me emails regarding this collection account. I called them again on Tuesday XX/XX/2017 to request that they do not call me or contact me anymore but they told me that they are a debt collection agency and can contact me any way possible. I have attempted to block the emails but they still continue to get through.
07/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30305	Web
Diversified Adjustment Service IncXXXX Reported a collection effort on my credit report without ever ( ie never ) contacting me about a fraudulent debt that has been disputed multiple times. The company seems to practice unprofessional and incompetent business practices and not even verifying the validity of a debt, but moves to threatening and harming steps. Companies like Diversified Adjustment Service Inc should be shut down for unfair and improper business practices as they create massive work and damages for consumers. The so-called debt is from a fraudulent activity that the original debtor XXXX has not cleaned up.
08/06/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32828	Web
I have asked Diversified Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
02/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 39503	Web
On XX/XX/21, I received a notification from my credit monitoring service of a new collection. They name of the collection/debtor is Diversified Adjustment Service. I have never received any written notification from this company. I have no idea who they are or what this debt is about. I know nothing and was never given an opportunity to contact the agency themselves or to dispute it. This is against the law. I have USPS informed delivery and looked back in emails and never has there been a letter from this company addressed to me or anyone at my address. To this day, I have no idea what this debt is in reference to.
02/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28273	Web
Received a call around XX/XX/XXXX/XX/XX/2019 stating Diversified Adjustment Service, Inc was a 3rd party debt collection company attempting to collect {$5000.00} on behalf of XXXX. I advised them that I have never had an account with XXXX. They wanted to me to confirm confidential information, which I refused to do and we hung up. I called XXXX directly to see if XXXX had record of money owed in my name and was told they had no record. I dismissed this as a " scam call '' and thought no more about it. However, upon apply for a debt consolidation loan, was informed that this amount was showing in my credit report.
12/26/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77498	Web
Since all effort to resolve the issue on this account has not been responded to I hereby request for the details and the information of the person in your company to send the law suit to resolve this issue in court. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I request you to provide me the address of the person to send the law suit to be in court in my county. At this time, the court has to determine whether you're in violations or not. Please provide me the name and address of who to send the court paper work to. Thank you. XXXX XXXX
11/25/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33181	Web
I noticed a collection on my credit report and called the company listed to see what it was in reference to. It was for a XXXX account of which I never created. At the time I had a XXXX account which was in good standing and never opened the account that they now have in collections. I spoke with an agent and she saw that the account was opened in another state to another address that is not affiliated with me. I went on transition to dispute it and they have not removed it stating the information was verified. It can not be verified because the address on the account is not and has never been affiliated to me.
03/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33032	Web
I have sent validations letter about this debt to the company itself asking more information regarding the debt and no validation letter has come back at all. Since no validation letter came back I dispute it with the credit bureaus yet the credit bureaus are stating that the debt is valid. I sent back to the credit bureau a message asking how was their determination hat the debt was mine made and nothing came back validated either since neither the company nor credit bureaus can validate this debt I would like this debt to be remove from my credit bureaus and that my credit report be updated without it.
01/18/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA XXXXX	Web
I recently checked my credit reports XXXX, XXXX, and XXXX and noticed a collection account from Diversified Adjustment Service , Inc # XXXX that's demaging my credit reputation. I have no knowledge of Agreements for these accounts It is illegal for them to continue to collect these debts. I'm not saying it's fraud or identify theft I'm not saying it's not fraud or identify theft. I have no information or knowledge about these debts soI would like themy to send these debts back to the original creditor. I don't even know if what they saying I owe is even correct. I don't know anything about these debts.
04/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60426	Web
Diversified Adjustment company has already been contacted concerning a debt they were trying to collect on. I was able to prove that the debt was not valid. They stopped all attempts to collect and they removed the debt from credit reports. Now today I got a notification from XXXX XXXX stating that a collection from Diversified Adjustment was just added to my credit file. I want them to remove this collection account ASAP because it was already proven invalid. This collection agency is in violation of my rights as a consumer and I will take legal action if this matter isn't taken care of immediately.
10/25/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NM 875XX	Web	Servicemember
This company has called more than a few times to a phone number that is recycled. I have told them time and again that my number needs to be removed. Even their compliance person lied stating that they had never called me, trying to call me a lair. Each time they have called for the same person and I have told them there is no one at the number with the name. This time, I asked that the number be marked as bad in the case file, however, the compliance person told me that she could n't make any changes and that there was no one at the company that could and that my number would continue with the file.
06/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KS 670XX	Web
After the XXXX and XXXX merge XXXX I was sent to collections for an outstanding debt of {$300.00} for phones I had already paid for and switched to another carrier. I called XXXX XXXX XXXX XX/XX/2023, and they confirmed that I had paid the XXXX months of fees on the phones before I switched services. When I contacted XXXX customer support they forwarded me to the debt collections agency. It seems that because of this merge they changed the rules about how phones are paid off. I can no longer get access to my XXXX account to document that the phones were paid off or get a copy of my contract.
11/17/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	FL 33328	Web
As you can see from the attached documents, this account has been paid and as requested and state by the company should be deleted from my credit report on all 3 reporting agencies. As you can also see, it has not been deleted and additionally will be reporting until XX/XX/2028! This is exorbitant and malicious abuse that will continue to hurt my credit and my ability to achieve my inalienable rights. Why the additional punish of 4 years? Plus, I recently came back to XXXX as a customer! They were most unhelpful. Please have them remove this negative reporting. Regards, XXXX XXXX XXXX XXXX
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62040	Web
On XX/XX/2020 Div Adj Serv 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. Debtor 's credit 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, Div Adj Serv has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
04/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32824	Web
I get 5-7 calls a day and they start anywhere from XXXX to XXXX all the way to last call being a little after or before XXXX. This is getting out of hand and I ca n't take it anymore. The harrasment is insane. They have said everything to me. That I need to pay " or else ''. I need to pay because " I need to understand what it is ''. I do not know who hires these people but they are so rude and keep threatnening me verbally. Now, they are calling with a BLOCKED NUMBER! So I do not know who it is that is calling me. Getting completely out of hand so I am reaching to know what to do.
06/10/2017	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 60643	Web
Between XXXX XXXX , 2017 and XXXX XXXX a collection was added to my account with no written notice that this account would be added. Per law 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 busine ss days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
06/09/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA XXXXX	Web
As a consumer Ive gave this corporation no permission to put this false information on my so-called credit report or have I given this corporation permission to share my so-called information with third parties. On XXXX I had noticed that XXXX XXXX XXXX company had put some false information on my so-called credit report and shared this information with third parties by the name DIVERSIFIED ADJ SVC. This is unlawful under 15 USC and 15 USC1692i As being a consumer I am want this fraudulent information taking off of my so-called credit report and I am also seeking monetary relief.
09/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85297	Web
On XX/XX/21 I have contacted the collection agencies and credit bureaus ( XXXX XXXX XXXX ) via mail and online disputes regarding ( 2 ) collections thats not mine reporting on my credit report. They failed to provide proof and claimed the debt was validated. Legally, 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. Im requesting this information be REMOVED from my credit reports. Collection agencies as follows : 1. XXXX XXXX XXXX {$400.00} 2. Diversified Adjustment {$1500.00}
11/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43206	Web
To Whom it may concern, THIS IS THE SECOND COMPANY TRYING TO COLLECT ON A FRAUDULENT ACCOUNT i WILL BE ATTACHING THE FTC REPORT AND POLICE REPORT. THIS IS THE LAST TIME I WILL ADDRESS THIS ISSUE. IF DIVERSIFIED ADJUSTMENT SERVICES ATTEMPTS TO SELL, TRANSFER, OR OUT SOURCE THIS ACC # XXXX BAL {$4400.00} I WILL FILE A LAW SUIT AND SUE THEM. PLEASE DELETE THIS ACCOUNT AND REMOVE IT FROM YOUR DATABASE. XXXX WAS JUST TRYING TO COLLECT ON THIS ACCOUNT AND WAS ALSO INFORMED THAT IT IS A FRAUDULENT ACCOUNT WHY IT WAS TRANSFERRED TO DIVERSIFIED ADJUSTMENT SERVICES IS MINDBOGGLINGLY.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28212	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
01/22/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 14150	Web
called to pay my heat bill and was demanded balance in full, after i asked for a payment arrangement i was told that each payment fee was {$11.00} so i asked to mail in payments even offered to send 3 postdated checks for duration of payment arrangement and i was told that if i sent in payments via check that they would report negatively on my credit, like whats the difference? i called back 3 times and one rep was more rude than the last. i asked for a supervisor three time and was transferred to the same voicemail. i am so upset that i want to pay my bill and cant
09/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 61265	Web
I was set up on a payment plan of {$25.00} biweekly by Diversified Adjustment Services until my debt was paid in full in the amount of {$380.00}. The debt was in collection and was reported again for the second time. Causing my credit score to drop 25 points. I disputed it several times with no change. I have bank statements to show all payments made until paid in full. And a receipt for the final payment. It was supposed to be removed from my credit report once the debt was paid in full. It still hasnt been removed nor has the correct payment history been updated.
03/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 062XX	Web	Older American, Servicemember
Diversified Adjustment services called me and threatened to ruin my credit and have me deported if I did not pay a utility company for a debt I either don't know or that is the product of identity theft. Diversified Adjustment Services Inc said that although I was born overseas in XXXX XXXX as US Citizen because my father was in service, and as a result if I lost paperwork and didn't pay the bill that they would report me to someone at XXXX for immediate deportation ( lived in country for over 40 years as US citizen ). The phone number that called me was XXXX
10/18/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55123	Web
A collection agency called Diversified Adjustment Service , Inc. has been calling and leaving voicemails indicating that they are a collection agency. These are neither XXXX nor XXXX based voicemails. The 3rd party collection representative states outright that they are a debt collector. There is no pause to allow me to stop the voicemail, no mini-miranda and nothing to try to verify they are calling the correct consumer. I have been a debt collector for over a decade and I know that these multiple voicemails, of which I have saved two of, violate the FDCPA.
09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91354	Web
Never received a phone call from XXXX. Never received a bill. This is due to they were sending it to an address that is not mine. the account was opened with an address of XXXX, CA XXXX. I have NEVER lived here. I have a police report # XXXX. I have sent in a notarized fraudulent letter to the original creditor. The collect Diversified Adjustment services, is still reporting this as a collection on my XXXX account. the fraudulent address is till being reported as mine. recently received a letter from a new collection agency requesting paying for same bill.
02/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02169	Web
I am writing to delete the following information in my file. The items I need delete are listed in the report. I am a victim of identity theft and did not make the charge. XXXX XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$6500.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$300.00} Account name : Diversified Adjustme When the account was opened : XXXX XXXX ACCOUNT BALANCE : {$980.00} Account name : XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$1000.00}
02/01/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MN XXXXX	Web
This company Diversified Adjustment Service ( XXXX ) contacted my XXXX year old parents in another state to get information on me. Meanwhile I already paid the debt to XXXX XXXX XXXX. When I asked the debt collector how they got my XXXX year old sick mothers cell phone, who regularly takes my XXXX year old father to XXXX for XXXX XXXX, they said " It was contact information from XXXX '' This is a total lie. I dont even know my mothers cell phone number. Why would I ever add it as a contact number. This has caused her a great deal of stress an worry.
09/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	OH 444XX	Web	Servicemember
I received a call from a representative with Diversified Adjustment Service regarding a debt with XXXX. I was informed that there is a {$12.00} processing fee per payment, and if I had wanted to make multiple payments to settle the account I would have to pay the fee each time. I asked the rep if this could be waived and was told it could n't. I said I would start setting money aside and asked if I could be called back in 6-8 weeks, I was told " Good luck with that, You have one week '' and then the rep hung up. I felt this was threatening and rude.
06/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MN 55117	Web
i requested that the collection company delete the account and all reporting on my credit report. since i paid the collection in full. i called several times to resolve but, company stated it is company policy not to delete from credit report. they stated to call each credit bureau to get deleted. after contacting the bureaus they stated that only the collection company can delete from credit report. i again called collection company to request a delete. i was transferred to a supervisor/manager voicemail. i left a message but, no one contacted me.
01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 329XX	Web
Per 15 USC 1681 ( FCRA ), as a Federally protected consumer I have the right to privacy and accurate reporting to my credit profile. I am not liable for a debt with XXXX, nor do I have a contract with DIVERSIFIED ADJ SVC. Upon request I was denied an original contract from DIVERSIFIED ADJ SVC which they failed to provide. I contacted XXXX XXXX and XXXX concerning the matter to verify the accuracy of this reporting which all failed to provide me with sufficient information pertaining to the validity of the inaccurate reporting to my credit profile.
12/28/2023	Yes	Debt or credit management Debt settlement	Confusing or missing disclosures	NY 11801	Web
I paid the amount in full and the balance on my credit report still have the balance showing up as unpaid. They flagged my account in collections even after making the payment in full because of that my credit score decreased. I am attaching all the documents and I requested them to report accurate information to the credit bureaus and they failed to do so couple of times. Flagging my account which was paid in full as collections doesn't make any sense and its against the FCRA law. I am willing to sue them if they don't delete it from my file.
04/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19131	Web	Older American
I have received numerous phone calls from a debt collector nam e Diversified Adjustment ev ery day in reference to a debt they say I owe to XXXX . They want my checking accounts numbers or debit account numbers over the phone in order to satisfy this debt I said to have information written to me so I can send this payment owed with a checking account. Again I do not kno w Diversified Adj ustments and the constantly call. I tried to send a email but the email server said they do not exist. The number they use is XXXX ( XXXX ) XXXX .
08/01/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23235	Web
I received a bill over 2 years ago from XXXX regarding a phone bill for service that was transferred to another carrier following my leaving employment with the company. I escalated the issue to a vp regarding the charges, they agreed that they were invalid and agreed to resolve. A family member contacted me today saying they had received an email from this company with a confidential matter. Why was it sent to a family member and not me? They exposed my mailing address and did not verify the account when I called in regarding this breach.
01/30/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 49505	Web
On XX/XX/2023, I sent a validation demand letter to Diversified Adjustment Services requesting a full validation of debt on an alleged debt that they claim that I owed. I received no response. Imagine my surprised, when I viewed my credit files, and this fraudulent debt is now listed on my credit files, after they refused to verify the debt, and chose to ignore my legal request for the demand. This has dropped my credit scores over XXXX points, and has caused me a lot of grief and harm for a debt that is not mine, and that I do not owe.
07/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA XXXXX	Web
Diversified Adjustment Service, INC which is a collection company violated my consumer rights pursuant to the FDCPA on XX/XX/2021 which they're attempting to collect in the amount of {$1500.00}. I sent them an affidavit of truth along with an invoice which amounted in the total of {$14000.00} to collect remedy for their violations. They sent me a letter compiled with multiple violations under the FDCPA which included : 1. 15 USC 1692f 2. 15 USC 1692c ( a ) 3. 15 USC 1692b ( 5 ) 4. 15 USC 1692d 5. 15 USC 1692e 6. 15 USC 1692b ( 2 )
07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33406	Web
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
08/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 00693	Web
Original Creditor : XXXX XXXX XXXX : {$240.00} I've lived in P.R all my life, never in the U.S. Since XX/XX/2017 I have received collection notifications from different creditors of the U.S. I already reported to the P.R. Police Department, at XXXX, XXXX, I even sent documents and called XXXXXXXX. They delete the account and within a couple of months another account appears in another U.S. state. I am a FEMA employee and this continues to put my job at risk, because of the background they make me. I NEED TO RESOLVE THIS
07/03/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 78537	Web
I keep getting calls from diversified adjustment service because of XXXXXXXX XXXX that i still haven't paid dept as to {$52.00} and its telling me that i can pay it online from my account from securus technologies but that's the thing i don't have money and my ex knows i don't have money and i didn't even know that i had to pay for every single call or that i even knew that i had a account. I just want it to go away i can't really pay for it and i don't know what to do. I just want the calls and the letters to stop.
11/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 31906	Web	Servicemember
I'm was not aware of this debt by this collection company and did not have the opportunity to dispute. In addition, this is a re-inserted, which is against the law per the Fair Credit Act. Please provide the assignment of debt, method of verification, validation of debt and copy of certified mail with receipt, showing I knew of this debt. In addition, XXXX XXXX XXXX # XXXX had this account and it was DELETED. Then popped back on my credit report with DIVERSIFIED ADJUSTMENT # XXXX This account was re-inserted!
06/01/2020	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	OH 43130	Web
Pulled my report from XXXX and paid off items in collections. Most have been settled and deleted. Paid XXXX XXXX debt with phone number provided on XXXX fico 8 credit report. Came out of my bank as a payment to diversified collections ( collection company ) asked for pay to delete when paid on the phone and it was agreed upon. Paid on XX/XX/2020, XXXX will not report as paid and continues to affect credit report despite payment and verbal agreement on monitored phone call. Dispute twice with XXXX with no change.
07/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 61201	Web
On XX/XX/2021, the attached debt verification letter was sent to " Diversified Adjustment '' as I had noticed a collection account reporting on my consumer credit report 2 days before. USPS records indicate this dispute was delivered to the debt collector on XX/XX/2021. To date ( XX/XX/2021 ), no further correspondence has been received from the collector as required by the FDCPA. The reporting of this account has prevented me from obtaining a mortgage on my home as indicated in the adverse action letter attached.
05/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84115	Web
DIV ADJ SERV has reported a disputed debt that I made aware to them was involved in a fraud and identity theft in a pending police report case and they went ahead reported to the credit bureaus anyways. They have violated my right under the fraud victim bill of rights. They have violated the FDCPA by reporting a disputed debt involved in a identity theft and fraud police case. Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX Detective XXXX XXXX XXXX XXXX XXXX Police
09/05/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33463	Web
The debt collection company, Diversified, ( XXXX XXXX is the latest person ), repeatedly calls. Their # is XXXX. I have spoken to them at least 10 times. I have indicated that I owe NOTHING and have asked them to stop calling. My position is that I am willing to defend myself in a court of law, therefore I have told them to sue me or take me to court. They simply reply that they will call again at a later date. I have told them that they are harassing me and some just laugh. The calls do n't stop. Please help.
07/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI XXXXX	Web
I keep getting calls from a Diversified Debt Collection Agency. XXXX. I do not owe money to know one. All my bills are paid up and on time. I am on payment plan for my last bit of medical from my surgery. I want them to stop calling. I have never gotten any paperwork in the mail. I have perfect credit and have to because of my job. It better not be effected. If it has been someone is getting there XXXX kicked. I am sick of this. I want proof I owe no money and a letter stating my credit has not been effected.
09/17/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60649	Web
Diversified Adjustments is a collection company that is steady harrowing me about a fraudulent account opened using my stolen identity the account was openedXX/XX/2023 in the amount of {$810.00} this is not my account I did not apply for any service or sign any contract with said company but they continue to send alerts to my the credit Bureaus impacting my credit score negatively and illegally on top of harrowing me calling me after I contacted them and reported the fraud..I also have police report as well
07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 752XX	Web
I had two collections account that was added to my credit report. These two account has already been resolved. The account includes XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX with the amount of {$910.00} and {$610.00} respectively. I also have two account credit card enquiry by XXXX XXXX in which on two occasions they were both approved without my consent in the space of 6 months, one happened in XX/XX/XXXX and XX/XX/XXXX There is also XXXX XXXX XXXX on XX/XX/XXXX which I had no idea of the accounts.
04/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MN 55448	Web	Servicemember
I am receiving threatening and harassing telephone calls and death threats from representatives from Diversified Adjustment Service , Inc., for a debt of {$260.00}. The account is an unauthorized and fraudulent account. I have never applied for an account with XXXX XXXX. I am a victim of identity theft. Someone stole my identity and used my personal information to apply and open an account with XXXX XXXX. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX
10/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78717	Web
Diversified has filed an illegal collection and have not properly verified. I have asked for the proper verification, including copies of my contract that I signed and copies of the contract signed with the original creditor. This company has failed to properly verify which is illegal according to The FCRA Statutes. This collection was deleted from XXXX XXXX XXXX and needs to be deleted from XXXX immediately. According to TX finance code, the company has to disclose how they came up with dispute results.
06/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60613	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
01/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48185	Web
I am filing this complaint because DIVERSIFIED ADJUSTMENT have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37217	Web
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. Also, stated in the HIPPA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. delete it from my report immediately.
07/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 539XX	Web	Servicemember
I lived in XXXX XXXX, Iowa in XXXX. I incurred debt to XXXX XXXX XXXX during my time there. Diversified Adjustments is a debt collector agency which claims my debt is from 2019! This is clearly in error and against the law to show on my report. XXXX does not show this mark account at all. I will even concede that I still owe even though I know I paid this. I must have lost the receipt. Please honor logic and change the account open date to sometime close to when I lived in XXXX XXXX XXXX.
12/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90242	Web
XX/XX/2018 I obtained XXXX as my mobile service provider however soon after I initiated service I was unhappy with there network and service that I canceled, switched providers, and mailed back equipment in envenlopes supplied by XXXX. I was then contacted by collection companies trying to collect on a debt. I do not owe XXXX, I returned equipment and they have charged off balance and collection agencies keep trying to collect. In turn, bring my score down and resulting in many financial issues
06/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75013	Web
Diverified Adjustment Services was sent written corespondence via certified mail of a dispute of alleged debt. Diversified responded to the request for verification with computer generated falsified documents that contained fake signatures and typed signatures that were created by the debt buyer. ( see Exhibits ) I have requested verification as per FDCPA and Diverified has refusedto do so.This is a direct violation of FDCPA, which requires verification in the parameters requested by consumer.
08/06/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94539	Web	Older American, Servicemember
The same person has been calling my phone every weekday morning for the past month or so and leaving a recorded voicemail message. They say they are Diversified Adjustment Services and I am to return the call by calling them at their number XXXX XXXX XXXX XXXX and give my reference number XXXX. I have no debts, never had debts and no collection agency should be looking for me. This must be a scam. Theirincessant calling is a bother. My number has been on the Do Not Call List for a long time.
11/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 275XX	Web
This debt came from XXXX, I had a contract for 18 months with 4 phones. I completed the 18 month contract in XX/XX/XXXX turned in all 4 phones through mail as asked by XXXX. Followed instructions from package they sent with label attached to send all equipment back to XXXX. All bills were paid in full and equipment returned, after XX/XX/XXXX I received a bill saying I owed over XXXX dollars for equipment. I refused to pay. I returned all equipment in the prepaid labeled package XXXX provided.
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30223	Web
Good afternoon Ive reached out to each bureau directly to inform them of Mis information on my credit report. I have requested the original contracts fr the debt collector but they are refusing to follow the guidelines of the fcra accounts XXXX, XXXX, XXXX, XXXX these accounts are not mines and belong tho another consumer I have been affected by the XXXX XXXX breach, I have reached out several times and feel Im being ignored can you please help these inaccuracies are affecting my livelihood
04/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
After reviewing my credit reports I noticed an alleged debt on my reports. I have contacted this company along with the credit bureaus to get the issue resolved and both parties have failed to cooperate with me. I have asked the companies to provide me with proof that this alleged debt belongs to me and they have failed to do so and just keep updating the account on my reports. I have made 3 attempts on resolving this issue with the company and bureaus on XX/XX/2022, XX/XX/2022, XX/XX/2022
05/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 152XX	Web
This dept was a charge off in a bankruptcy in 2016. I contacted the company and talked to a person by the name of XXXX and she stated that this was included in my bankruptcy but refused to have it removed. Also, the address that she had was not mine. She was very rude refused to forward me to a supervisor and then hung up the phone. So with this information, I contacted XXXX and they advised me that they do not have any information of me having an outstanding account with there companies.
06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75232	Web
I've attempted to contact Diversified Adjustment Service to provide with a written and signed contract between myself and Diversified Adjustment Service regarding repayment, all to no avail. I sent letters to this company XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. The only response I've received are statements with my name on them. They refuse to provide the written and signed contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms.
04/16/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 14220	Web
I keep getting phone calls from a woman claiming to be from Diversified Adjustment XXXX. When I ask what this is in regard to she asks for personal information, Name, address etc. I ask again what this is about and she hangs up on me. They call me every day, several times a day. They never leave any messages. I am contacted every day from several similar, but different phone numbers. XXXX XXXX XXXX Also, currently collectors arent even supposed to be calling in nys due to the pandemic.
03/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
This debt appeared on my credit report this month and I never received any notification about debt plus this debt was previously deleted off my report from XXXX under another debt collector XXXX ( XXXX XXXX XXXX ) .This company must have sold the debt and it was acquired by DIVERSIFIED ADJUSTMENT XXXX XXXX XXXX XXXX 2018 {$660.00} .The last company didn't have proof that this debt belonged to me and so it was deleted off my report and by law it shouldn't have reappeared on my report
01/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 373XX	Web
Calling repeatedly from different numbers & when calling back the recording does not identify who the company is or what their purpose is. The debt they are trying to collect is more than I owed the company XXXX XXXX XXXX XXXX. I waited until the contract ended and paid the last bill, but XXXX had been giving me charges that were not comparable to other customers. They would not reason with me when charges were not owed. I feel that I paid XXXX more than what was provided as a service.
06/19/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07106	Web	Servicemember
XX/XX/2020 XXXX reported Diversified Adjustment Service as a closed account # XXXX on my credit report owing {$1400.00}. I never received a notice from this company. XX/XX/2020 I called Diversified Adjustment Services and spoke with Account Rep XXXX XXXX and he informed me the account exist. I asked why I never received any in writing in reference to this account from your company and he responded because this account was in bankruptcy. I informed him I am not in bankruptcy.
11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
07/15/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75115	Web
I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.
12/11/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23606	Web
I keep getting phone calls at least 4 times in the last 40 minutes on XX/XX/2018 from a debt I owe of {$220.00} owed to XXXX XXXX and they asked me to verify my address and I said I wouldn't tell my address untill they tell me what are they calling me around XXXX.and XXXX XXXX They keep changing their phone numbers and the phone number I just gave is the last phone number that called me tonight. I am just getting sick of them calling me around this XXXX XXXX to XXXX XXXX
11/15/2023	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DC 20019	Web
Div Adj Serv is a collection agency that is trying to collect a debt to which they are not the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX XXXX XXXX XXXX. Please remove this collection item from all three reporting credit bureaus XXXX XXXX XXXX XXXX as this is in violation and misuse of my credit report.
07/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10704	Web
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt 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, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19143	Web
i asked DIVERSIFIED ADJ SVC to I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with XXXX accounting principals ) ; Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act.
07/08/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 064XX	Web
O n XX/XX/XXXX , I filed a complaint with the FTC against XXXX . This issue was supposed to have been resolved. XXXX sent me a device return packet and all devices were returned in XX/XX/XXXX . On XX/XX/XXXX , I received a collection notice from Diversified Adjustment Service on XXXX XXXX behalf for {$1200.00}. I canceled the plan with XXXX in XX/XX/XXXX and returned the devices so nothing further is owed. FTC Complaint ref # XXXX .
11/16/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CO 81301	Web
Diversified Adjustment Services calls me at least 3 times daily. They call from spoofed fake phone numbers originating from the XXXX XXXX area, even though theyre based in Minnesota and I live in Colorado. I usually answer, and theres silence on the line about 75 % of the time. When someone is on the other line, I immediately tell them to cease attempts to contact me by phone. They refuse to stop calling me every time, in violation of state law in Colorado.
06/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33610	Web
I have checked all three of the credit reporting agencies and Diversified Adjustment has sent and alleged Debit to the agencies in the amount of {$590.00}. I did not receive any documentation advising me of the alleged debit. I also have a pending case regarding XXXX that I have filed with the CFPB that is still being reviewed. According to the CFPB my rights have been violated because I was not provided with a electronic of mailed validation letter.
05/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34748	Web
I have been with XXXX XXXX XXXX for 2 years now. I get alerts from XXXX XXXX about everything, because I am trying to buy a home. I fight very hard to maintain a great score & do not understand why XXXX is claiming I owe {$800.00}. The debt is not my debt & I find their actions, along with Diversified ADU SVC unlawful. I ask that a contract is presented, so that they realize the error & remedy this accusation to all credit companies. Gratitude!
02/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75069	Web	Servicemember
I have disputed collections for XXXX cell phone bill a number of times it was taken off my credit report and then put back on. My husband now ex was the one that applied for the phone and then added his line to it as well. I was never aware he used my information to get the phone. What information they have is just a typed up lease which I have found blank ones online so its kind shady. This account does not belong to me it belongs to my ex husband
07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33029	Web
My husband and I sent a letter with a check for settlement over a week ago via certified mail and when we made contact with them today XX/XX/ they are using deceitful tactics such as that they returned the check back stating that XXXX ( when they are a 3rd party debt collector ) wasnt accepting that amount last week but now they are this week, but wont provide proof of our check being sent back the debt collector is Diversified adjustment services
11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78660	Web
I would like for the DIVERSIFIED ADJUSTMENT to show proof of verification that I owe them {$300.00} with ACCOUNT # XXXX. As of date, you have not provided me with a XXXX 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.
10/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30214	Web
XX/XX/18 they sent me a copied bill of XXXX XXXX claiming that I owe them this debt, has no proof this is mines also put it on my credit with out proof also. I once fought this debt before and got it removed because also didn't have any proof. the collector was sold this debt and now trying to come after me for the same debt. Ive asked for proof but never got proof from this collector yet to date. they only sent copies of a bill saying its mines.
10/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MD 206XX	Web
Diversified Adjustment Service , Inc. is attempting to collect on a debt that I owe with XXXX XXXX. I mailed a letter directly to XXXX XXXX on XXXX/XXXX/2016 asking if I can settle the debt and have the trade line removed from my credit report. Diversified Adjustment Service, Inc mailed a letter asking for a 50 percent settlement. I want to know if I settle the debt could XXXX and the Collection Agency remove the trade line from my credit report.
05/02/2018	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 Was not notified of investigation status or results	TX 76542	Web	Servicemember
After looking over my credit report I noticed there was an account on my report that I have never seen before. It is a collections account that was put on my credit report without proper notice from the CRA or the collections agency. If I'm not mistaken by law I am supposed to receive a notice before an account is put on my credit report. I demand that the account be verified with a contract and written signature or removed from my credit file.
04/28/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 770XX	Web
This company has called several times and I have informed them I do not have a debt owed to them. I've never done business with this company and advised them to remove my number and not call back. The representative said she will not remove the number and disconnected the call. I informed them they have the wrong number and I do not want any further calls. They have continued to call and harass me after several calls of me asking them to stop.
06/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95376	Web	Servicemember
This company appeared out of nowhere. I did not receive any mail or calls from them or XXXX. And this is from 2016. They have various violations on my credit report. From symbols on their letterhead to stating open account. I have enclosed these violations so you can see for yourself. I am stressed out about this stuff because they should know better. If I never would have checked my credit report, I would not have known these violations.
11/12/2018	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	CA 93307	Web
XXXX has been non-compliant with removing the unverified account DIVERSIFIED ADJUSTMENTS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED ADJUSTMENTS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40216	Web
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
11/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95662	Web
I am writing in regard a debt that was claimed I owe. I received a notice that Diversified Adjustment Service, incXXXX debt collector is collecting a debt that was owed to XXXX XXXX XXXX XXXX XXXX claiming I owed {$250.00} as of XX/XX/XXXX. I contacted this company in XXXX about cancelling this service since I am no longer living at this residence. The new tenant move in XX/XX/XXXX. Please advise on how to refute/eliminate this charge.
11/23/2018	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	PA 19111	Web
XXXX has been non-compliant with removing the unverified account DIVERSIFIED ADJUSTMENTS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED ADJUSTMENTS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
01/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63385	Web
I sent a letter via certified mail to Diversified Adjustment Services in response stating I owed a debt. I asked for validation of the said debt, explanation of the debt via. I never received a response from the company. I sent a second letter via certified mail and still did not receive anything. Diversified Adjustment Services has now put a collections note on my credit even though I still don't have any validation of the debt.
07/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I have sent correspondence to Diversified Adjustment Service regarding an supposed account with XXXX and they did not send the documentation I've requested. I asked the company to send me an EXCLUSIVE, Written and SIGNED contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms. They did not send me this documentation after several attempts. I sent correspondence onXX/XX/2019 and XX/XX/2019.
01/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43230	Web
There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. DIVERSIFIED ADJUSTMENT ( XXXX ) Accnt # : XXXX Opened : XX/XX/2022 Balance : {$99.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33030	Web
I have no knowledge of this XXXX credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections removed
01/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75035	Web
Diversified ADJ has wrongfully inserted derogatory information into my credit profile. Derogatory data includes a collection amount of {$890.00}. I have requested a copy of the original contract to be provided to me with my signature. To assist in verifying the claimed debt. The above-mentioned company has failed to provide requested information and continues to report inaccurate information into my credit profile.
05/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27407	Web
XX/XX/XXXX, XXXX sent a package to my XXXX NC home, and it was immediately returned. I never purchased anything from XXXX, nor did I ever attempt to open any account with XXXX. I am a XXXX, so when I came home for break, I seen that I had a collection letter from XXXX dated XX/XX/XXXX, stating that I owe {$810.00} for an unauthorized account. I honestly do not know what is going on and why I am receiving this notice.
05/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92627	Web
I was notified on XX/XX/XXXX that an account was added with collections for a debt of XXXX by XXXX and sent to Diversified ADJ SVC to Collection Department with a Account Number XXXX. That account or debt does not belong to me. I have been a victim of fraud or identity theft, I already have an alert in the credit companies for fraud alert since XX/XX/XXXX. I need you to please verify all that fraudulent information.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21122	Web
XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have no knowledge of this account
08/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM XXXXX	Web
Diversified Adjustment Service , Inc . XXXX XXXX XXXX XXXX MN XXXX Received notice that my " account '' with XXXX XXXX is in arrears in the amount of {$210.00}. Reference # XXXX Person named on the notice, XXXX. XXXX, has been deceased for 25 years. The account number on the notice is not an XXXX account number. I checked my bank records, and called XXXX to make sure my account is, and has been, current.
05/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30032	Web
XXXX turned account over to collection with providing final accounting. I have contacted collection agency who provided a summarized bill that reflects balance due on each device with out credit for returned devices. I have subsequently verified with XXXX devices were received on XX/XX/2020, however no credits have been replied to reflect the return of device, therefore the wrong balance due is being provided.
10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43207	Web
This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You 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. After further investigation, the account is not mines and is reporting inaccurately. DIVERSIFIED ADJ SVC XXXX XXXX
06/23/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 454XX	Web
On XXXX XXXX, 2017 at about XXXX EDT, I received a call at my ( listed ) phone number from this company asking for someone else. The caller told me the company name, which is revealed by a cursory internet search to be a debt collector. So, this debt collector has told me that a named third party owes a debt. A quick reverse lookup of my number would have showed them I 'm not the person they 're looking for.
01/22/2020	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	OK 741XX	Web
Diversified Adjustment Services has an open account on my credit report which I challenged with XXXX XXXX. I filled out complaint form and requested written verification of debt 15 USC 1692g sub 809 ( b ). This company does NOT have my permission to open an account using my information. I have NOT done business with this company and they have NOT produced a wet ink contract between myself and said company.
10/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32225	Web
I am not responsible for this 2019 debt. Per the FCRA, the right to accurate information, privacy and fairness. This debt is result of identity theft. Diversified adjustment- Please provide proof where I signed a contract with Diversified adjustment in regards to owing anydebts. Please also provide proof of legal practice for debt collection in the state of Florida along with the originator of this loan.
12/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19132	Web
About XX/XX/2020 I called the gas company and explained to them that it was not my debt and contacted the utility commission about the issue and neither said they could help. In XXXX I received a debt collection letter claiming they own the XXXX account of {$33000.00} and they are going to put a lien on my credit account unless I pay. I filed a police report and now am waiting for them to get back to me.
10/31/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33020	Web
I called an stated there are no agreements with DIVERSIFIED ADJUSTMENT, INC. And they gave me a round around statement.I have no knowledge of it, no legal obligation for it and no information as to its origin. There is NO police REPORT or fraud AFFIDAVIT possible and no information or documentation in my possession in regard to the data contained in the tradeline CREDIT REPORT.This account is not mine.
08/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
Diversified Adjustment reported me to XXXX and XXXX Credit agency and this is not my debt. I researched the debt and it was from a XXXX phone account. I have never had an account with XXXX XXXX Phone company, I have not received any communication in regard to this account. I had my purse stole back in XXXX of 2023 and I filed a identity theft report with the XXXX Police Department, Police Report XXXX.
08/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10467	Web
Phone number XXXX XXXX XXXX XXXX XXXX called me attempting to collect a debt. They did not want to provide basic information about their company. I knew instantly they were fraudulent and hung up on me countless times for questioning their legitimacy. Diversified Adjustment Services needs to be stopped. The company harasses and calls multiple times a day. This company is not legit and clearly a scam.
01/22/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 27612	Web
They have not remove these negative debts or collection on my account that I have reported. I have constantly told them that it wasnt mines and they still talking to the third party and still having these unrecognizable charges and collection on my account without my consent.. its messing me up and Im am tired of trying to tell them and they are not fixing it I want them accounts deleted immediately
12/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 21801	Web	Servicemember
There is an account listed under my name for the original creditor of XXXX XXXX, however, I never signed a contract with XXXX XXXX, and after attempts to obtain a copy of a contract, I have received no response from Diversified Adjustment Service. I have sent faxes and letters requesting copies of my signature on a contract or agreement, and would like to see where this information is coming from.
09/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75093	Web	Servicemember
A prior complaint against Diversified Adjustment with CFPB resulted in the company responding and saying they agreed to delete the collection from my credit report and not report it again if I paid within 15 days. They deleted and I paid. This morning I received an alert that Diversified Adjustment had added the collection back to many credit report dropping my score 32 points. Please fix this.
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43207	Web
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -DIVERSIFIED ADJ SVC XXXX XXXX -XXXX/DEPT OF ED # XXXX -XXXX/DEPT OF ED XXXX XXXX
07/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web	Servicemember
I have A XXXX collection with diversified adj. svc from originator of XXXX but the account does not belong to me and I spoke to XXXX about this account in collections and they notified me that they have no information of this account in my name or responsibility yet it is reporting on my credit report as a derogatory collection account and my only conclusion is this is a fraudulent account
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web
I received a letter stating that I owe {$830.00} from Diversified Adjustment Services Inc. I have never done business with this entity before, they provided no contracts or details stating that we had a contractual obligation. They provided an account # XXXX. This collection has caused a hardship on my creditworthiness and the ability to function and get credit to use for my daily live.
08/22/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77346	Web
This collection was deleted from my report through my divorce l tried several attempts to resolve this collection this collection agency refused to provide me proof that l own them this collection have no legal signature that showed that l have a legal account with them l plan on sue this collection to provide why are there Harassing mean and I do not have a legal account with this agency
03/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92677	Web
I had bad service with XXXX and they released me from my contract. I then sent back the device. They then billed me for the device. I then called to resolve and they acknowledged ( on 2 occasions ) that they did receive the device. They still continue to sell my information to debt collectors that routinely call me. No matter how many times I explain it they call back and are rude.
08/27/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	IL 60638	Web
Diversified Adjustment Service , Inc . XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX I have a debt on my credit report from Diversified Adjustment Service for {$130.00}. The debt is for a XXXX XXXXccount that I have never had. I have contacted the Diversified Adjustment Service over 60 days ago with no reply. I contacted them again 45 days ago and still nothing. I do not owe this amount.
02/10/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07701	Web
Diversified Adjustment placed a derogatory account on my accounts with the credit bureaus. I made a complaint to the Consumer Finance Protection Bureau. On XXXX Diversified Adjustment answered the complaint # XXXX and denied responsibility for the account. Subsequently, on XXXX they verified to XXXX that account was accurate ... Diversified Adjustment lied to the XXXX and XXXX
11/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55024	Web
Diversified Adjustments continues to try and collect on a debt they dont have a contract for. They are reporting unverifiable and inaccurate information violating the FCRA. Diversified Adjustments keeps sending me old bills and NOTHING with my signature on an original contract. Two out of 3 of the credit bureaus have removed them already from my credit due to FCRA violations.
10/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60402	Web
Switched my phone service from XXXX to XXXX XXXX and cancelled my account over the phone with XXXX back in XXXX of 2018 with my current account at a zero balance and have had phone service with XXXX XXXX since XXXX of 2018. My account with XXXX has been closed for a year and I do not have any services from them of any kind. I have no idea what these charges are all about.
01/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 361XX	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices.
05/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 490XX	Web
Have tried to contact DIVESIFIED ADJUSTMENT SERVICES INC to settle an account placed on my credit reports dated on XXXX XXXX ( XXXX XXXX ) with a total balance of ( XXXX ) upon looking at thier website in my accounts summary is NOT the account refrenced and placed on my credit reports but an account balance of ( XXXX ) previously and sucessfully disputed and removed.
01/01/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53216	Web
This Third party Debt collector agency DIVERSIFIED ADJUSTMENT has bought my personal information or was given my personal information WITHOUT my consent! I do not owe this company, never had dealings with this company what so ever. This is a violation under the FDCPA as I didnt give permission for XXXX to sell my personal information. This is a form of identity theft.
11/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77079	Web
I have no recollection of this collection.DIVERSIFIED ADJUSTMENT. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help
01/02/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30318	Web
on XX/XX/2024 I received a letter from Diversified Adjustment Service INC trying to collect a debt from me. They stated I gave them permission to contact me which not true. They are not original people who I signed a contract with. they are trying to collect {$620.00} from me but didn't provide original contract in email. This was charged off by original contractor.
02/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07065	Web
Since XXXX, 2019, I have been asking this company for information verifying this debt, but all I keep receiving is a billing statement with phone numbers that I do not own. There are no verifying documentation given. The credit bureaus keep stating that the account has been verified, but I'm confused because I've gotten nothing from the creditor to verify this debt.
02/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94804	Web	Servicemember
On XXXX XX/XX/2020, I informed Diversified that a Debt to XXXX in the amount {$600.00} was pay directly to XXXX via certified mail. I informed Diversified to cease from reporting any information to All credit bureaus and to not contact me. On or XXXX XX/XX/2020 and again on XXXX XX/XX/2020 ; Diversified continued to report negative information to the credit bureaus.
12/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT XXXXX	Web	Servicemember
Diversified Adjustment Services is attempting to extort money that is not owed by me. I received a collections notice from them in XXXX and sent a letter back demanding debt validation. They failed to provide any validation and reported the collection account to all three credit reporting agencies. I need help getting these false accounts removed from my reports.
10/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92562	Web	Servicemember
XXXX has yet again sent me to another collection agency after me disputing it, the first dispute resulted in them removing the collection but have now put it back on my credit using a different company, I tried disputing it either new company called Diversified twice but they wont remove it, at first there was an amount of XXXX dollars now the amount doesnt show.
07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 14213	Web	Servicemember
DIVERSIFIED ADJUSTMENT IS REPORTING TO THE 3 CREDIT BUREAUS AN ACCOUNT THAT DOES NOT BELONG TO ME XX/XX/2020 ITS REPORTING AND PREVIOUS UPDATED ON CR AS VERIFIED. PLEASE REMOVE ACCOUNT ITS NOT MINE. letters have been sent out to company previous to this with no resolution other then to verify information and for it to stay on my reports. No balance is reporting
02/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33556	Web
They call my number over and over. There is never a person on the line when we answer, just an automated system advising of a collection, and to call an XXXX number. A person should not have to call a collection company to inform them they have the wrong number. This seems like harassment. Most people in collections, which I am not, will not call a number back.
03/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32256	Web
Call from ( XXXX ) XXXX Diversified Adjustment seeking XXXX XXXX. Diversified purchased bad debt or bad contact information from XXXX XXXX. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.
12/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60443	Web
DIVERSIFIED ADJUSTMENT sent me a letter informing me of a debt that I don't owe so I responded saying this is not my debt and do not report to the CRA 's. They sent my a bill and then reported to the CRA 's. I ask them to remove it from the cra 's and send me a copy of their business license to operate in the state of ILLINOIS I have not gotten a response.
07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ XXXXX	Web
I created an account to monitor my credit and was surprised to see a collection from diversified service for city of XXXX which dropped my score significantly. This collection was paid in good faith with the understanding it was to be deleted from my credit profile with each bureau. I would like this collection deleted due to erroneous collection tactics.
10/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60632	Web
This Collection Agency has listed a collection on my credit report. Firstly, they have not validated that this debt belongs to me. Secondly, they are not licensed in my state to even collect debts which is a violation of the federal law. Please remove all collections from my reports as soon as possible otherwise I will have my lawyers look into a lawsuit.
07/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91367	Web
I get a call at different times but every single day from a robot identifying itself as Diversified Adjustment Services ( XXXX ). this has been going on weeks now. It does n't respond to any button presses if i answer. When I do n't answer, these calls fill up my voicemail. I do n't carry a single debt and need these annoying interruptive calls to stop!
10/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93535	Web
The collection agency that post a collection from XXXX that doesnt belong to me has a history of trying to collect fraudulent collections from people. The collection they posted on my account is incorrect, fraudulent. and was already removed two months ago for being so but was placed back on my credit report with a different balance from the last one.
10/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 79936	Web
I revived a call from Diversified Adjustemnt services on XX/XX/2017 @ XXXX XXXX MSt, she stated it was an attempt to collect a debt for XXXX for XXXX the debt was n't validated so they where forced to remove from my credit. After I stated that the debt was n't validated, and I would summit a complaint with FTC and CFPB she stated do whatever you what.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92104	Web
I XXXX XXXX XXXX am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. XXXX. DIVERSIFIED ADJUSTMENT Original creditor : XXXX XXXX number # XXXX XXXX. XXXX XXXX / Account number XXXX
12/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11429	Web
I received a copy of my credit report in XX/XX/XXXX of this year and I noticed an account was placed in collections and I sent a letter to the collections agency asking for debt validation and I never received a response I again sent another letter in XX/XX/XXXX and Ive mad numerous calls with no success. This is not my debt and I am being ignored
01/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30060	Web	Servicemember
I have disputed this debt and I have attempted to get the debt validated from the collection agency which they refuse to do. Instead of validating the debt they have sent me old bills explaining a balance that does not belong to me. I am not responsible for this debt and would like to have it deleted from all three consumer reporting agencies.
08/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 082XX	Web	Servicemember
Saw on credit report a collections line. Never received notice from this debt collection agency nor was offered the ability to verify the debt. Just filed a formal letter to agency for resolution. However adding a collections line without sending a notification letter is improper. Company is Diversified Adjustment Solutions from XXXX XXXX, MN.
01/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30253	Web
Diversified Adjustment Service has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Diversified Adjustment Service to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. Account # / Reference # XXXX
10/19/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	WA 98604	Web
Diversified adjustment services calls me from a new number all the time after I block them. I answer the phone and have explained that Im at hard times right now and my priorities are feeding my kids. They always follow with how I always say that and those are just excuses and that I need to be a responsible mother and pay my phone bill debt.
03/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77590	Web
I have made many attempts with this company to inform them of the Identity Theft I have suffer with my credit report. I have mailed in forms of the theft and disputed the account with XXXX, XXXX and XXXX. I made a report with the Federal Trade Commission XXXX. This collection department has refuse to removed this collection from my account.
12/12/2023	Yes	Debt collection Telecommunications debt	Communication tactics Used obscene, profane, or other abusive language	NJ 080XX	Web
I went to go look at my report & I see this person calling me a debtor ( XXXX XXXX XXXX ) I dont know this person, & I never did business with them. I dont owe them anything that theyre tryna collect. Its causing me damages & hardship XXXX & this person dont have any contracts & I didnt give written consent for them to furnish my report
11/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32909	Web
Diversified Adjustment Service , Inc. at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$690.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature
06/22/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL XXXXX	Web
From XX/XX/XXXX to XX/XX/XXXX they have called 47 times, sometimes 3 to 5 calls a day. I have told them several times that we do not acknowledge this debt, but they continue to the point that I stopped answering the phone. The company is Diversify Adjustment Services. I have a wife that had XXXX XXXX XXXX, but they keep on Colling.
02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 338XX	Web
It was a loan that was apparently taken out in XXXX XXXX XXXX. In the amount of XXXX. I have called the company who says they dont have access to the account so they gave me another number. I called that number and there was no option to speak to an agent. It just sent me to a voicemail service and no one has ever gotten back to me.
01/02/2024	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33991	Web
This company keeps calling harassing me about XXXX XXXX aka person. Each time they called I explained they have called the wrong number and remove it and stop calling me at work. They have not, they continue to call. Called XX/XX/XXXX @ XXXXXXXX XXXX Called again XX/XX/XXXX @ XXXXXXXX XXXX Called again XX/XX/XXXX @ XXXXXXXX XXXX
10/30/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 18017	Web
DIVERSIFIED ADJUSTMENT is in Violation of the Fair Credit Reporting Act law. They continue to inaccurately report on my Consumer File. They are reporting to XXXX blank entries with no status. This kind of reporting is misleading and inaccurate. Their negative reporting is depriving me of my rights that comes with having good Credit.
04/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19119	Web
I paid this debt a long time ago, Diversified Adjustment Company is still reporting a balance on XXXX, and they promised to delete the account upon payment, which it is still on XXXX and XXXX, so they lied! They have violated my rights, made false statements, misrepresented facts, and did not keep their own promise! Please Help Me!
03/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75068	Web	Older American, Servicemember
Debt Collectors trying to get me to pay a debt that I do not owe them. according to FCRA. I needed to be contacted before any negative items are placed on a credit file. Did not send me the items I requested to prove I owed this debt collector any funds. This company violated state and federal collection laws. : Letter attached.
08/30/2019	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	AL 352XX	Web
I have NEVER had an account with XXXX or XXXX as far as cell phones! However I did have an account with XXXX XXXX XXXX for my home service and it has been paid in full and I've gone to a different carrier yet this still keeps showing up on my credit report even after it was removed it has showing up again and this is Been from 2015
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30341	Web
My name is XXXX XXXX XXXX XXXX. I have attached a copy of my cease and desist notice to DIVERSIFIED ADJUSTMENT regarding the collection of an alleged debt and reporting to my consumer credit profile. I demand you respond to my letter with all of the requested information or delete this account from my consumer report immediately.
09/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28217	Web
Diversified Adjustment Service, Inc. At XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , MN XXXX, has been sending me collection notices in the amount of {$1600.00}, the collection has been as reported pass due. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.
09/15/2023	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	DC 20011	Web
Date : XXXX XXXX Company : Diversified adjustment company Total amount in debt : {$490.00} Amount Owed with XXXX : {$99.00} Interest charge : {$0.00} Amount in fees : {$0.00} You paid or were credited this amount towards your debt : {$0.00} Im not understanding why Im being charged over XXXXXXXX XXXX & I only owe them {$99.00}.
12/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38122	Web
I have sent multiple complaints in to this company. They refuse to cooperate. They have not sent anything back to me to verify this as my account. THey haven't sent a copy of the application, or a copy of the IDs submitted with to application to prove it was me. THe account is not mine as is opened as a result of identity theft
08/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 704XX	Web
I was sent into collections for i guess a XXXX account opened in XXXX i do not live their and havent lived their in 6 years i live in XXXX i know who i think did this and i have reported to police and federal trade comission. also i have froze all my credit reports. i am having no success in having this removed from my credit.
04/25/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MN 553XX	Web
I've have had issues with diversified adjustments in the past with my other details of debt and I don't want to deal with them ever but they are now back to sending me mail and phone calls every day so I am now force to look in to getting there certified debt license taken away after the fact they did not follow my request.
01/03/2024	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85308	Web
Letter was sent to my parents house on XX/XX/XXXX. I was just home for the holidays when I got the letter in regards to a past due XXXX bill. Contacted XXXX directly, attempted to contact XXXX on XX/XX/2024 multiple times. Agent refused to identify themselves and hung up on me. On repeated attempts to call back, no answer
08/30/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 117XX	Web
they called my house regarding a person that hasnt lived here in 8 years. i told them so and they keep calling. so i called them this morning upset and they hung up on my 5 times. i cursed at them because they kept speaking over me but they were not being nice and have not removed me from their dialer that keeps calling.
08/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 860XX	Web
In accordance with the Fair Credit Reporting Act XXXX, Diversified Adjustments account # XXXX has violated my rights. 15 U.S.C. 1681 section 602A states, I have a right to privacy. 15 U.S.C. 1681 section 602A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.
08/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19606	Web
someone provably a family member had access to my personal information and someone open a cellphone acct under my name and even forced my signature. i requested validation and i notice the address use to acquire this acct was not mine. i requested deletion of this acct and the company insist the belong to me when is not.
03/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CT 06457	Web
They call daily, multiple times a day. Despite the fact that I have been making regular monthly payments. They want me to pay the balance due, which I do not have the means to do. I have not disputed the debt, nor have I tried to not to pay. I am paying monthly. The representatives are rude and unpleasant for no reason.
07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98059	Web
This account includes no information, ive reached out to the collection agency on numerous occasions to have this information updated. Ive disputed this with XXXX and the failed to provide proof or update the correct information on my credit report. Per FCRA if they can not verify or update this they need to delete it.
10/05/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	DE 19713	Web
Diversified adjustments is contacting my wife and myself on an account that is more than 7 years old. We have repeatedly told them we have already paid this and we are not paying any more money on this balance. Along with the fact the debt is non existent in XXXX system at this time after we contacted them directly.
11/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77396	Web
DIVERSIFIED ADJUSTMENTS at XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX has been sending me collection notices in the amount of {$830.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
11/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48092	Web
Diversified Adjustment Service is violating my federally protected rights under the FDCPA. Diversified has contacted me without my prior consent violating 15 USC 1692c.They are also using This alleged debt with Extortionate intentions to coerce and swindle me into paying the alleged debt.. See attachment for demands
06/21/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MN 55033	Web
XX/XX/XXXX i called and said to take my number off the list. They have called everyday since XXXX They keep acting like I have debt to pay them but I filed XXXX XXXX bankruptcy XXXX years ago. I have no debt to anyone and they continue to call me. I feel that they are trying to steal info and commit fraud or scams.
02/27/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	DE 19713	Web
one of my insurance company adjunctments sent me {$300.00} for the credit however they later claimed hat i had to pay back this amount due to mistaken information. They did send me a letter saying that I have to pay back this amount {$310.00} but i disagreed because they made all of the information as a mistake.
12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 671XX	Web
I have no business with this company and have no knowledge of this business on my credit report Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41
03/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23228	Web
Diversified Adjustment Services Reference # XXXX has been sending me collection notices in the amount of {$750.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 366XX	Web
in accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
12/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 372XX	Web
Despite written communication asking them to cease communications ( notice received on XXXX ), collector continues to contact me ( last call received XXXX, XXXX XXXX ). Collection company violated FCRA by not verifying whatever this debt is and by continuing calls after receiving a do not call notice.
06/12/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 11101	Web
I never opened this account in XX/XX/2018. Please remove this account from my account is affecting my credit scores dramatically. Balance {$2300.00} Highest Balance {$2300.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX
05/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY XXXXX	Web
Please see attached identity theft report, I have continuously disputed this fraudulent account with all XXXX credit bureaus and they have ignored my verified claim without first hand knowledge to the facts. They are unlawfully and illegally reporting inaccurate information on my credit profile.
09/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91367	Web
i 'm STILL getting regular phone calls from a robot identifying itself as " Diversified Adjustment services '' and it 's driving me crazy. they call at various times, sometimes waking me up. they fill up my voicemail. i have no debts! XXXX of the numbers they call from is XXXX it 's been MONTHS!
12/13/2020	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	PA 17111	Web
Good Morning and thank you for reviewing my concern. After reviewing the entire credit profile, Diversified Adjustments placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.
08/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 287XX	Web
Received letter from Diversity Adjustment Service Inc. Stating that I owe {$2200.00} from XXXX XXXX I have confirmed with them that I do not have a balance with them regarding this amount. Believe that they are trying to commit fraud again with me once again for the 2ND TIME within a week.
11/05/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 93706	Web
Diversified Adjustment Service , Inc . XXXX ( XXXX ) Debt collection agency in XXXX XXXX, MinnesotaClosed THIS COMPANY KEEPS CALLING MY CELL PHONE..I HAVE BLOCKED THEIR PHONE NUMBER AND ADDITIONAL PHONE CALL MADE FROM THIS COMPANY WERE SPAM CALLS. THEY ARE CALLING USING TEXAS AREA CODES..
06/26/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30087	Web
Went to view my credit and saw this collection on my credit report. I asked for a correspondence via mail showing any debt owed to this company and over 3 months in I have yet to receive anything. Called and was told it does not matter it will just affect me negatively on my credit file.
01/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77047	Web
I was a customer for XXXX. I had one open line for service. Every time the bill is mailed they always went up on my bill never told me just keep adding other charges that i never set up with them. the debt collectors would harass me every time calling by different numbers and being rude.
05/18/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19140	Web
DIVERSIFIED ADJUSTMENT has Submitted False documentation stating that the account is opened since Date opened XX/XX/2022 when it wasn't I don't know who this company is but its hindering my credit Score do the False Information I never Spoke to this Company or Signed any Documentation
04/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 554XX	Web
I contacted Diversified Adjustment to dispute the debt. On their notice is explicit writing that says call or write us to dispute the debt. Their customer service rep said I could only do this by visiting their website but it clearly states that I can do this by calling them directly.
07/19/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 43207	Web
The call came at XXXX XX/XX/2021. Caller ID : Toll Free Call XXXX I was already on another call and when I answered the call, the lady asked to speak to someone I don't know. I told the lady the she has the wrong phone number and to stop calling my phone number looking for the person.
03/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60619	Web
Diversified Adjustme is reporting {$1400.00} on my credit reports. I have asked to send me information and I have not received anything showing that this is my debt. I have not had a XXXX account open on XXXX XXXX ( open date showing on my credit report ). This is not my account.
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43081	Web
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : DIVERSIFIED ADJ SVC # XXXX
10/16/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27520	Web
Diversified Adjustments recently reported a {$2600.00} collection account on my credit report. Prior to the appearance of this account on my report, I did NOT receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
06/10/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90740	Web	Servicemember
Im getting a collection report of {$37.00} with XXXX through a collection company named diversity adjustment. I cleared that account about two years ago I have never received any letter or claim. I dont have any evidence that I owe that money and is already in my credit report.
01/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98031	Web
I never signed a contract with this company. I have reached out directly to this company numerous times as well as the three major credit bureaus asking them to provide VERIFIABLE PROOF THAT THIS IS MY DEBT. They have been ignoring my letters which is grounds for deletion.
10/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77459	Web
The account reported to my credit report needs to be validated. I have no knowledge of this account. I am requesting full validations. Not the seeming verification process. I do not understand how and why this was reported. requesting how the information was submitted.
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10034	Web	Servicemember
I have a XXXX account on my credit report that I don't recognize. I informed the collection agency, the original creditor, and the credit bureau ( XXXX, XXXX ) that I had no ownership of that account. I'm not sure of what happened and why I have two accounts with XXXX.
01/27/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NM 877XX	Web
They will not stop calling even after I ask them every time they call. I do not want to talk to them. They are going by Diversified Services. They get aggressive and tell me that they are not going to stop. I have to hang up on them as they just keep hounding me.
06/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80138	Web
I have a debt against me under XXXX XXXX. I have no clue why or what for, as I have not had an account with them in over a year. I have not been contacted in regards to this. I believe my account was not closed and I have been charged for utilities under my name.
12/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19146	Web
My credit got affected multiples occasion about this debt that is not mine and in the past has been removed from my credit report because I was victim of identity theft. but every 6 month again without any information the collection appears in my credit report.
02/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60540	Web
Cell phone I don't know when this account was open this Account was open .they said I did not open this Account, this is fraud! I told them years ago, XXXX, XXXX and XXXX when I notice items on my credit report, everything came in the from a collection agency.
11/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00921	Web
This is a fraudulent account that was open. I am not responsible for this charges. I need that this collection company remove this from my credit report. I am submitting a copy of the Identity theft report that I submitted to the Federal Trade Commission.
01/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08104	Web
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. XXXX XXXX, XXXX, Attorney General, and FTC
03/31/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85260	Web
I have received dozens of recorded calls to my business phone line from a company calling themselves " Diversified Adjustment Services, '' saying this is part of a debt collection. I started receiving calls shortly after I activated this business line.
09/20/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	DC 20032	Web
I am not liable for this debt with XXXX XXXX, I do not have a contract with Diversified Adjustment Services , they did not provide me with the original contract as I requested. Company Diversified Adjustment Services Opened XX/XX/2023 XXXX {$230.00}
11/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 161XX	Web
Upon applying for a credit card I found that I was denied for a deliquent account. I looked up my annual credit report and found the supposed debt. The debt is absolutely not mine and I in no way opened the account listed. It is completely fraudulent.
03/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77429	Web
The company, diversified adjustment has reported to the credit agency XXXX in the amount of XXXX this is a violation of the FCRA. this company has never notified me of any debt, I still have no idea who they are and why they are on my credit report.
01/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	FL 33610	Web
I explain several times, with this company that I had a XXXX and to mail me the bill and I would pay on the bill the response was you pass that .and you do n't have any credit to put it on. Ive them to stop until I recover from my XXXX they continue
01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30082	Web
I paid the outstanding balance on my XXXX account in-store at XXXX XXXX and requested XXXX XXXX unlock my XXXX. To date, they have not done so. Father, XXXX has place my account in Collections. Despite the balance on the account being XXXX.
09/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IA 507XX	Web
On XX/XX/2021 I sent a letter to DIVERSIFIED ADJUSTMENT SERVICE, INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
12/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33069	Web
THE FOLLOWING ACCOUNTS ON MY REPORT ARE NOT MINE, IVE REACHED OUT TO DEBT COLLECTOR AND THEY DIDN'T ALLOW ME TO EXERCISE MY RIGHTS AS AN CONSUMER : 1.DIVERSIFIED ADJ SVC ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 2021
04/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 120XX	Web
1. Harrassed my elderly parents. 2. Refused to provide proof debt is owed. 3. Refused to identify themselves or the reason for the call. 4. Contacted me by email after I sent a letter to cease contact. 5. Refused to dispute of debt
08/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
I notified Diversified Adjustment regarding an unfamiliar account. The representative hung up the phone and my letters have not been answered. Account information : Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
08/01/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 14217	Web
I have asked this company several times on a recorded line to stop calling me. the company ignores my request and continues to call me everyday sometimes several times throughout the day. it is very annoying and disruptive to my life.
05/18/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80234	Web
They call dont say anything when I answer they hang up they dont leave messages. The calls are repeated if I dont answer. One day it was three or four in a day. They dont say who they are calling for and this harassment needs to stop
04/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45239	Web
I am disputing the reporting debt on my Credit Report. This bill was paid in full and equipment returned to XXXX XXXX all before my ( 15 day cycle ) was complete. I should have received a refund due to me ending my service earlier.
10/08/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NJ 081XX	Web
I have requested proof of ownership, original signed contract, balance of account and have not received any information. This company continues to tarnish my credit report and harass me with no validity of debt. Debt is not mines.
07/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30122	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
04/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29063	Web
ask company to provide validation that debt was mine and the stated that they do n't have to. sent a validation letter on XXXX and still have not heard from the company for validation. Also disputed with the credit bureau.
12/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30168	Web
XXXX XXXX : Diversified- XXXX XXXX XXXX : {$2400.00} This account does not belong to me. This is improper use of my credit. My name is misspelled, also I have never had any of these phone numbers attached to this account.
03/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 442XX	Web
This company is asking for money that is not owed. I never had a sprint. I do not know where this is coming from. My guess is identity theft. XXXX was contacting me and I told them the same thing. Again I deny this debt.
10/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48038	Web
I was lead to believe that by paying this debt that the negative remark would be removed from my credit report. I think that it is unfair that my debt has been paid only to still have it affecting me on my credit report.
12/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
I was notified XX/XX/2023 that DIVERSIFIED ADJUSTME {$100.00} Was placed on my report, I have not received anything in regards to this collection. This is a fraudulent account please remove off of my report. Thank you
11/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08857	Web
XXXX XXXX did not apply my check payment confirmation XXXX {$92.00} on XX/XX/23. Rep XXXX XXXX confirmed and would adjust accordingly. Also, notified Diversified Adjustment Services XXXX XXXX XXXX, MN XXXX via mail.
01/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
Contacted Credit Bureaus to dispute this account. This is not my debt. I have no knowledge of this account. Requesting this account to be investigated and removed from my credit reports. This account is fraudulent.
09/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92107	Web
They refuse to send me a copy of the debt in the mail and tell me I must pay over the phone now. I have no idea who they are and if they are really even a collection agency. Harassing calls continually everyday.
12/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85006	Web
XXXX sent an outstanding phone bill to a third party collections agency. XXXX terminated my phone lease without my permission or authorization ; therefore, I do not owe anything to XXXX for breach of contract.
08/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29203	Web
The debt accounts on my XXXX accounts shouldve been removed. These accounts were fraudulent and I disputed them on multiple occasions with all credit agencies. They were removed from the others but not XXXX.
05/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02072	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
06/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 023XX	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20705	Web
XXXX will not retract the debt from the credit collection agency when the debt has been paid in full. I spent 2 hours at XXXX store in XXXX MD and spoke to XXXX XXXX XXXX who stated he could not assist.
11/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 47630	Web	Older American, Servicemember
Every day I get calls from someone telling me to call XXXX about a debt, I know I do not owe anyone a debt but I have to stop and answer the phone XXXX or 3 times per day because of this person calling.
09/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 43613	Web
1006.34 Notice for validation. This debt was put on my credit report without notice i am requesting that the debt be validated and would like to request a itemized bill with all dates and amounts due
09/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 142XX	Web
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.
12/09/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	RI 028XX	Web
Diversified Adjustment is reported on my credit report and amount is for {$3200.00}. I sent Diversified Adjustment a debt validation on XXXX XXXX 2017 and Diversified Adjustment has not responded
12/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 50023	Web
Reporting to my XXXX credit report as XXXX XXXX I called XXXX the address this was owed for I have never lived there. The balance is XXXX I have disputed this account and it remains unchanged.
12/02/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 396XX	Web	Older American
Diversified Adjustment CenteXXXX keep calling but won't give the reason they are calling XXXX or XXXX times a day. They ask me for my information or just hang up everyday. Their number is XXXX
08/17/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 08330	Web
I reached out to creditor on my report to resolve case, credit claims they have no information with my name nor any amounts I have never done business with this agency please assist with this
08/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33060	Web
DIVERSIFIED ADJ SVC is reporting a debt from XXXX in the amount of {$1800.00} that I never received notice for. This collection is also listed on my report with a different collection agency.
07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 752XX	Web
I am continuously being hounded, because of a debt that I 've proven to be brought on by identity theft, and therefore invalid. This time, a different collection agency is looking to collect.
03/10/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WA 98498	Web	Servicemember
In the process of bankruptcy and have told this debt collector to stop contacting me but they call every single day. I told them to contact my lawyer and they STILL call me every single day.
01/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11207	Web
NO dates given. Ant {$760.00}. I called XXXX they never did anything. I contacted my credit agencies and theres nothing on my credit report yet this collection agency is charging me this.
01/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92530	Web
I have been sending in validation letters and which I haven't got any response. I contacted original debt and was told I dont owe anything. The cellphones were returned about a year ago.
06/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA XXXXX	Web
Diversified Adjustment Services INC, has been reporting a incorrect balance and debt under my name to Credit Bureaus that I do no owe to them. Severely negatively impacting my credit.
11/02/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46311	Web
The company refuses to respond to any my letters I sent them On XX/XX/2021 I sent a validation letter they didn't respond On XX/XX/2021 I sent a settlement letter they didn't respond
04/09/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 14207	Web
I have talked to a collection agency twice today and they just called me a third time asking for a payment even after I told them I didnt agree with the amount they are saying is due
11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60201	Web
After checking my credit report, i noticed that Diversified is reporting that i owe money on a bill that is not mine. This is incorrectly reported and needs to be removed immediately
12/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21804	Web	Servicemember
unsolicited cellphone call on XXXX/XXXX/17 at XXXX XXXX went to voicemail, meaning a phone service charge to contact the voicemail service. I do not have any overdue bills or debts.
10/09/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	SC 295XX	Web	Servicemember
Debt is too old to be collected on according to fair crediting act called my job and told my boss they were a debt agency looking for me and would not stop calling my work number
10/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02072	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
09/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02740	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
03/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
I have been trying to dispute this company off my credit report for years. Account was opened after my identification was stolen in 2019 this debit came about months after.
11/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70601	Web	Servicemember
Collection from XXXX on a account I didnt sign or start. Its on my credit report as a collection from Diversified Adjustment. I filled a police report for identity theft.
03/30/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MN 55311	Web
They keep calling me. Asking me to verify information. I have kept blocking them as well as changing my mobile number. I have called my mobile provider to block them.
06/27/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33990	Web
A company named Diversified Adjustment Service ( https : //diversifiedadjustment.com/ ) is calling repeatedly even after being told to never call my mobile # again.
07/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MA 01420	Web
I gave them a call today at DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX ) XXXX They said they have no record of me in their system.
11/25/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70815	Web
This is not my debt. Im not sure who used my Information for this bill. This debt is hurting my credit score and my wife and I are trying to purchase a home.
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48433	Web
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. XXXX XXXX XXXX and XXXX
11/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 617XX	Web
XXXX XXXX is attempting to collect a debt that we have spent months trying to work with them on, and they are refusing to settle the debt for less.
07/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 74012	Web	Servicemember
wireless phone bill from XXXX XXXX I have no idea the date service started or stop.. elderly tech abuse by tech companies is and was a issue..
05/18/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 175XX	Web	Older American, Servicemember
XXXX was rude, interrupted me, has XXXX XXXX and is unbalanced. XXXX would not allow me to finish, resolve the matter, kept interrupting me.
05/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89081	Web
Fraudulent debt collection just appeared on all 3 of my credit reports last week. This is stopping me from purchasing a home. Please remove
05/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 17601	Web	Servicemember
XXXX will not update and remove account on XXXX and XXXX even though they have on XXXX XXXX knowing this debt was included in bankruptcy.
03/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90805	Web
I have already disputed this account multiple times, no validation of debt and no response from credit bureaus and or collection agency!
06/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70816	Web
This is not my debt. From what the letter states it was on XXXX. I was a victim of Identity Theft. I have no knowledge of this debt.
03/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78218	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
04/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55430	Web
I Have requested items in writing by certified mail to support me owing the debt also theyre not licensed to collect in my state
06/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78589	Web
This is a third party which purchased my information illegally, is disclosing on my consumer report without my consent
03/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 92780	Web
This was taken off by XXXX. This debt was already removed before and another credit collection agency bought my debt!
04/13/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NJ 07106	Web	Servicemember
Back in XX/XX/XXXX I arranged to pay the balance with the company and charged me a processing fee and that's illegal.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60616	Web
Incorrect information is being reported on my credit report which is adversely affecting my ability to have credit
11/22/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 913XX	Web
Company repeatedly calls asking for someone named " XXXX '' and wont stop calling despite being asked to do so.
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37217	Web
As I viewed my credit report and noticed an account that i have never applied for nor had communication with.
11/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 195XX	Web
Received a bill from a company I did not do business with and not sure how to respond. No action taken yet
05/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85044	Web
I wasnt notified of this debt nor given the chance to dispute it, before it was added to my credit.
08/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 334XX	Web
I have made several attempts to resolve please delete from Diversified Adjustme-XXXX Account # XXXX
05/23/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 12550	Web
XXXX amount XXXX. I dont owe this collection agency anything. I never signed nothing with them.
11/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07206	Web
I tried to call didnt open no account with them maybe could of been somebody who used my info
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 78148	Web
Keep revolving throughout different collection agencies with harassing and threatening calls!
12/12/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78754	Web
This Company just all of sudden reported this debt on my credit report without notice.
07/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07307	Web
The following companies are reporting inaccurate information on my credit profile,
03/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60643	Web
Received letter in mail about a XXXX debt from 5 years ago. I Never had XXXX.
06/16/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	RI 02904	Web
Told them they have the wrong number but still call multiple times per day
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD XXXXX	Web
I would like the wrongful information on my credit report to be removed.
04/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60532	Web
They showed up on my credit report. I have no knowledge of this company
05/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70072	Web
XX/XX/2020 {$570.00} This account is an result of identity theft.
04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web
ftc violation don't even have an account with them or XXXX
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60624	Web
There were accounts put in my name that dont belong to me
07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31419	Web
Called customer service explained debt was not mine
08/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 387XX	Web
Not my account!
02/13/2024	Yes	Debt collection Telecommunications debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 534XX	Web

02/13/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MI 48204	Web

02/12/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77041	Web

02/10/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19124	Web

02/10/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	GA 30331	Web

02/10/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web

02/09/2024	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CT 06457	Web

02/09/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	GA 30253	Web

02/07/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33913	Web

02/06/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75071	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 086XX	Web

02/06/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35904	Web

02/06/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	PA 19403	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06511	Web

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web

02/03/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 77388	Web

02/01/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	OH 44128	Web

02/01/2024	Yes	Debt collection Telecommunications debt	False statements or representation Indicated you were committing crime by not paying debt	TN 37064	Web

01/30/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	TX 77096	Web	Servicemember

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32725	Web

01/29/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91792	Web

01/26/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Phone

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40258	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85253	Web

01/22/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60455	Web

01/19/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33411	Web

01/18/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CT 06067	Web

01/18/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 33801	Web

01/17/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37931	Web

01/16/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19083	Web

01/14/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19013	Web

01/14/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NM 87121	Web	Servicemember

01/12/2024	Yes	Debt collection Telecommunications debt	Electronic communications You told them to stop contacting you, but they keep trying	CA 92393	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30135	Web

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95605	Web

01/06/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19036	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89148	Web

01/04/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	VA 22306	Web

01/03/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91436	Web

12/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web

12/23/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	IN 47904	Web

12/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07108	Web

12/21/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CO 80012	Phone

12/20/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	TX 77073	Web

12/18/2023	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	NE 68102	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23325	Web	Servicemember

12/16/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23505	Web

12/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92404	Web

12/15/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77081	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48021	Web

12/11/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	GA 30008	Web

12/04/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	AZ 86324	Web

12/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60624	Phone

11/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37207	Phone

11/26/2023	Yes	Debt collection Telecommunications debt	False statements or representation Attempted to collect wrong amount	OK 74126	Web

11/24/2023	Yes	Debt collection Telecommunications debt	Communication tactics Called before 8am or after 9pm	NY 10550	Web

11/23/2023	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	GA 30127	Web

11/18/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web

11/13/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39401	Web

11/09/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	DE 19805	Web

11/01/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19118	Web

10/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 431XX	Web

10/29/2023	Yes	Money transfer, virtual currency, or money service Money order, traveler's check or cashier's check	Fraud or scam	TX 77007	Web

10/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90010	Web

10/26/2023	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	TX 78744	Web

10/17/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	IL 60031	Web

10/13/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17112	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30087	Web

10/11/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78253	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80204	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33025	Web

10/05/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	NC 28105	Web

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33064	Web

09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07513	Web

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95356	Web

09/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07410	Web

09/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30097	Web

09/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19146	Web

09/16/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	AL 35404	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85037	Web

09/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37421	Web

09/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29624	Web

09/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90805	Web	Older American, Servicemember

09/08/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	FL 33426	Phone

09/06/2023	Yes	Debt or credit management Credit repair services	Confusing or missing disclosures	GA 30904	Web

09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IN 46516	Web

08/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10538	Web

08/27/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MD 21157	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85305	Web

08/12/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DE 19805	Web

08/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web

08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 17050	Web	Servicemember

08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89032	Web

07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46802	Web

07/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35405	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23294	Web

07/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WV 25404	Web

07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08004	Web

07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33161	Web

07/19/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 64134	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33168	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19146	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	CA 90026	Web

07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19138	Web

07/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19147	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63333	Web

06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34773	Web

06/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WV 26508	Web

06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85138	Web	Servicemember

06/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19104	Web

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44833	Web

06/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19134	Web

06/11/2023	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	FL 33024	Web

06/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32825	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20001	Web

05/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27703	Web

05/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07901	Web	Servicemember

05/17/2023	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	PA 175XX	Web	Servicemember

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19138	Web

05/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	HI 96744	Web

05/13/2023	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	NY 10541	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27537	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29073	Web

04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90061	Web

04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40216	Web	Servicemember

04/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33413	Web

04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92154	Web

04/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31088	Web

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	CO 80525	Web

04/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92123	Web

04/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48033	Web

04/11/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63303	Web

04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39759	Web

04/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78754	Web

04/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44146	Web

03/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CT 06902	Phone

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	FL 33056	Phone

03/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75115	Web

03/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30003	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28150	Web

03/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70056	Web

03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90262	Web

03/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37076	Web

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web

02/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06112	Web

02/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30253	Web	Servicemember

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89105	Web

02/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28215	Web

02/13/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 74578	Web

02/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33138	Web

02/11/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	AR 72104	Web

02/07/2023	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	PA 18201	Web

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90044	Web

02/03/2023	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	IA 50315	Postal mail

01/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70726	Web

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30080	Web

01/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21136	Web

01/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39739	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10304	Web

01/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IA 51501	Web

01/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44130	Web

01/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28217	Web

01/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19119	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30034	Web

01/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75225	Web

12/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94560	Web

12/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33160	Web

12/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 62901	Web

12/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19143	Web

12/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33570	Web

12/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60611	Web

11/30/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

11/25/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30213	Web

11/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48219	Web

11/12/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30213	Web

11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30032	Web

11/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72117	Web

11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77373	Web

10/24/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	TX 76001	Web	Servicemember

10/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92683	Web

10/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94621	Web

10/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 24502	Web

10/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OR 97212	Web

10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85017	Web

10/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29924	Phone	Older American

09/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IA 50315	Postal mail

09/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60619	Web

09/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75287	Web

09/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75092	Referral

09/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IA 50310	Web

09/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27523	Web

09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75110	Web

08/31/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31410	Web

08/30/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OR 97006	Web

08/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28273	Web

08/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01970	Web

08/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 17560	Web

08/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33314	Web

08/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32953	Web	Older American

08/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76112	Web

08/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

08/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30341	Phone

07/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77469	Web

07/14/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70461	Web

07/12/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	ME 04345	Web

07/05/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77449	Web

06/21/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	SC 29909	Phone

06/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37072	Web

06/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29108	Web

05/22/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60192	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web

05/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76643	Web

05/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DE 19809	Phone

04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92040	Web

04/15/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 52803	Web

04/14/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33130	Web

04/14/2022	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	FL 32805	Web

04/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10011	Web

03/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20748	Web

03/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60473	Web

03/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33872	Web

03/09/2022	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 Investigation took more than 30 days	MO 64133	Web

03/08/2022	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	AZ 85040	Web

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33810	Web

02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32712	Web

02/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08028	Web	Servicemember

02/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91764	Web

01/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	LA 70117	Phone

01/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60707	Web

01/11/2022	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	TX 78735	Web

01/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76226	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	CA 91761	Web

12/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60445	Web

12/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06110	Phone	Servicemember

12/22/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34758	Web

12/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92806	Web

12/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29130	Web	Servicemember

12/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77489	Web

12/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55428	Web

12/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60018	Web

12/02/2021	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	OH 45371	Web

11/29/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60644	Web

11/22/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79936	Web

11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web

11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30215	Web

11/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

11/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45014	Web

11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06902	Web

11/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19143	Web

10/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45224	Web

10/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web

10/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web

10/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

09/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IA 50310	Web

09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10027	Web

09/24/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27520	Web

09/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60415	Web

09/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11203	Phone

09/16/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10038	Web

09/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60409	Web

09/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30097	Web

08/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11434	Web

08/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75211	Web

08/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63362	Web

08/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93637	Phone	Older American

08/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

08/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55428	Web

08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	NY 10950	Web

08/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29223	Web

07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32832	Web	Servicemember

07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29229	Web

07/13/2021	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	KS 66049	Web

07/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94803	Web	Servicemember

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95240	Web

07/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77584	Web

06/22/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 20910	Phone

06/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 64119	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web

06/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36117	Web

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29651	Phone

05/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30126	Web

05/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36605	Web

05/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77095	Web

05/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33144	Web

05/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75088	Web

04/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70814	Web

04/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19808	Web

04/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85395	Web

04/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44128	Web

04/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30126	Web

04/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18603	Web

04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11207	Web

04/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46818	Phone

04/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07068	Web

04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10312	Web

04/07/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45107	Web

04/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44314	Web

03/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30082	Web

03/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

03/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90501	Web	Servicemember

03/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78417	Web

03/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08901	Web

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 Investigation took more than 30 days	OH 43606	Web

03/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06820	Web

03/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92805	Web

03/04/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT 84047	Phone

03/03/2021	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 Investigation took more than 30 days	CA 91762	Web

02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 34698	Web

02/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01520	Web

02/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 61265	Web

02/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 73505	Web	Servicemember

02/11/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MN 55331	Web

01/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

01/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53714	Web

01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web

01/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75160	Phone	Servicemember

01/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76063	Web

01/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76063	Web

01/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11249	Web

12/27/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11368	Web

12/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76549	Web

12/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20782	Web

12/06/2020	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	GA 30134	Web

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 Investigation took more than 30 days	GA 30096	Web

11/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97086	Web

11/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07740	Fax

11/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72459	Phone

11/09/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 34744	Web

11/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 40121	Fax

11/05/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language		Phone

10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53209	Web

10/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77015	Web

10/12/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60646	Web

10/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27713	Web	Servicemember

09/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55407	Web

09/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55429	Web

09/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76227	Web

08/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33579	Web

08/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37013	Fax

07/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80246	Web

07/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

07/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web

07/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33021	Fax

07/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75287	Web

07/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60634	Web

06/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60085	Web

06/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75141	Phone	Older American

06/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43228	Web

06/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08701	Web

06/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98058	Web

06/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27312	Web

06/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30214	Web

05/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90059	Web

05/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70806	Web

04/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone	Older American

03/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98030	Web

03/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21904	Web

02/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84115	Web

02/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89031	Web

02/12/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 14065	Web	Servicemember

02/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19111	Web

02/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web

01/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78653	Web	Servicemember

01/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10025	Postal mail

01/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06118	Web	Servicemember

01/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60430	Web

12/26/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OK 74135	Web

12/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95864	Phone	Older American, Servicemember

12/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60430	Web

12/13/2019	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 Their investigation did not fix an error on your report	FL 32828	Web

12/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90036	Web

12/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32828	Web

10/28/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

10/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 50226	Web

10/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45107	Web

10/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 66212	Phone

09/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76543	Web	Servicemember

09/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22922	Web

09/07/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 46254	Web

08/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19131	Web

08/14/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MN 55121	Web

08/02/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28403	Web

08/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22204	Web

07/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33312	Web

06/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11050	Web

06/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27103	Web

06/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77591	Web

06/14/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 46254	Web

06/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29414	Web

06/11/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	WI 54009	Web

06/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49442	Web

06/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85233	Web

05/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19150	Web

05/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85207	Web

05/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33071	Phone

05/01/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92555	Web

05/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33334	Postal mail

04/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL XXXXX	Web

04/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10901	Web

04/12/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 42240	Web	Servicemember

03/30/2019	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 Their investigation did not fix an error on your report	CT 06473	Web

03/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11704	Phone

03/14/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 32177	Web

03/14/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MN 55303	Web

03/04/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 52403	Web

02/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

02/10/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98178	Web

01/08/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

01/06/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78504	Web

12/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60623	Web

12/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90017	Web

12/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60652	Web

12/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	Web

11/29/2018	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	FL 33180	Web

11/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30185	Referral

11/28/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 11218	Phone

09/06/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94121	Web

08/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CT 06851	Web

08/24/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23453	Web

08/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30106	Web

07/27/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying		Phone

07/18/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 75033	Web	Servicemember

07/17/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 338XX	Web

07/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30223	Web

07/05/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 338XX	Web

06/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45417	Referral

06/26/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 90731	Web

06/23/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20010	Web

06/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IA 50501	Web

06/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 338XX	Web

06/08/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NC 28216	Web

05/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78602	Web	Servicemember

05/11/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77433	Web

05/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IA 50501	Web

05/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 13088	Referral

05/07/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76010	Web

04/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48021	Web

04/10/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	XXXXX	Web

03/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07208	Fax

03/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37040	Web	Servicemember

03/12/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 92336	Web

02/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10116	Web

02/12/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77304	Web

01/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21237	Web

01/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30016	Web	Servicemember

12/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90201	Web

12/15/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20832	Web

12/04/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78602	Web

11/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10021	Postal mail

11/29/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ME 04093	Web	Servicemember

11/27/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 21550	Phone

11/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80123	Web

11/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

11/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

11/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33468	Postal mail

11/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77318	Referral

10/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 83642	Web

10/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93455	Web

10/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 99352	Referral

10/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33635	Referral

09/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20603	Postal mail

08/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WV 25840	Postal mail

08/17/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97132	Web

08/10/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WV 25840	Postal mail

08/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20854	Postal mail

07/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23323	Referral

07/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21217	Postal mail

07/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48213	Web

07/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29464	Web

05/15/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32258	Web

05/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Web

05/01/2017	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	MD 20878	Web	Servicemember

04/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34741	Web

04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07073	Postal mail

04/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 43232	Web

04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 79936	Web	Servicemember

03/29/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NJ 08902	Web

03/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33130	Postal mail

02/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 75081	Phone

02/22/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11422	Phone	Servicemember

02/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07960	Referral

02/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NY 14424	Web	Servicemember

02/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90805	Web

01/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76123	Web

01/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OR 97462	Web

01/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	WA 98001	Web

12/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45694	Web

12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33190	Web

12/14/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10583	Web

12/13/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TN 37082	Phone	Older American

12/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 95762	Web

10/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11234	Web

10/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30228	Web

10/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97361	Referral

10/06/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MN 55430	Web

10/05/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 55024	Web

09/10/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98816	Web	Servicemember

08/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OR 97018	Web

08/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85016	Web

08/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46563	Web	Servicemember

08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MN 55372	Web

08/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11225	Postal mail

07/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AK 99517	Postal mail

07/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90008	Fax

07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10901	Postal mail

06/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 93535	Web

05/26/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NV 89011	Phone

04/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 52722	Referral

04/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CO 80863	Web

03/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85296	Web

03/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	NY 12522	Web

03/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22207	Web

03/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91910	Web

02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32901	Referral

01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 49302	Web

01/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19104	Web

01/19/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DE 19802	Phone	Older American

12/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77387	Web

11/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60193	Web

11/19/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94124	Web

11/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AR 85351	Phone	Older American

10/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WV 26570	Web

10/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60657	Web

10/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 10303	Phone

10/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60643	Web	Older American

09/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OK 74021	Web

09/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	KY 42503	Web	Servicemember

08/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	KY 42503	Web	Servicemember

08/03/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33857	Postal mail	Older American

07/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78230	Referral

07/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 55076	Web

06/30/2015	Yes	Credit reporting	Incorrect information on credit report Account status	TX 78745	Web

06/24/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	GA 347XX	Web	Servicemember

06/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NH 08046	Referral	Older American

06/10/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85704	Phone

06/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 19146	Web

05/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AL 35020	Phone

04/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60419	Web

04/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CO 80538	Web

04/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11003	Web

03/20/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

03/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28365	Web	Older American

03/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91601	Web

02/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 79424	Web

02/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43214	Web

02/10/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94087	Web	Older American, Servicemember

02/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07047	Web	Servicemember

02/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95628	Web	Servicemember

02/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 79424	Web

02/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10014	Web

02/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 45231	Web

01/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 17078	Web

01/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30039	Web	Servicemember

01/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60638	Web

01/11/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29501	Web

01/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60515	Web

12/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44307	Web

12/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33410	Web

12/02/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MN 55436	Web

11/26/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	KY 41011	Referral

11/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 54960	Web

11/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 10025	Fax

11/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10027	Web

11/12/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 42718	Web

11/12/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91362	Web	Servicemember

11/04/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 33323	Web	Older American

11/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 99208	Web	Older American

10/20/2014	Yes	Credit reporting	Incorrect information on credit report Account status	MN 55901	Fax

10/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89815	Web	Older American

10/10/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MN 55744	Web

10/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 20175	Web

10/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95776	Referral

10/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44890	Web

10/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15226	Web

10/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33486	Web	Older American, Servicemember

10/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08833	Web	Older American

10/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33323	Phone	Older American

09/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 45410	Web

09/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27804	Web

09/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92879	Phone

09/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19475	Web

08/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 86003	Web

08/14/2014	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MN 55405	Web

08/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33605	Web

08/05/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MA 02169	Phone

07/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77568	Web	Older American

06/14/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WI 54302	Web

06/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10031	Web

06/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98531	Web	Older American

05/22/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94070	Web

05/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	RI 02891	Web

05/05/2014	Yes	Credit card	Delinquent account	VA 23509	Web	Older American, Servicemember

04/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20016	Web

04/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 24543	Web	Servicemember

04/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35504	Web

04/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77018	Web

03/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SC 29229	Web	Servicemember

03/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 45248	Web	Older American, Servicemember

03/27/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77096	Web

03/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28374	Web	Older American

03/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OR 97479	Web

03/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92648	Web	Servicemember

02/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60126	Web

02/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 38574	Web

02/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 14226	Phone

02/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 14004	Web

02/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 31082	Web

01/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	KY 40299	Phone	Older American

01/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OR 97914	Web

01/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78121	Web	Older American, Servicemember

12/11/2013	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	TX 77399	Web

11/24/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 32439	Web

11/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80602	Web

11/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 92663	Web

10/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 42602	Phone

10/09/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 49503	Postal mail	Servicemember

10/03/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 91501	Referral

09/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MN 55433	Web

09/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95377	Web

09/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	PA 15501	Web	Older American

09/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40291	Phone

08/17/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 61607	Referral

07/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92392	Phone