Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Diversified Adjustment Service , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Formal Demand for Validation of Alleged Debt Account XXXX XXXXXXXX Amount : {$2500.00} To Whom It May Concern, This letter is sent in response to an entry on my credit report and your communications regarding an alleged debt identified as Account XXXX XXXX in the amount of {$2500.00}. I do not acknowledge this debt, and I dispute your right to collect it. 

This is a formal demand for full and verifiable validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and a demand for documentation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. You are not authorized to assume this debt is valid or continue any collection activity until you have provided the complete documentation requested below. 

You must provide the following, legible and signed where applicable : The original signed contract or agreement bearing my signature that establishes any legal obligation for this alleged debt. 

A complete chain of assignment or title, showing every transfer, sale, or assignment of this debt from the original creditor to any subsequent parties, ending with you. Each transfer must include dates and signatures. 

Proof that you currently own or have been legally assigned this debt, including the bill of sale and supporting documentation. 

A complete and itemized accounting from the original creditor explaining how the alleged balance of {$2500.00} was calculated, including all charges, credits, payments, and dates. 

The name, address, and contact information of the original creditor, and the date the account was opened and charged off. 

Copies of all correspondence and communications you claim were sent to me, with proof of delivery. 
Proof of your license and authorization to collect debts in the State of Illinois, including your license number and bonding information. 

Any judgment or court documentation you rely upon to collect this debt. If none exists, confirm that in writing. 

Until you provide the full documentation requested above, you must immediately : Cease all collection efforts, including phone calls, letters, and emails. 

Cease reporting or verifying this account with any credit bureaus. 

Refrain from selling or transferring this alleged debt to another entity. 

If reported to credit bureaus, mark the account as in dispute and provide written confirmation to me. 

If you can not or will not provide complete validation within 30 days, you must : Delete this account from all credit reporting agencies, and Cease all collection activity related to this alleged debt. 

Failure to comply will be considered a violation of both the FDCPA and FCRA. If you continue to report or attempt collection without validation, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. I also reserve the right to pursue civil remedies, including statutory damages and attorneys fees. 

This is not a request for an explanation or summary it is a demand for verifiable proof. Produce the documents listed above, or delete this account immediately and cease all collection activity. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation