Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: NH

Complaint narrative:
b"On XXXX XXXX XXXX, Diversified Adjustment Service, Inc. mailed me a collection notice for an alleged $XXXX debt, reference XXXX, original creditor XXXX XXXX.\n\nOn XXXX XXXX XXXX, I mailed Diversified a written debt validation request under 15 U.S.C. Section 1692g(b), via USPS Certified Mail with Return Receipt Requested, tracking number XXXX XXXX XXXX XXXX XXXX 74.\n\nOn XXXX XXXX XXXX, USPS confirmed delivery to Diversified at P.XXXX XXXX XXXX XXXX XXXX XXXX. The green card was signed by XXXX XXXX at Diversified. I have photographs of the front of the green card (showing XXXX signature and printed name) and the back (showing the XXXX XXXX XXXX XXXX USPS processing postmark of XXXX XXXX XXXX. Both photos are attached to this complaint.\n\nAs of today, 157 days have elapsed since Diversified received my validation request. Diversified has provided no validation response of any kind. Under 15 U.S.C. Section 1692g(b), Diversified was required to cease all collection activity upon receipt of my written dispute and to remain in cease until it provided verification of the debt. Diversified has not provided verification. Diversified is in continuing violation.\n\nOn XXXX XXXX XXXX, I mailed Diversified a formal FDCPA demand letter (the demand letter is attached to this complaint) detailing the violation and demanding (1) permanent cease of all collection activity on reference XXXX; (2) written confirmation that Diversified has not furnished and will not furnish data on this account to any consumer reporting agency; (3) written confirmation that Diversified will not sell, assign, or transfer the account to any other collector; and (4) permanent closure of the account in Diversified's internal collection systems.\n\nThe XXXX XXXX demand letter was delivered on XXXX XXXX XXXX, signed for again by XXXX XXXX at Diversified, USPS Certified Mail tracking XXXX XXXX XXXX XXXX XXXX XXXX. The demand letter set a 15-day window for written confirmation of the four demands. That window closed on XXXX XXXX XXXX. Diversified did not respond.\n\nI have pulled my three bureau credit reports recently. Diversified itself is not reporting this account to XXXX, XXXX, or XXXX. However, the underlying $XXXX XXXX XXXX account is reporting directly from XXXX as a collection tradeline on all three bureaus.\n\nThe specific FDCPA violations are:\n\n15 U.S.C. Section 1692g(b): Failure to validate; failure to cease collection after timely written dispute. 157 days of continuing violation.\n\n15 U.S.C. Section 1692e: False or misleading representation of the debt's status, to the extent Diversified continues to treat the account as an open, collectable claim while unvalidated.\n\n15 U.S.C. Section 1692f: Unfair practice of holding the unvalidated account open in Diversified's collection inventory, which creates ongoing risk of sale or transfer to a downstream collector.\n\nI am asking the CFPB to compel Diversified to (1) permanently cease all collection activity on reference XXXX as to me; (2) provide written confirmation, signed by an officer of Diversified, that Diversified has not and will not furnish data on this account to any consumer reporting agency; (3) provide written confirmation that Diversified will not sell, assign, or transfer the account to any other collector or debt buyer; and (4) confirm permanent closure of the account in Diversified's internal collection systems."

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