Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Modern Adjustment Bureau
State: GA

Complaint narrative:
I was contacted by MODRN ADJ BU to try and collect a debt of {$8300.00} I dont owe them as this is not my account. Per federal law you are required to verify any debt in writing which is your first violation upon my rights .Account # XXXX Original creditor : 14 CONSUMER MORTGAGE CO FACT # 1 according to FDCPA 15 USC 1692c ( C ) once a consumer notifies a debt collector in writing that they refuse to pay an alleged debt, and wishes to cease further communication, a debt collector must not proceed to communicate with the consumer unless it is advised to the consumer that the debt collectors further efforts are being terminated. Thought the account ending in # XXXX was never validated and cease and desist has been sent they are responding with credit reporting as marked as disputed after NOT providing any contract containing a WET signature but only a statement which bares no validation. has willfully continued to violate federal law under FDCPA 15 USC 1692C ( C ). FACT # 2 under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract .the debt collector that pursuing to collect on the account have not comply with FCRA laws and did not comply with my demand I am demanding to see a copy of the verifiable, validated proof ( an original consumer contract with a wet signed signature on it, copies of copies are not validation and by law are not not considered proof ) that you have on listed on the account is a result violation of under the FDCPA 15 USC 1692g. I do not owe your company as this debt has been wrote off and prepaid. As there is no contract between me and MODRN ADJ BU I do not owe a balance to you, If the balance is from the original creditor I request you to send the account back to the creditor to verify and provide PROBABLE evidence of a signed agreement between me and the creditor. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. Verification : Confirmation of the correctness, truth or authenticity of pleading, account or other paper by an affidavit or oath ; signature by a party or, in some cases, the attorney.Verification- is not identical with authentication. Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. Astatement this is not verification, an affidavit or object of verification is to assure good faith in averments or statement .. CEASE AND DESIST ALL COLLECTIONS AND RETURN THIS ACCOUNT TO ORIGINAL CREDITOR 1.Complete payment history, the requirement of which has been established by Spears v Brennan , 745 N.E 2d 862 ; 2001 Ind.App. Lexis 509. Please provide verification by line item ( with an explantation of each item such as when the purchase took place, how much the item was, were the goods was received, etc ) for the entire amount {$8300.00} you say I owe obtained directly from the original creditor. 2.Show that the obligation between you and I allows you to collect on the alleged debt and any transactions between your company that BINDS ME TO AN AGREEMENT TO PAY YOUR COMPANY ANY MONEY THAT YOU CLAIM I OWE. 3.PROOF OF PHOTO IDENTIFICATION CARD OR OTHER GOVERNMENT ISSUED ID CARD THAT WAS PRESENTED TO YOU AT THE TIME OF THE CONTRACT. 4.MY FULL SOCIAL SECURITY NUMBER THAT MAY HELP TO IDENTIFY ME AS THE CORRECT PERSON YOU ARE TRYING TO COLLECT FROM. Your policy doesnt uphold FEDERAL law and you are well in breach in violating my rights trying to collect a payment from me with no contract /obligation as the attachment is showing final payment not a contract as such a agreement is not sufficient. I have opened and filed complaint with my State Attorney General on this matter as you will recieve notice and all documents included on this complaint as well if you fail to also honor my request made as I state to send my account with all personal information you have obtained without my consent back to original creditor Please also include cease and desist with collection activity also means to terminate all collections activities.

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