Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Complaint Against Knight Adjustments for Fraudulent Account Reporting To : Consumer Financial Protection Bureau ( CFPB ) & Utah Department of Financial Institutions Subject : Unauthorized Accounts & Violation of Federal and State Credit Reporting Laws Dear Consumer Finance Officials, I am filing this formal complaint against Knight Adjustments for reporting fraudulent accounts on my credit report, despite my clear evidence that these accounts are not mine. Their continued failure to investigate and remove these accounts is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Utah Consumer Credit Protection Act ( UCCPA ) ( Utah Code 13-45-201 et seq. ), and other applicable laws.

Details of the Fraudulent Accounts : I never applied for, agreed to, or had any accounts with Knight Adjustments.

I never signed any contract or agreement authorizing these accounts.

Upon discovering these accounts on my credit report, I immediately disputed them with both Knight Adjustments and the credit bureaus.

I requested proof of the alleged accounts, including signed agreements or any supporting documentation. Knight Adjustments failed to provide any evidence, which violates my rights under 15 U.S.C. 1681g ( a ) ( 1 ).

I submitted a police report and an identity theft affidavit, in compliance with 15 U.S.C. 1681c-2 ( a ) and Utah Code 13-45-201, proving that these accounts were fraudulently opened in my name.

Knight Adjustments wrongfully denied my claim, despite clear evidence of identity theft, and continues to report these fraudulent accounts.

Violations Committed by Knight Adjustments : Violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ) : Knight Adjustments is required to furnish only accurate information to credit bureaus. By reporting accounts that do not belong to me, they are in direct violation of federal law.

Failure to Investigate ( 15 U.S.C. 1681s-2 ( b ) ) : When I disputed these accounts, Knight Adjustments had a legal obligation to conduct a proper investigation. Their failure to provide documentation or properly investigate my claim violates federal law.

Failure to Block Identity Theft-Related Information ( 15 U.S.C. 1681c-2 ( a ) ) : Once I provided a police report and identity theft affidavit, Knight Adjustments was required to block the fraudulent accounts from my credit report. Their refusal to do so is unlawful.

Violation of Utah Consumer Credit Protection Act ( Utah Code 13-45-201 ) : Knight Adjustments has failed to comply with Utah law requiring the investigation and correction of fraudulent information.

Requested Resolution : Given the clear evidence of fraud and Knight Adjustments failure to comply with both federal and state laws, I demand the following immediate actions : Permanent removal of all fraudulent accounts from my credit report across all bureaus ( XXXX, XXXX, and XXXX ). 
A written confirmation from Knight Adjustments stating that these accounts have been deleted and will not be reinserted in the future.

Compensation for damages under 15 U.S.C. 1681n and 1681o, which allow for statutory and punitive damages due to their willful noncompliance.

If this issue is not resolved within 15 days, I will escalate my complaint to the Federal Trade Commission ( FTC ), the Utah Attorney Generals Office, and pursue legal action for willful violations of my consumer rights.

I expect a response and resolution promptly. Failure to comply will result in further legal consequences.

Company response to consumer: Closed with explanation