Consumer complaint received 2023-07-08
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Three times now I have disputed XXXXs attempts to ruin my credit as a previous customer service representative stated they would do. This is what was previously stated in my first complaint that resulted in the removal of this fraud collection : My final Bill with XXXX was {$88.00} I had auto pay set up and I personally inquired on wether or not I needed to make my final payment before transferring my service to a different service provider. The representative I spoke with told me that the auto pay would still go through on the date it was set for. Well it didnt and I have relentlessly attempted to contact XXXX about my final bill. If you can imagine my surprise when this was put on my credit in the amount of {$180.00}. This amount is in excess of my final bill as I did not owe equipment fees or any other fees, just my monthly bill. I have since tried to access previous account information but XXXX refuses to allow me any access to previous billing history and once again I must state that I have not been able to speak to anyone about this. Now I randomly have XXXX XXXX XXXX 's reporting this collection every month to the credit bureaus and it is affecting my credit derogatorily. My score literally plummets anywhere from XXXX points on any given day. Its causing me hardship. XXXX will bot allow me to access my account because it will prove I do not owe the amount being posted on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Today I was notified by XXXX of a company called DIVERSIFIED ADJUSTMENT being added to my report, which is another attempt of XXXX to hold me accountable for an amount that I do not owe them. I have disputed this now three times, it has been removed from my credit twice and XXXX XXXX continually sells my information to these companies. I have been threatened verbally over the phone that XXXX will ruin my credit by these collection agencies that they have sold my information too. Upon contacting XXXX both in person and via phone I have been met with no help and firmly reminded that they will put the collection on my credit. I have given proof of what I am saying now three times. Please help me because this is affecting my ability to navigate the financial world without troubles. In XXXX XXXX also actively discriminated against me by saying my credit score was not high enough to not have to pay a downpayment fee when my actual score was well over XXXX. I have the letter they sent me that states I had too many late payments on my credit at that time which was not true. 

This account was not opened on XX/XX/XXXX that is a manipulative tactic used by XXXX and these crooked collection agencies this account predates XXXX and it was initially put on my credit back in XXXX. They are actively ruining my credit as they stated they would and every-time it gets removed they sell my info to another company and attempt to repost it. Please make it stop!

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