Consumer complaint received 2019-10-30
Company: Diversified Adjustment Service, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation