Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Adjustment Company , Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Debt Validation Request Notice of Dispute Account in Dispute : Consumer Adjustment Account # XXXX {$200.00} To Whom It May Concern, I am writing in response to your communication regarding an alleged debt you claim I owe. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally disputing this alleged debt and demanding full and complete validation. I do not acknowledge this debt and require strict proof that Consumer Adjustment Company has the legal standing to collect or report this account.

Under UCC 8-102 ( a ) ( 15 ), if this alleged debt has been securitized, transferred, or sold into any trust or asset-backed security, your company is not the rightful owner and lacks standing to collect.

Additionally, per Rule 1002 of the Federal Rules of Evidence, the original signed contract bearing my signature is required to prove any alleged obligation. A billing statement, screenshot, summary, or internal printout is not proper validation.

Since I dispute this account, I am demanding the following documentation : 1. Proof of Ownership & Legal Standing The original signed contract with my signature.

A full chain of title, including every bill of sale and assignment agreement.

The complete purchase agreement between the original creditor and Consumer Adjustment.

2. Full Validation & Accounting A complete, itemized accounting showing how the balance of {$200.00} was calculated.

A ledger listing principal, interest, fees, payments, and charge-offs.

Proof that the amount you are claiming is accurate and lawful.

3. Securitization Verification Written confirmation whether this alleged debt was securitized.

The name of any trust or fund associated with the account.

Copies of any Pooling and Servicing Agreements or trust documents, if applicable.

4. Authorization to Collect A copy of your Illinois debt collection license.

Documentation proving authorization from the original creditor.

The full name and contact information of the original creditor.

5. Consumer Rights Compliance A copy of any Notice of Assignment.

Copies of all letters or notices you claim were previously sent to me.

Copies of any arbitration or jurisdiction agreements tied to this account.

LEGAL NOTICE Until you provide every document requested, I do not acknowledge this alleged debt.

Under 15 U.S.C. 1692g ( b ), all collection activity must cease until proper validation is supplied.

Providing billing statements or printouts as validation is a willful violation of federal law.

Under 15 U.S.C. 1692e ( 8 ), you must update all consumer reporting agencies to mark this account as disputed.

If you can not validate : You must delete this account from all credit bureaus ; You must cease all collection activity ; And you must send written confirmation that the account has been permanently removed from your system.

Failure to comply will result in formal complaints to the CFPB, FTC, and the Illinois Attorney General, and may result in civil action for violations of FDCPA and FCRA.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation