Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
This is a complete and detailed description of the issues surrounding the Consumer Adjustment Company , Inc. ( CACi ) account that appears on my credit report under the identifier XXXX. The account is being reported as a Collection/Chargeoff, is marked as derogatory, and reflects a past-due balance of {$960.00}. This account has caused substantial damage to my credit file, negatively affected my financial opportunities, and has been handled in a manner that appears inaccurate, incomplete, non-validated, and non-compliant with federal laws governing debt collection and credit reporting. 

The purpose of this statement is to explain, in full detail, exactly what happened, how Consumer Adjustment Company failed to follow federal legal requirements, how the credit bureaus failed to conduct a lawful reinvestigation, and how this account has caused ongoing harm.

1. Discovery of the CONSUMER ADJ XXXX Account on My Credit Report I first became aware of the Consumer Adjustment Company account during a routine review of my credit reports. The tradeline appeared listed as : Creditor Name : CONSUMER ADJUSTMENT CO ( CACi ) Account Number : XXXXXXXX XXXX XXXX ( obfuscated by credit bureau ) Past Due Balance : {$960.00} Status : Collection/Chargeoff Reporting Across Bureaus : Appears on all three Severity : Derogatory The account was surprising because I had never received a single communication from Consumer Adjustment Company about this alleged debt. I had not received : A phone call A letter A billing statement A notice of assignment A validation notice A demand for payment A settlement offer Any initial communication The account seemed to materialize on my credit file without warning, without explanation, and without any prior collection effort by CACi. 

This raised immediate concerns about : Accuracy Identity association Account existence Documentation Legality of the reporting Compliance with FDCPA and FCRA Because I had no prior knowledge of this debt, I began to investigate further.

2. CACi Is a Debt Collector, Not an Original Creditor and Provided No Documentation Consumer Adjustment Company is not a lender or original creditor. They are a third-party debt collector who must comply with FDCPA requirements, including : Sending a validation/verification notice Providing written notice of the debt Offering 30 days to dispute Providing all documents that prove the debt is valid Identifying the original creditor Providing itemized statements when requested CACi provided none of this.

They did not provide : A. A Written Notice of the Debt ( FDCPA 809 ( a ) ) The law requires CACi to send a written validation notice within five days of the initial communication.

But I never received : A written notice A letter of any kind Any form of initial communication Therefore, CACi did not meet the legal requirement to initiate collection legally.

B. Proof That I Owe the Debt ( FDCPA 809 ( b ) ) When I disputed the account with the bureaus and with CACi, they failed to provide : A signed contract Any agreement or application Statements Ledger Account details Date of service Itemized breakdown Explanation of the {$960.00} balance Account documentation of any kind Total lack of documentation means the debt is not validated.

C. Proof of Ownership CACi must prove the debt was : Assigned to them Placed with them Legally transferred Within their right to collect They provided none of the required transfer documentation.

D. Identification of Original Creditor CACi did not disclose : Who the original creditor was When the debt originated What the debt was for When the alleged default occurred This makes the debt unidentifiable and unverifiable.

3. The Debt May Be Incorrect, Outdated, or Fraudulently Assigned Because CACi failed to provide : Original creditor name Contract Account statements Detailed information Chain of assignment the debt may be : A. Incorrectly assigned Debt collectors often receive improperly transferred accounts with wrong names, wrong amounts, or wrong identities.

B. A double collection attempt It is unclear whether this debt was already settled, paid, discharged, or resolved before CACi began reporting.

C. Time-barred or beyond the statute of limitations Without dates, it is impossible to determine if CACi is collecting old or expired debt.

D. Identity-related A debt without documentation can not be tied to the correct individual.

E. A case of mistaken data reporting CACi may be reporting based on an old or inaccurate database extract.

The absence of foundational documentation makes the debt invalid and the reporting unlawful.

4. I Disputed the Account With All Three Credit Bureaus Upon discovering the account, I immediately disputed it with : TransUnion Experian Equifax In my disputes, I specifically requested : Verification of accuracy Method of verification Documentation supporting the debt Identity confirmation Original creditor documentation Proof that CACi had the right to report the debt Full reinvestigation Correction or deletion of inaccurate information The disputes were submitted correctly and within legal guidelines.

5. Credit Bureaus Failed to Provide a Proper Method of Verification ( FCRA 611 ( a ) ( 6 ) ) The credit bureaus responded with generic statements such as : The account has been verified as accurate.

The information was confirmed.

The furnisher verified the account.

However, the credit bureaus did not provide : Actual copies of documents The name of the person who verified the account Whether CACi supplied documentation Whether verification was done via e-OSCAR Description of the procedure used Evidence CACi validated anything Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), the bureaus must provide the method of verification.

None of them complied.

This is a major legal violation.

6. The Credit Bureaus Likely Used e-OSCAR Instead of a Real Investigation e-OSCAR is an automated system that uses : 2-digit codes No documents No human review No signature comparison No investigation of account history The CFPB has repeatedly stated : e-OSCAR is insufficient It does not meet legal requirements Furnishers must provide documents, not codes Debt-buyer accounts require manual investigation Given the bureaus responses, it is highly likely that : CACi sent an automated confirmation The bureaus accepted it without evidence No documents were reviewed No human investigation occurred This is not a lawful reinvestigation under federal law.

7. CACi Failed to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) When a consumer disputes a debt : The furnisher must report it as disputed Failure to do so is a violation This misleads lenders into believing the debt is uncontested CACi did not report the account as disputed by consumer.

This harms my creditworthiness and violates federal law.

8. Missing and Inaccurate Information on the CACi Account The CACi account contains multiple inaccuracies, including : Missing original creditor name Missing DOFD ( Date of First Delinquency ) Incomplete account history No itemized balance No dates showing account progression No explanation of the {$960.00} charge Inconsistent reporting across bureaus Under FCRA 607 ( b ), data furnishers must ensure maximum possible accuracy.

CACi failed this obligation.

9. CACi Failed to Provide a Legal Basis for Reporting the Debt CACi did not demonstrate : Permissible purpose to access my credit Contractual right to collect Assignment or transfer documentation Original source documentation Any evidence linking me to the debt CACi also did not provide : Proof of compliance with FDCPA requirements Proof of identification match Proof of account ownership Therefore, CACi has no legal basis to report this tradeline.

10. Harm Caused by This Inaccurate and Unverified Reporting The presence of the CACi derogatory collection account has caused serious and ongoing harm, including : A. Lower Credit Score Collections significantly reduce credit scores and remain for years.

B. Credit Denials I have been denied : Loans Credit cards Rental applications Financing opportunities Because lenders perceive collection accounts as severe derogatories.

C. Higher Interest Rates When approved, rates were significantly higher due to the collection.

D. Financial Stress and Emotional Distress This situation has caused : Anxiety Stress Confusion Loss of trust in credit reporting E. Out-of-Pocket Costs I incurred expenses for : Certified mail Printing Credit monitoring Time spent disputing inaccurate reporting These harms continue as long as the account remains unverified.

11. Federal Law Violations Committed by CACi CACi violated : FDCPA Violations 807 ( 2 ) ( A ) misrepresentation 807 ( 10 ) deceptive practices 808 unfair practices 809 ( a ) failure to send validation notice 809 ( b ) continued reporting without validation FCRA Violations 623 ( a ) ( 1 ) inaccurate reporting 623 ( a ) ( 3 ) failure to mark as disputed 623 ( b ) failure to investigate 12. Federal Law Violations by XXXX XXXX XXXX XXXX The credit bureaus violated : 611 ( a ) ( 1 ) no reasonable reinvestigation 611 ( a ) ( 6 ) ( B ) ( iii ) no method of verification 607 ( b ) failure to ensure accuracy 611 ( a ) ( 5 ) failure to delete unverifiable information 13. Summary of What Happened To summarize : CACi is reporting a {$960.00} collection account without any documentation.

I never received a validation notice or initial communication.

CACi failed to validate the debt after dispute.

CACi did not provide any contract, statements, or ownership documents. 

I disputed the account with all bureaus. 

The bureaus failed to conduct a lawful investigation. 

No Method of Verification was provided.

CACi failed to mark the account as disputed.

The reporting contains errors and inaccuracies.

This account has caused substantial financial and emotional harm. 

The account is unverified and can not legally remain on my credit report.

Company response to consumer: Closed with explanation