Consumer complaint received 2023-10-22
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
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.

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