Consumer complaint received 2016-10-09
Company: Union Adjustment Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I disputed with XXXX regarding a company that was showing up on my credit report as a 30 day term financial account in collection. There was no payment history. They claimed the original creditor was a company called XXXX XXXX. I never had an account with XXXX XXXX, who reported an auto loan, but this company was on my credit report as a loan. I have disputed regarding that company and have received a resolution regarding my XXXX XXXX adversely effecting credit report. 

I contacted Union Adjustment Co. by mail on XXXX XXXX, XXXX. I sent the letter certified return receipt to the agent of service for this company, XXXX XXXX. I wanted to know how they obtained the account, a completed payment history prior to the year XXXX, copy of original signed documents, and a canceled check or this information needed to be removed from the credit bureaus. I have yet to receive a response with documentation. My main concern is this account was removed from my credit report. It somehow reappeared under a different account number and different amount due. 

This company has provided conflicting information to the credit bureaus. I originally tried to resolve this matter in XXXX. I pulled out that credit report and noticed that the account number is not the same as the account number on my XXXX credit reports. I also noticed that each credit report I have received since the one in XXXX has a different first reported date. If they claimed it was reported in XXXX XXXX, how can it now say XXXX XXXX which is right around the time I notice this account reappeared on my XXXX credit report after being removed at some point in time after I disputed in XXXX. I also noticed the amount in XXXX was less than {$5000.00} and now it 's almost {$7000.00}. The amount due increased between XXXX to XXXX XXXX with less than {$50.00} yet there is a huge difference in the amount from XXXX to present. They do not provide monthly amounts on my credit reports. It 's only the current month. Where did they get that amount and how are they justifying a loan collection when I ca n't get any verification of the information that provide to the bureaus? Just looking at the credit report, it looks like this is a brand new debt that was created in XXXX. Looking at the credit report from XXXX and the XXXX and XXXX XXXX reports and it looks like a collection company put this debt back on my credit report at the time my credit improved and attempted to age it as new debt since it 's past the statute of limitations for California. 

I want this company to provide the documentation showing my signature for XXXX XXXX regarding checks, original loan documents, their assignment, and anything showing my signature with XXXX XXXX associated with this account or remove this from my credit report, because they are reporting in error when they provide conflicting account numbers and amount owed with nothing more than sending a message to credit bureaus claiming the account is verified.

Company response to consumer: Closed with non-monetary relief