Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I am filing this complaint against POSSIBLE Fabco located at for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq., and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. This company is currently reporting an alleged debt of {$1500.00} originally owed to my consumer credit reports with XX/XX/orTransUnion. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XXXX/XXXXXX/XX/3026I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( XXXX ) cease all collection activity ; ( XXXX ) provide full written validation of the alleged debt; and ( XXXX ) immediately remove this account from my consumer credit reports. As of today, the company has [ FAILED TO RESPOND/ FAILED TO VALIDATE/ CONTINUED REPORTING / CONTINUED CALLING. VIOLATION XXXX REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA XXXX XXXX. XXXX ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA XXXX XXXX. XXXX ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. VIOLATION XXXX REPORTING TIME-BARRED / OBSOLETE DEBT ( FCRA XXXX XXXX. XXXX ( a ) ( XXXX ) ) : The alleged debt referenced above is past the applicable statute of limitations and/or the XXXX-year credit reporting period established under federal law. The date of first delinquency is UNKNOWN NOT PROVIDED ]. Continuing to report and collect on a time-barred debt without proper disclosure constitutes a deceptive practice in violation of FDCPA XXXX XXXX. XXXX. VIOLATION XXXX FAILURE TO VALIDATE DEBT ( FDCPA XXXX XXXX. XXXX ) : This company failed to provide legally sufficient validation of this alleged debt. A collection notice, computerized record, or basic account summary does not meet the legal standard for validation. The company has not produced the original signed agreement, a complete payment history, or proof of legal authority to collect in my state. VIOLATION XXXX CONTINUED COLLECTION ACTIVITY AFTER WRITTEN DISPUTE ( FDCPA XXXX XXXX. XXXX ( c ) ) : After receiving my written Cease and Desist, this company continued reporting, calling, sending letters, etc. ], in direct violation of FDCPA XXXX XXXX. XXXX ( c ), which requires a debt collector to cease communication upon written request. This unlawful collection and reporting activity has caused me significant harm including : credit score damage, denial of loan/housing/job, higher interest rates, emotional distress, financial hardship ]. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and supporting documentation. All records have been preserved for potential civil litigation. I am requesting : ( XXXX ) Immediate deletion of this account from Experian, Equifax, and TransUnion ; ( XXXX ) Written confirmation of deletion sent to my mailing address within 4 days ; ( XXXX ) Written confirmation that all collection activity has permanently ceased. ( XXXX ) A refund of any amounts collected in violation of the FDCPA or FCRA ( if applicable ) ; ( XXXX ) Formal enforcement action Fabco for willful violations of federal law.

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