Consumer complaint received 2021-10-07
Company: Consumer Adjustment Company Incorporated
State: GA
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:
XXXX, has placed a fraudulent collection issued by the notorious CONSUMER ADJUSTMENT CO. on my Credit Report, negatively impacting my credit score and my access to finance! 

The credit reporting agencies should be obligated to have the alleged creditor or collection agency to prove that the debt in question is valid before be allowed to place an unproven debt on a credit report negatively impacting person in question. I have made this same complaint to XXXX & XXXX, against the known dishonest business practices of CONSUMER ADJUSTMENT CO.

Consumer Adjustment Co. issued the following dishonest response to my previous complaint through the CFPB ; Upon receiving notification of this complaint, Consumer Adjustment Company , Inc. ( CACi ) has investigated this matter. There are currently two ( 2 ) accounts placed with our office related to medical services. Both accounts are for services performed at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/2021, both in the amount of {$260.00}. These accounts were placed with CACi for collection on XX/XX/2021. CACi sent the initial notice related to these accounts to you on XX/XX/2021, informing you these accounts had been placed in our office for collection and informing you of your right to dispute these debts. After reviewing your complaint, we have requested the validation documentation from the creditor. Once this information is received it will be forwarded to you for your review. CACi received your credit reporting agency dispute in our office on XX/XX/2021. We will be responding to notify the credit reporting agencies to update these accounts as disputed on your credit report. Should you have any questions or need further assistance please contact our office directly at XXXX or email us at XXXX. 

The above statement is dishonest because CACi, never mailed me any letter claiming any debt! CACi, has received numerous complaints against against their dishonest and illegal business practices. If they had they would have promptly received the following response via certified mail : To : CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account. 
Proof that you are licensed to collect debt in the state of Georgia. 
Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

Regards,

Company response to consumer: Closed with explanation