Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
I. Nature of Dispute I am formally disputing the reporting of a XXXX  collection account allegedly assigned to Diversified Adjustment Service and appearing on my credit reports with XXXX, XXXX, and XXXX. XXXX and Diversified Adjustment have failed to provide any evidence or verification that I owe this alleged {$99.00} debt. Therefore, this account is unverifiable, inaccurate, and unlawfully reported under federal law. II. FCRA Violations 1. FCRA 609 ( a ) ( 1 ) ( A ) Failure to Provide Verification Under 15 U.S.C. 1681g, a consumer reporting agency must provide all information in the consumers file upon request, including the source of the information. Neither XXXX nor Diversified Adjustment has provided a signed contract, account statement, billing record, or other written evidence proving this debt belongs to me. If no verifiable documentation exists showing my legal obligation, this entry is unverifiable and must be deleted immediately. 2. FCRA 611 ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation All three bureaus are required to conduct a reasonable reinvestigation when a consumer disputes an account. Simply accepting Diversifieds word without verifying documentation or proof of contract constitutes a sham investigation ( as defined in XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ) ). You can not legally verify an account that lacks documentation, signatures, or original creditor validation. 3. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information Diversified Adjustment and XXXX  have knowingly continued reporting an unverified debt. That is a direct violation of 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate or unverifiable information to consumer reporting agencies. The CFPB has fined major furnishers for exactly this behavior including XXXX  ( {$15.00} XXXX, XXXX ) for improper reinvestigations, and XXXX  ( {$23.00} XXXX, XXXX ) for failing to ensure accuracy in data furnished to credit bureaus. 4. FCRA 604 ( a ) Lack of Permissible Purpose If Diversified or XXXX accessed my credit report without a valid debt or signed authorization, they violated 15 U.S.C. 1681b ( f ) by obtaining my credit information without permissible purpose. III. XXXX XXXX and Consumer Data Accuracy Violations The XXXX XXXX Compliance Guidelines, governed by the Consumer Data Industry Association ( CDIA ), require that furnishers : Report accurate, complete, and verifiable data ( XXXX XXXX, Field 23 & 25 Standards ) ; Delete unverifiable accounts ; and Not report accounts in dispute without an investigation outcome ( CDIA, 1.2.3 ). Yet the bureaus are reporting inconsistent data : XXXX  shows Account In Dispute Reported by Subscriber ( FCBA ) ; XXXX  shows Collection Account ; XXXX  shows Unpaid ; These inconsistent statuses violate XXXX XXXX uniform reporting standards and demonstrate that this account has not been verified. IV. FDCPA & Consumer Law Violations by Diversified Adjustment As a third-party debt collector, Diversified Adjustment is bound by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Under 1692g ( b ), upon written dispute, the collector must cease all collection and reporting activity until debt validation is provided. Diversified Adjustment failed to comply they continue to report this debt after receiving notice of dispute, constituting continued collection activity without validation, a direct FDCPA violation. -- - V. FTC and CFPB Enforcement Precedents Regulators have repeatedly penalized credit bureaus and furnishers for sham investigations and failure to verify disputed accounts, including : XXXX XXXX XXXX ( XXXX ) {$15.00} XXXX fine for improper dispute handling and reinvestigations. XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$23.00} XXXX fine for repeated failure to ensure accuracy of reported data. XXXX XXXX XXXXXXXX, XXXX ( XXXX ) Liability for relying on automated systems without meaningful investigation. XXXX XXXX XXXX ( XXXX ) Sanctions for deceptive and inaccurate reporting practices. These cases establish that a certification of accuracy is not a valid reinvestigation actual documentation and consumer consent are required. VI. Demands for XXXX XXXX I hereby demand the following actions be taken within 15 days of receipt of this notice : XXXX. XXXX deletion of this unverifiable XXXX / Diversified Adjustment account from all three credit reports ( XXXX XXXX, and XXXX  ) . 2. Provide complete documentation verifying the alleged debt, including : The original signed agreement with XXXX  ; Billing records or statements proving liability and amount owed ; Proof of assignment or sale to Diversified Adjustment. 3. Cease and desist from further reporting, collection, or sale of this account. 4. Provide written confirmation that this account has been permanently deleted from all consumer reporting databases. VII. Notice of Legal Intent If this account is not deleted or verified with proper documentation, I will file : A formal enforcement complaint with the CFPB, FTC, and Maryland Attorney General ; A civil claim under FCRA 1681n and 1681o for willful and negligent noncompliance, seeking statutory, actual, and punitive damages, attorneys fees, and costs ; A private action under FDCPA 1692k for continued collection activity on an unverified debt. This letter serves as your final opportunity to comply with federal law and remove this unverifiable account. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation