Consumer complaint received 2025-12-01 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:
I am submitting this detailed response to address Consumer Adjustment Company , Inc. ( CACi ) and their recent communication regarding the account they are attempting to associate with my name. I want to make it absolutely clear from the outset that I do NOT own this account, and I have never opened, authorized, used, or benefited from the debt CACi is reporting on my credit file. This account is fraudulent and is the direct result of identity theft, which is why I filed an FTC Identity Theft Report documenting the fraud. 

CACis prior response did not resolve the issue, did not provide verification, and did not provide any documentation demonstrating that I am responsible for this debt. The original case was closed despite the fact that the dispute was not addressed properly, and therefore I am opening a new case because the issue remains unresolved and continues to impact my credit, my financial wellbeing, and my legal rights. 

This statement will explain in detail why CACis response is insufficient, what legal obligations they have failed to meet, how the identity theft has affected me, and what actions are required to reach a fair, lawful resolution. This submission is comprehensive, detailed, and grounded in federal consumer protection law. 

1. CACis Response Acknowledges They Have NO Validation In their message, CACi stated that they : submitted your dispute to the creditor and requested they provide us with debt validation. 

This statement reveals a very important fact : CACi does NOT have the documentation that federal law requires before reporting or collecting a debt. They openly admitted that they must request validation from the original creditor, meaning they : Do not have the contract Do not have the signed agreement Do not have original account records Do not have proof of identity Do not have itemized statements Do not have documentation showing I ever owed or used this account This alone confirms that CACi is illegally reporting the debt, because under federal lawparticularly the Fair Debt Collection Practices Act ( FDCPA ) a company can not attempt to collect or furnish information on a debt it can not validate. 

If CACi had genuine documentation proving I opened the account, they would have submitted it immediately. The fact that they can not do so clearly supports my identity theft claim. 

2. I Filed an FTC Identity Theft Report Because This Account Is Fraudulent Identity theft is a serious federal issue, and I have already taken the legally required step of filing an FTC Identity Theft Report. This report officially declares and documents that : This account was created without my knowledge or consent I never opened or authorized this debt My identity was used fraudulently This debt does NOT belong to me Under FCRA 605B, when a consumer submits an identity theft report, furnishers and credit bureaus must : Block the fraudulent account Cease all reporting Cease all collection Remove the account from all consumer reports CACi has failed to do this. 

They have neither acknowledged nor complied with the legal requirements tied to identity theft. 

3. CACis Response Did NOT Resolve the Issue CACis message stated : We have updated the three major credit bureaus with the disputed status of this account. 

This does not resolve the identity theft issue in any way. Marking an account as disputed is NOT compliance with federal law. Disputed status does NOT : Remove the fraudulent account Remove the negative impact Correct identity theft Validate the debt Satisfy FDCPA or FCRA requirements Protect my rights Stop collection Stop reporting A disputed status simply means the furnisher knows I disagree. 
Identity theft requires deletion, blocking, and cessation of reporting, not placeholder dispute codes. 

CACis actions are therefore insufficient and legally incomplete. 

4. This New Case Is Necessary Because the First Case Was Closed Without Resolution The earlier CFPB case involving this matter was closed despite : CACi never providing validation CACi never proving ownership CACi never addressing my FTC Identity Theft Report CACi never removing the fraudulent account CACi never conducting a proper investigation CACi never following the legal requirements for identity theft The account continuing to harm my credit Because none of these issues were resolved, I am forced to open a new case. 

This new filing is required to ensure : The identity theft is properly investigated The account is removed permanently CACi complies with federal law I am protected from further damage My rights as a consumer are upheld My credit is corrected The first case did not bring about a legal or fair resolution. 
This one must. 

5. CACi Can not Legally Report or Collect a Debt Without Validation Under the FDCPA 809 ( b ), CACi must cease all collection activity until they produce : A copy of the written agreement A contract with my signature A legitimate validation notice Authentic documentation from the original creditor Proof that I owe the debt CACi has not provided ANY of these required documents. 

Therefore, they are violating : FDCPA 809 ( b ) ( failure to validate ) FDCPA 807 ( 2 ) ( false representation of debt ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ) FCRA 605B ( failure to block identity theft account ) CFPB Regulation V ( failure to conduct reasonable investigation ) CACi is acting outside the law by continuing to furnish, maintain, or collect a debt that is unvalidated and fraudulent. 

6. CACi Failed to Address Identity Theft in ANY Way Nowhere in their response did CACi : Acknowledge my identity theft report State that they reviewed the materials Provide fraud procedures Conduct an identity theft investigation Stop reporting the account Block the account Contact the original creditor regarding identity theft Request fraud documentation from the creditor Provide any documentation proving I opened the account They simply forwarded the dispute and marked it as disputed. 
That is NOT an identity theft investigation. 

It is NOT compliance with federal law. 
It is NOT an acceptable response. 
It is NOT a resolution. 

7. The Fraudulent Account is Causing Serious Harm CACis continued reporting of this fraudulent account has caused : A. Credit Score Damage This fraudulent account is negatively affecting my credit score and therefore impacts my ability to obtain fair credit terms. 

B. Denials for Credit Lenders reviewing my credit have less trust due to the presence of fraudulent derogatory data. 

C. Higher Interest Rates Even when approved, the interest rates are significantly higher due to negative factors caused by identity theft. 

D. Financial Losses I have had to spend time, money, and energy disputing accounts I do not own. 

E. Emotional Distress Identity theft is extremely stressful and burdensome. 
CACis mishandling of the issue has only worsened the impact. 

These are real and ongoing harms that will not end until CACi properly deletes and blocks this account. 

8. Fair Resolution Requires Immediate Deletion Under Federal Law A fair, lawful, and appropriate resolution requires CACi to immediately : Delete the fraudulent account from ALL credit bureaus Block the account under FCRA 605B Cease ALL collection activity permanently Provide written confirmation that I owe nothing Notify the original creditor of identity theft Ensure no reinsertion of the account Update their internal systems to mark the account as fraud Provide me with documentation of their final actions These are not optional steps. 
They are required under federal law. 

9. This Account Must Be Removed Because It Is Fraudulent This account must be permanently deleted because : I did not open it I did not authorize it I did not receive any services I did not provide any personal information I did not sign any documents My FTC report confirms identity theft CACi can not validate it CACi did not comply with the law Continuing to report it is illegal The only legal resolution is complete deletion. 

10. CACi Must Notify All Bureaus of the Deletion Fair resolution requires notifying : XXXX XXXX XXXX CACi must instruct them to : Remove the account Remove all derogatory statuses Remove all late payments Remove any negative remarks Remove any disputed notations Remove any references to this fraudulent account My credit file must be fully corrected. 

11. CACi Must Provide Written Confirmation to Me CACi must provide a written letter confirming : The account was fraudulent The account has been removed The account is blocked from future reporting No collection activity will ever occur No future sale or transfer of the account will occur This is required for my protection. 

12. CACi Must Update Internal Fraud Controls This includes : Applying identity theft flags within their system Training staff to recognize and handle identity theft properly Ensuring future compliance Preventing future wrongful reporting This protects me and future consumers. 

13. Final Statement The Only Fair Resolution To summarize : I do NOT own this CACi account. 
I filed an FTC Identity Theft Report. 
CACi failed to validate the debt. 
CACis response did not resolve the issue. 
The prior case was closed without resolution. 
I am opening this new case to require proper legal action. 

I respectfully request that the CFPB require CACi to : Delete the account Cease all reporting Cease all collection Block the account under FCRA 605B Provide written confirmation Ensure the account can not return This is the only legally compliant and fair resolution.

Company response to consumer: Closed with explanation