Consumer complaint received 2026-05-06 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 filing this complaint because inaccurate, fraudulent, and unverifiable information continues to be reported on my consumer credit file despite multiple disputes, identity theft reports, and repeated efforts to resolve these matters directly with the companies involved and the credit reporting agencies. The primary account involved in this complaint is : CONSUMER ADJ XXXX I do not recognize, authorize, or own this account. I never knowingly opened this account, entered into any agreement related to this account, or authorized anyone else to open this account on my behalf. Because I believe this account resulted from identity theft, fraudulent activity, mixed file reporting, or inaccurate furnishing practices, I filed a Federal Trade Commission ( FTC ) Identity Theft Report and submitted identity theft documentation to support my dispute. I also submitted disputes directly to the consumer reporting agencies and requested that the account be removed immediately because it is inaccurate and fraudulent. Despite these efforts, the account continues to appear on my credit report as a derogatory collection account, causing ongoing financial harm and damage to my credit profile. I am the living individual and consumer associated with the credit file in question. I personally submitted all disputes and supporting documentation on my own behalf. No third party, credit repair organization, or unauthorized individual is acting for me in this matter. To verify my identity and eliminate unnecessary delays, I provided : Copy of my Driver License Copy of my Social Security Card Proof of Current Address FTC Identity Theft Report Supporting identity theft documentation Even after receiving this documentation, the companies involved continue to report the account and either fail to provide a meaningful response or claim the account has been verified without providing actual proof that I authorized or opened the account. The continued reporting of CONSUMER ADJ XXXX is inaccurate and harmful. The account is appearing as a collection or derogatory account on my consumer report, which negatively impacts my creditworthiness, lowers my credit score, and interferes with my ability to obtain financing, housing, and other financial opportunities. I disputed this account because : I do not own the account I did not authorize the account I believe the account resulted from identity theft or fraudulent activity I requested proper verification and documentation The account has not been properly validated Instead of providing competent evidence proving I knowingly opened or authorized this account, the responses I received have consisted mainly of generic statements, automated verification language, or incomplete investigations. I specifically requested : Signed contracts or applications Account-opening records Proof of authorization Method of verification Transaction records Identity verification documents used during account opening Audit trails and furnishing history To date, I have not received sufficient documentation proving that this account legitimately belongs to me. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers are required to maintain reasonable procedures to assure maximum possible accuracy of the information they report. Specifically : 15 U.S.C. 1681e ( b ) requires maximum possible accuracy 15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation of disputed information 15 U.S.C. 1681c-2 requires blocking of identity theft-related information 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate disputed information and correct or delete inaccurate reporting I believe these legal requirements were not properly followed in this case. Once I submitted my FTC Identity Theft Report and supporting documentation, the account should have been meaningfully investigated and blocked from continued reporting if it could not be properly verified. Instead, the account continues reporting despite my disputes and identity theft claims. The responses I received appear to rely heavily on automated systems rather than meaningful human investigation. Simply stating that an account was verified does not prove ownership or authorization. Matching personal identifiers alone is not sufficient evidence that I knowingly opened or authorized this account. I also requested the Method of Verification ( MOV ) for the disputed account, including : Whether verification occurred through e-Oscar or manual review The source of information relied upon Copies of documents reviewed The date and time of verification The identity of the furnisher or investigator Internal investigation records and audit trails I have not received meaningful responses to these requests. The continued reporting of this inaccurate account has caused significant harm, including : Damage to my credit score Increased borrowing costs Emotional distress Financial hardship Reduced access to credit Harm to my reputation with lenders and creditors Every month this account remains on my report causes additional harm. I also believe the reporting agencies failed to conduct a reasonable reinvestigation after receiving my identity theft documentation and disputes. Instead of independently investigating the account and reviewing supporting evidence, they appear to have relied on automated responses from furnishers. This is particularly concerning because identity theft disputes require careful investigation and blocking procedures under federal law. I am requesting a complete and lawful resolution of this matter. Specifically, I request : Immediate deletion of CONSUMER ADJ XXXX from all consumer reporting agencies. Immediate blocking of this account under FCRA 605B because it is related to identity theft and fraudulent activity. Written confirmation that the account has been permanently removed from XXXX XXXX XXXX XXXX Full disclosure of the Method of Verification used regarding this account. Copies of all documentation allegedly proving that I authorized or opened the account. Copies of all communications exchanged between the furnisher and consumer reporting agencies regarding this dispute. Written confirmation that the account will not be reinserted without compliance with FCRA 611 ( a ) ( 5 ) ( B ), including advance written notice. Correction of any associated derogatory reporting, balances, payment history, or collection activity related to this account. Immediate cessation of any collection activity associated with this disputed fraudulent account. I also request that the companies involved preserve all records , communications, investigation notes, and electronic transmissions related to my disputes and identity theft claims. I have acted in good faith throughout this process and complied with all reasonable requests for information and identity verification. I repeatedly submitted supporting documentation and clearly explained that I do not own this account. Despite this, the account continues reporting and remains unresolved. I respectfully request that the CFPB assist in ensuring the companies involved comply fully with the Fair Credit Reporting Act and remove this inaccurate and fraudulent account from my consumer credit file. This matter remains unresolved until : The account is permanently deleted and blocked ; All derogatory reporting associated with the account is removed ; I receive written confirmation of the corrections ; and The companies involved comply with all applicable federal consumer protection laws. The fair and lawful resolution is immediate deletion of CONSUMER ADJ XXXX and full compliance with the identity theft protections provided under federal law.

Company response to consumer: Closed with explanation