Consumer complaint received 2024-12-24 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I am filing this complaint against Consumer Adjustment Co. ( original creditor : XXXX XXXX  XXXX XXXX ) for multiple violations of federal law and reporting potentially fraudulent and inaccurate information about a debt on my credit reports. Below are the specific violations and inaccuracies, along with the grounds for my request to have this account removed immediately from my credit reports. 

Violations Identified 1. Failure to Provide Validation of Debt I formally requested validation of this debt from Consumer Adjustment Co., yet they failed to provide : A signed agreement or contract confirming my obligation to repay the alleged debt. 
Proof that they legally own this debt and have the right to collect it. 
Evidence to support the balance of {$440.00}, as reported. 
This failure violates 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to cease collection activities until they validate the debt when requested. 

2. Reporting of a Potentially Fraudulent Debt I have no knowledge of this debt, and I have never been notified of its existence before seeing it on my credit reports. I have never signed any agreement or contract with Consumer Adjustment Co. that obligates me to repay this alleged debt.

The companys failure to provide validation raises concerns that this debt may be fraudulent. Reporting unverifiable or fraudulent debts to credit bureaus violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which mandates that furnishers of information verify the accuracy and legitimacy of the debts they report. 

3. Failure to Notify Me of Debt Collection Efforts Consumer Adjustment Co. failed to notify me about this alleged debt as required by 15 U.S.C. 1692g ( a ) of the FDCPA, which mandates that debt collectors provide written notice of a debt within five days of their initial communication.

4. Inaccurate Reporting of Account Information Several inaccuracies appear in the credit reporting for this account : Discrepancies in the Last Reported Dates Across Bureaus XXXX reports the last reported date as XX/XX/XXXX. 
XXXX reports it as XX/XX/XXXX. 
These inconsistencies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), which requires accurate and consistent reporting of consumer information. 

Discrepancies in Comments Section Across Bureaus XXXX states, Customer disputed account - reported by subscriber. 
XXXX states, Consumer disputes this account information. Subject has not satisfied debt.

These conflicting comments create confusion and violate 15 U.S.C. 1681e ( b ), which requires credit reporting agencies and furnishers to maintain accurate and up-to-date information. 

Failure to List Accurate Date of Last Payment XXXX and XXXX report the Date of Last Payment as XX/XX/XXXX. 
XXXX leaves this field blank. 
Inconsistent reporting of such a critical field violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ).

Inaccurate Payment History The payment history section lists 24 consistently for all months, which appears to be incorrect or fabricated. If there was no activity or payments made, the report should accurately reflect that. This misrepresentation violates 15 U.S.C. 1681e ( b ). 
5. Continued Reporting of Unverified Debt By continuing to report this unverified debt to the credit reporting agencies ( XXXX, XXXX, and XXXX ), Consumer Adjustment Co. is engaging in unfair and deceptive practices. This violates the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibits unfair, deceptive, or abusive acts or practices. 

Given these violations and inaccuracies, I respectfully request that Consumer Adjustment Co. take the following actions immediately : Remove this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ) due to the lack of validation, fraudulent nature, and inaccurate reporting of this account. 
Cease all collection activities related to this alleged debt. 
Provide written confirmation that this account has been removed from my credit reports and that no further collection actions will be taken. 
Supporting Points This complaint is not a request for further validation. The burden of proof lies with the debt collector to establish ownership and validity of the debt before engaging in collection activities or reporting it to credit bureaus. As Consumer Adjustment Co. has failed to meet these obligations and has reported inaccurate information, I demand the immediate removal of this account from my credit reports. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation