Consumer complaint received 2023-08-16
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RE : Violation by Diversified Adjustment Service of 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 15 U.S. Code 1692 - Congressional findings and declaration of purpose a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 


I XXXX XXXX, have a right to be apart of the XXXX XXXX  XXXX for personal and business needs AS A CONSUMER and your reporting has caused my inability to do that. 



15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 


Diversified Adjustments Services, YOU are a furnisher of information to a Consumer Reporting Agency. 



I XXXX XXXX, do not HAVE and, NEVER had ANY written contract of ANY accounts with Diversified Adjustments Services as alleged on my consumer reports. 



I XXXX XXXX have not given Diversified Adjustment Service ANY written permission to report ANYTHING on my consumer report as required by law. I listed the law below. 



15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates You have No permissible purpose by law to report my private or personal information to ANY Third Party. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028 ( A ).

Also, you have violated 15 U.S. Code 1681q. I listed the law below.

15 U.S. Code 1681q - Obtaining information under false pretenses- the whole passage Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 



DIVERSIFIED ADJUSTMENTS SERVICES, willingly and knowingly used deception means in furnishing the inaccurate and incomplete information to the consumer reporting agencies in XX/XX/2021. I have since disputed the account several times which is verified as accurate reporting each time. 



15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt YOU HAVE VIOLATED THE FDCPA. 


In Conclusion, Diversified Adjustments Svc. YOU have been put on notice that this is your FINAL NOTICE that you are continuously and, UNLAWFULLY reporting INACCURATE, RE-AGE and INCOMPLETE information, The information is, in fact, inaccurate. 


I am A LITIGIOUS CONSUMER I will NOT HESITATE TO TAKE LEGAL ACTION against Diversified Adjustments Svc. 


The continued unlawfully reporting of inaccurate and incomplete information is a clear violation of the law 15 USC 1681S-2 of YOUR Responsibilities As a Furnisher Of Information. 


This is a FINAL opportunity to PROMPTLY delete the erroneous, inaccurate, incomplete and re-age account of information from ALL consumer reporting agencies that you have reported it to at once. 


You have caused me and my family severe harm due to your negligence and inaccurate reporting. 


YOU have 5 Calendar days to DELETE THIS ACCOUNT # XXXX from my consumer reports OR, I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. 




Cc : Florida State Attorney XXXX XXXX XXXXXXXX  XXXX Cc : CFPB Enforcement and Supervision Dept Cc : Congress Cc : Attorney Esq.

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