Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXreditor Ref # : XXXX Account XXXX to : Diversified Adjustment Service , Inc . XXXX XXXX XXXX Complaint Debt collection / inaccurate credit reporting collection is fraudulent/ not my debt XXXX ) Summary of the problem I am filing this complaint because a debt collection account reported on my credit file is fraudulent and inaccurate, and the furnisher/debt collector continues collection activity despite the debt being disputed as invalid. I pulled ny credit in attempt to buy a house and this false account / debt collection was in my report The collection notice I received states : Creditor Name : XXXXXXXX XXXX XXXX XXXX Creditor Ref # : XXXX Our Account # : XXXX Collection agency : Diversified Adjustment Service, Inc. ( XXXX XXXX XXXX, XXXX, MN XXXX ) Despite my position that this account is not valid, the account appears on my credit report and is being treated as collectible, harming my credit standing. The debt is {$930.00} which is not mine!!! I called company told them it was fraud they still have not removed it I filled a police report XXXX ) Why the debt is fraudulent/ inaccurate I dispute the existence and validity of this debt and the accuracy of the information being furnished to consumer reporting agencies. At minimum, the collector has not provided documentation showing : that I am the person responsible for the alleged XXXX account, that the amount is correct, that the collector has a lawful right to collect, and that the account information reported to credit bureaus corresponds to me and the claimed underlying obligation. In my view, this is fraudulent reporting/ an invalid debt claim. If the collector can not substantiate the debt with records tied to me, the reporting must be corrected. 3 ) Legal basis ( requested corrective action ) A. FDCPA debt validation/verification rights Under 15 U.S.C. 1692g, if I dispute the debt in writing within the required period, the debt collector must cease collection of the disputed portion until it provides verification or the required information. I am requesting that the CFPB require the company to provide verification and correct any credit reporting that remains inaccurate or unsubstantiated. B. FCRA duty to investigate disputed information Under the Fair Credit Reporting Act ( FCRA ), once a consumer disputes the completeness/accuracy of information, the consumer reporting process requires a reasonable reinvestigation and correction of inaccuracies. I am requesting removal/correction of any tradeline that remains inaccurate after a proper reinvestigation. C. FDCPA false or misleading representations The FDCPA prohibits false, deceptive, or misleading representations in connection with debt collection. If the collector claims the debt is mine and/or threatens or implies legal consequences without accurate support, that violates the FDCPA. 4 ) Specific requested relief I request the following relief : Remove the collection tradeline from my credit report ( s ) because it is fraudulent and not verified. If removal is not immediately granted, require the company to provide full written verification ( including the original creditor and supporting account records ) and correct the credit reporting if the debt can not be substantiated. Require the company to stop any collection efforts tied to the disputed portion until validation is produced. I am disputing this collection in good faith and requesting that the CFPB route this complaint to the appropriate entity for investigation and corrective action. I am seeking correction/removal of inaccurate reporting and documentation sufficient to verify the alleged debt. Respectfully submitted,

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