Consumer complaint received 2023-03-13
Company: Consumer Adjustment Company Incorporated
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CONSUMER ADJ CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; XXXX XXXX In care of XXXX XXXX XXXX MI XXXX XXXX : CONSUMER ADJ CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX On XX/XX/ XXXX XXXX appeared before me with the following document Request of original purchase agreement/contract ( CEASE AND DESIST ) LETTER OF INTENT TO SUE Affidavit of Facts CREDITOR/DEBT COLLECTOR DECLARATION Possible violations CC : Consumer Financial Protection Bureau CC XXXX XXXX XXXX XXXX XXXX Michigan Attorney Generals Office CC XXXX United States Attorney Generals Office CC : CC XXXX Federal Trade Commission XXXX XXXX For verification purposes only SUBSCRIBED AND SWORN TO before me on XXXX XXXX XXXX  by, known to me or proven to me to be the real woman signing this affidavit. 
WITNESS my hand and official seal. 

Notary Signature XXXX XXXX NOTARY PUBLIC XXXX XXXX OF XXXX MY COMISSION EXPIRES XXXX ACTING IN THE COUNTY OF XXXX Original purchase agreement/contract requested Im requesting the original agreement with my signature please include all terms and conditions, in addition to name address and phone number of original creditor, payment history, the itemized bill associated for the alleged account and proof of ownership that you are authorized to collect the debt. You have 10 days from the post marked date. AND DESIST all reporting and delete all negative items from all credit reports immediately. Please provide me with an updated credit report. 

Thank you for your cooperation. 

has failed to provide complete accounting of charges from Records of all accounts This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

You are aware of the Fair Debt Collection Practices Act, in addition to my home state laws regarding debt collection practices. Under such laws, I am asserting my right to receive the following information to my requests. Be advised that when I refer to your company, I am referring to the company that sent the charges to my credit report, mail or via email. 


CREDITOR/DEBT COLLECTOR DECLARATION 1. Who or what is the current legal owner of the debt? If your company is the owner then provide proof of the proper transfer of the debt to your company.

2. Does your company have the original paperwork that established and created the debt obligation? 3. Provide a copy of all written agreements that establish the debt. Provide a copy of all written agreements allegedly signed by me as it relates to the debt.

4. Provide a complete list of all owners of the debt, including the date of transfers or assignments of the debt.

5. Provide a written statement in which you declare that the applicable statute of limitations has not run on this debt thereby establishing you are legally entitled to collect the debt.

6. Provide an accounting of all payments made against the debt and an accounting of all fees, charges, costs, legal fees, penalties, and interest charged because of the debt.

10. Provide each and every time your company has filed a report with any of the credit bureau as it relates to my credit report. Provide the exact content of each report filed with any of the credit bureaus as it relates to my credit report.

11. Provide an affidavit of Records of all reporting to XXXX, XXXX, XXXX, any other bureaus and/or accounts and charges Possible violations 1 ) Failing to provide an original purchase agreement that shows that they have a claim as the legal owner of this alleged debt.

2 ) Late payments reporting to my consumer report is ACCORDING to 15 US CODE 1681A titled Definitions Rules of construction para 2 titled exclusions and sub para A Subsection I state that transactions are NOT included in the consumer report. If there has been an oversight please update to be paid in full.

( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 SECTION 602 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 SETION 604 A section 2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation