Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Regarding : Unauthorized Account, Identity Theft, Failure to Validate Debt, Ongoing Harm In or around XX/XX/XXXX, I discovered that XXXX XXXX was reporting an account under my name and personal identifiers which I did not open, authorize, or contractually engage with. Upon this discovery, I immediately took lawful action by filing an FTC Identity Theft Report and supporting affidavit, and I formally disputed the account with XXXX XXXX via mail. This dispute included a lawful demand for : The original wet ink signature contract bearing my hand-signed consent, as required under contract law. 

All application materials, including documents used to initiate the account, forms of identification submitted, and authorization paths used. 

A full accounting of the alleged debt, including itemized charges, payments, dates of service, and contractual terms. 

A sworn affidavit or signed declaration from a XXXX XXXX representative attesting to the lawful origin of the alleged debt and account. 

Documentation showing lawful standing and authority to collect, report, or enforce any claims based on this account. 

Verification that XXXX XXXX followed federally mandated identity verification procedures before creating the account. 

Despite being properly noticed and served, XXXX has failed to respond with any of the requested documentation. They have neither produced evidence of a lawful, binding contract, nor validated the debt in accordance with federal law. 

As a matter of record and law, failure to validate a debt upon lawful demand renders it legally unenforceable. Continuing to report it constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) and constitutes consumer harm under 15 U.S.C. 1681g, 1681s-2, 1681i, and related provisions.

Legal Authority Supporting My Claim : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : A debt collector may not assume a debt is valid unless it is supported by verified evidence. 

FTC XXXX XXXX XXXX XXXX XXXXXXXX, Civil Action No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Failure to validate a debt renders further collection and reporting unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Debt collectors and furnishers must cease collection efforts until a proper investigation is complete. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No debt shall be presumed valid absent contractual consent and signed agreement. 

15 U.S.C. 1692g ( b ) : Upon dispute and request for verification, all collection and enforcement activity must cease until the debt is verified in writing.

Legal Maxims and Principles Applied : The burden of proof lies on he who affirms, not on he who denies. ( Qui affirmat non probat, non est audiendus ) A contract must be knowingly, willingly, and intentionally entered into by both parties. The absence of a valid contract means there is no meeting of the minds, no consideration, and no obligation.

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