Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
FORMAL DISPUTE AND DEMAND FOR DELETION Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, OH XXXX Cell : XXXX Email : XXXX Date : XX/XX/XXXX To : FABCO [ insert company address from credit report ] Cc XX/XX/XXXX Subject : Formal Dispute Unverified, Inaccurate, and Abusive Reporting To whom it may concern : I am formally disputing the debt that FABCO has reported under my name to the consumer credit bureaus. The alleged debt is unverified, inaccurate, and abusive, and your reporting and collection practices violate multiple sections of federal law, including the Fair Credit Reporting Act ( FCRA, 15 U.S.C. XXXX and XXXX ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. XXXX, XXXX, and XXXX ). 
XXXX. Lack of Verifiable Evidence FABCO submitted only a copy of the lease agreement, which merely shows that I rented the apartment it does not state or authorize any charge for alleged damages, nor does it contain my acknowledgment of any balance due. 
There are no signed or dated inspection reports, no itemized invoices, and no documentation proving that I accepted or was responsible for any post-lease charges. 
Under FCRA XXXX ( a ) ( XXXX ) ( A ), a furnisher may not report information that it knows or should know is inaccurate. 
Under FCRA XXXX ( a ), credit bureaus must conduct a reasonable investigation and delete unverifiable data. 
FABCO has failed to meet these obligations. 
XXXX. Fabricated or Altered Evidence The only evidence FABCO provided consists of generic photos showing a lifted carpet, minor humidity marks on a shower wall, and normal signs of wear. 
These photos lack dates, timestamps, and identification of my specific apartment unit. 
It is clear that the company had already started repairs or preparations to re-rent the apartment, which means the photos do not represent the true condition at the time I vacated the property. 
Reporting a debt based on altered, staged, or post-repair photos constitutes willful noncompliance under FCRA XXXX and deceptive collection activity under FDCPA XXXX. 
XXXX. Carpet Charge Abusive and Unsubstantiated FABCO is attempting to charge me for a carpet replacement that had been installed and in use since XXXX, well before my tenancy. 
The carpets condition reflects normal wear and tear, not tenant damage. 
Attempting to collect the full cost of a new carpet for an item that had already exceeded its useful life is unreasonable, inflated, and abusive, violating FDCPA XXXX ( unfair and unconscionable means to collect a debt ). 
XXXX. Final Inspection Verbal Confirmation of No Issues Before my move-out, management conducted a final inspection of the unit. 
During that inspection, I was verbally informed that everything was fine and that there were no damages or pending issues. 
I was allowed to vacate the unit normally. 
It is therefore illogical and unlawful for FABCO to claim new damages weeks or months later, especially without having notified me in writing at the time of inspection. 
The absence of an inspection report signed by me confirming damages proves that these charges were fabricated after I left. 
XXXX. Legal Violations FABCOs actions constitute clear violations of : FCRA XXXX and XXXX Reporting unverified and inaccurate information. 
FCRA XXXX and XXXX Willful and negligent noncompliance, entitling me to damages and attorneys fees. 
FDCPA XXXX False or misleading representations regarding a debt. 
FDCPA XXXX Use of unfair or unconscionable means to attempt collection. 
FDCPA XXXX ( b ) Failure to properly validate the debt after dispute. 
XXXX. Demand for Immediate Action Accordingly, I demand the following within XX/XX/XXXX days of receipt of this letter : Provide signed, dated, and verifiable documentation proving that I accepted these charges and that the alleged damages were caused by me. 
Provide original, dated inspection photos or reports taken at the time of move-out, not after repairs. 
If you can not produce such documentation, you must immediately delete this account from all consumer credit reports and cease any further reporting or collection efforts. 
Provide me with written confirmation of the deletion once completed. 
If you fail to comply, I will proceed with formal complaints to the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Ohio Attorney Generals Office XX/XX/XXXX I will also consider civil action in federal court seeking damages, injunctive relief, and attorneys fees for violations of my rights under the FCRA and FDCPA. 
XXXX. Preservation Notice You are hereby instructed to preserve all documents, emails, photos, inspection records, and internal communications related to this matter. 
Any destruction or alteration of evidence will be treated as spoliation and will be used against you in any administrative or legal proceeding. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, OH XXXX Cell : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation