Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
I am submitting this complaint as the consumer associated with the credit file in question. I am personally filing this complaint on my own behalf. No third party, credit repair company, or representative is acting for me in this matter. This complaint is being submitted to address inaccurate, misleading, and unverified information currently appearing on my credit report that does not belong to me. After reviewing my credit reports, I discovered that a collection account reported by Diversified Adjustment was appearing on my credit file. This account is not mine. I do not recognize this account, I did not open this account, and I never authorized anyone to open an account on my behalf that would result in this debt being reported by Diversified Adjustment. Because I do not recognize this account and have no knowledge of the debt being reported, I immediately took steps to protect myself and to report what appears to be identity theft or fraudulent use of my personal information. As part of those steps, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) documenting that this account is fraudulent and that my personal information may have been used without my knowledge or authorization. Filing an FTC Identity Theft Report is a serious step that consumers take when they believe their identity has been compromised. I filed this report in good faith after discovering that this account did not belong to me. In addition to filing the FTC Identity Theft Report, I disputed the account with the credit reporting agencies and requested that the account be removed from my credit report because it is the result of identity theft. Despite providing notice that this account is fraudulent and that I have filed an FTC Identity Theft Report, the account associated with Diversified Adjustment continues to appear on my credit file. The continued reporting of this account is inaccurate, harmful, and a violation of the requirements of the Fair Credit Reporting Act when the information can not be properly verified. I want to make it very clear that I have never opened an account with Diversified Adjustment, I have never entered into any agreement with this company, and I have never authorized any charges that would result in a collection account being reported by them. The presence of this account on my credit report suggests that my personal information may have been used fraudulently by someone else. Identity theft is unfortunately a serious and common problem affecting consumers across the country. When identity theft occurs, fraudulent accounts may be opened in a consumers name without their knowledge. These accounts can then appear on the consumers credit report and cause serious damage to their credit history. This appears to be what has happened in my case. The Diversified Adjustment account that is appearing on my credit report does not belong to me, and it should never have been reported as my obligation. Once I discovered the account, I acted responsibly and promptly by filing an FTC Identity Theft Report and disputing the account with the credit reporting agencies. However, despite these efforts, the account has continued to appear on my credit report. The continued reporting of a fraudulent account is extremely damaging. Collection accounts are among the most negative items that can appear on a credit report. Even a relatively small collection account can significantly lower a consumers credit score and affect their ability to obtain credit, housing, insurance, or employment. Because of this, it is critically important that collection accounts only be reported when they are accurate and when they actually belong to the consumer whose credit file they appear on. In my case, the Diversified Adjustment account does not belong to me and should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The FCRA also requires credit reporting agencies to conduct a reinvestigation when a consumer disputes information on their credit report. Additionally, companies that furnish information to credit reporting agencies must conduct their own investigation when they are notified that information they reported has been disputed. If the information can not be verified, the law requires that it be corrected or deleted. I have already taken the steps required of me as a consumer. I have reviewed my credit report, identified the fraudulent account, filed an FTC Identity Theft Report, and submitted disputes notifying the credit reporting agencies that the account does not belong to me. Despite this, the account remains on my credit report. This suggests that the investigation procedures used by the credit reporting agencies or the furnisher may not have been sufficient to determine whether the account actually belongs to me. A proper investigation should involve reviewing the underlying documentation associated with the account. For example, if the account was originally opened with another creditor before being assigned to Diversified Adjustment, there should be documentation showing the original application, agreement, billing records, and other identifying information associated with the account. The investigation should determine whether that documentation actually links the account to me. If the company can not provide documentation showing that I opened or authorized the account, then it should not be reported as my obligation. The fact that I filed an FTC Identity Theft Report should also be taken seriously during the investigation process. An FTC Identity Theft Report is an official declaration by a consumer that they are the victim of identity theft. When such a report is filed, it indicates that the consumer has reason to believe their personal information has been used fraudulently. The reporting of accounts associated with identity theft should be carefully reviewed and corrected as necessary to protect the consumer. Unfortunately, the Diversified Adjustment account has continued to appear on my credit report even after I filed my FTC Identity Theft Report. This situation has caused significant frustration and concern because I have done everything that a consumer is expected to do when they discover fraudulent information on their credit report. I have acted promptly, responsibly, and in good faith to report the issue and request correction. However, the problem has not yet been resolved. The continued presence of this account on my credit report is not only inaccurate but also unfair because it makes it appear as though I failed to pay a debt that I never incurred. This has the potential to harm my financial reputation and negatively affect my ability to obtain credit or other financial opportunities. The credit reporting system is intended to provide lenders and other decision-makers with accurate information about a consumers credit behavior. When fraudulent or inaccurate accounts are allowed to remain on a consumers credit report, the system fails to serve its intended purpose. Consumers should not have to spend months or years trying to remove accounts that do not belong to them. The process for correcting inaccurate information should be straightforward and effective. In my case, the issue is simple : the account reported by Diversified Adjustment does not belong to me. I did not open this account, I did not authorize this account, and I have no financial responsibility for this account. Because of this, it should not appear on my credit report. I am requesting that the credit reporting agencies and the company involved conduct a proper reinvestigation of this account and determine whether there is any documentation linking the account to me. If the account can not be verified with actual documentation showing that I opened or authorized it, the account must be removed from my credit report. The removal of this account would correct the inaccurate information currently appearing on my credit file and would restore the accuracy of my credit history. My goal in submitting this complaint is simply to ensure that my credit report reflects accurate and truthful information. I am not attempting to avoid responsibility for legitimate debts. If an account truly belongs to me, I accept responsibility for it. However, this account does not belong to me. The Diversified Adjustment account is fraudulent, and I have already taken the necessary steps by filing an FTC Identity Theft Report to document that fact. Because of this, the continued reporting of this account on my credit report is inappropriate and should be corrected. I respectfully request that the account be properly investigated and removed so that my credit report accurately reflects only the accounts that I actually opened and authorized. Thank you for your attention to this matter and for assisting in resolving this issue.

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