Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: MI

Complaint narrative:
Name of Company : XXXX XXXX XXXX ( XXXX  ) and CACI Address : They refused to provide it Phone Number XXXX Website XXXX XXXX XXXX Complaint Details : 1. Debt Collection Practices : I am writing to file a complaint against XXXX XXXX XXXX ( XXXX  ) and CACI for potentially illegal debt collection practices. I received a phone call on XX/XX/year> & XX/XX/year> from a CACI representative XXXX and Manager XXXX regarding an alleged debt. During this call, the representative : Engaged in harassment and abusive conduct : This includes mocking and laughing at me, and using threatening language regarding reporting the alleged debt to credit reporting agencies without proper verification, even after notating my verbal and written dispute. 
Refused to provide information about the alleged debt : I was denied details about the origin, amount, and basis of the debt unless I first provided my date of birth and social security number, which is a violation of my consumer rights. 
Failed to properly identify themselves : The representative did not clearly state their name, the company they represent, or the purpose of their call as required by law. 
Refused to provide the mailing address of XXXX XXXX XXXX : Despite claiming that XXXX XXXX XXXX is the " owner of the debt, '' the representative refused to provide their mailing address, hindering my ability to communicate directly with them and further investigate this alleged debt. This refusal violates my right to dispute the debt directly with the current creditor under the FDCPA. 
These actions are consistent with the CFPB 's findings in their lawsuit against XXXX, where they found that XXXX and its affiliates " allowed third-party collection companies to deceive consumers and placed or sold debt portfolios to collection companies engaged in unlawful behavior. '' The CFPB specifically cited instances of false threats and misleading statements made by XXXX 's third-party collectors, mirroring the conduct I experienced. 
2. Debt Validation : I requested validation of the debt, including : Complete identification of the original creditor Account number and date of origination Detailed accounting of the debt Copies of all supporting documentation Despite my request, this information was not provided. 
3. Michigan-Specific Concerns : I am a resident of Michigan and believe these actions violate the Michigan Collection Practices Act ( MCPA ) and the Michigan Consumer Protection Act ( MCPA ). 
I also question whether XXXX and CACI are properly licensed to conduct debt collection activities in Michigan. 
4. Relief Requested : I request that the CFPB investigate this matter and take appropriate action against XXXX and CACI. I am seeking : Cessation of all debt collection activities related to this alleged debt. 
A full investigation into the validity of the debt. 
Enforcement action against XXXX and CACI for their unlawful conduct. 
Summary of findings for future litigation.

Company response to consumer: Closed with explanation