Consumer complaint received 2023-04-01
Company: Consumer Adjustment Company Incorporated
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been checking my credit report on a daily basis for the past few months, as I am in the process of applying for a mortgage loan. XXXX day, towards the end of XXXX, I checked my XXXX report and to my surprise, I saw a collection from XXXX XXXX XXXX ( CACi ) for {$2900.00}. This collection account had never been on my credit report before, despite CACi reporting it was first opened in XX/XX/XXXX. 

I have no knowledge of this account and I am not sure how they obtained my private information, including my social security number. I was not sent any notice regarding this alleged debt which would have given me 30 days by law to request validation & verification of this debt, and/or dispute the debt prior to the collection account being placed on my credit report, pursuant to the FDCPA. 

After finding this inaccuracy on my credit report, I called CACi on XX/XX/XXXX and spoke to a customer service rep. When I relayed that I have no knowledge of this account, the rep informed me its an unpaid credit card account from the year XXXX ...! I continued to state that this alleged debt is not mine and I know nothing about this account. The rep seemed like they were trying to jog my memory and they gave me the name and address of someone who they said is affiliated with the account, who lives in XXXX, Georgia. I have never even heard of XXXX, Georgia! 

The rep told me I could dispute the debt by emailing them, that it would be faster to resolve than using the postal mail. I emailed them the same day. I emailed them again on XX/XX/XXXX since I had not heard anything back. I also submitted disputes online with XXXX, XXXX and XXXX. I called again and spoke with a rep who told me they did not know what I was talking about in regards to the person in Georgia ; that they did not have any of that information in their system. 

Again, I asked them to validate & verify that the debt is mine, to which the rep stated they will return my emailed dispute however it takes up to 60 days. This is not in adherence with FDCPA laws. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) CACi has submitted a debt to the credit reporting agencies without providing validation & verification that the alleged debt is truly mine. They have not provided anything to me proving that this is my debt and that they are legally allowed to attempt to collect payment from me for this debt. They also have failed to report a date of first delinquency ( DOFD ), as it is showing as XX/XX/XXXX on my credit report. This also greatly differs from the year XXXX, which is the date I was told by the first CACi rep I spoke to on XX/XX/XXXX that the account was opened. 

This falsely reported debt has caused my credit score to drop tremendously while I am in the middle of applying for a mortgage loan. CACis illegal reporting of this alleged debt has caused me difficulties and delays in the purchase of my home ; not to mention the stress this has caused and all of the time lost that I have spent trying to have this resolved!

Company response to consumer: Closed with explanation