Consumer complaint received 2023-05-02
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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.

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