ComplaintsforConsumer Adjustment Company Inc.

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Current Alerts For This Business

Pattern of Complaint:

BBB has received consumer complaints about Consumer Adjustment Company, Inc. (CACI), which allege the company posted debts to credit reports which were not owed, experienced difficulty obtaining validation of debt, and difficulty getting CACI to make corrections to inaccurate posts to credit reports.

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Customer Complaint:

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Initial Complaint
07/15/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I was not notified or contacted beforehand, and this debt just recently surfaced on my credit record. This debt with Consumer Adjustment Company is not mine to pay. With Consumer Adjustment Company, I do not have a contract. As asked, they did not give me a copy of the original contract bearing my signature. My credit report from each of the three credit reporting agencies is negatively impacted by this FDCPA and FCRA violations. I request this information be removed from all credit bureaus.Consumer Adjustment company ***************************************************
Business response
07/19/2024
We have received your complaint and it is important to us. Consumer Adjustment Company, **** (CACi) will send notification to credit reporting agencies to remove this tradeline from the consumer's credit report.Please allow up to 30 days for credit reporting agencies to update their records.

The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.
Customer response
07/21/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***************************
Initial Complaint
07/15/2024
Complaint Type:
Customer Service Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with consumer adjustment company. I do not have a contract with Consumer Adjustment Company, they did not provide me with the original contract as I requested.
Business response
07/19/2024
We have received your complaint and it is important to us. Consumer Adjustment Company, **** (CACi) will send notification to credit reporting agencies to remove this tradeline from the consumer's credit report.Please allow up to 30 days for credit reporting agencies to update their records.
The account has been listed as paid in full in our office since July 15, 2024.
The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.
Customer response
07/19/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***********************
Initial Complaint
07/12/2024
Complaint Type:
Order Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with Advance America, I do not have a contract with Consumer Adjustment Co, they did not provide me with the original contract as I requested.
Business response
07/19/2024
We have received your complaint and it is important to us. Consumer Adjustment Company, **** (CACi) has submitted your dispute to the creditor and requested they provide us with debt validation. Once validation is received in our office, it will be forwarded to you. We have updated the three major credit bureaus (Equifax, Experian,Transunion) with the disputed status of this account.

The ********************** may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.
Customer response
07/23/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***********************
Initial Complaint
07/12/2024
Complaint Type:
Sales and Advertising Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Consumer adjustment attack my credit. I dont owe them and ive never had a contract with them. They never contacted me to try and resolve anything and now its affecting my livelihood.
Business response
07/19/2024
We have received your complaint and it is important to us. Consumer Adjustment Company,Inc. (CACi) will send notification to credit reporting agencies to remove this tradeline from the consumer's credit report. Please allow up to 30 days for credit reporting agencies to update their records.

The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.
Customer response
07/19/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*******************
Initial Complaint
07/11/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
This company reported that I had an account with them, and that it was opened April 30, 2024. I did not open an account with them. They have placed this account into collections, and they show that I owe $441. They are negatively affecting my credit. I am disputing this report, and I seek to have to this corrected on my credit report.
Business response
07/17/2024
We have received your complaint and it is important to us. Consumer Adjustment Company, **** (CACi) will send notification to credit reporting agencies to remove this tradeline from the consumer's credit report.Please allow up to 30 days for credit reporting agencies to update their records.

The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.
Customer response
07/17/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*****************************
Initial Complaint
07/11/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Consumer Adjustment Company posted a derogatory account on my credit report today. Collection account for Advance America. I have never had any contact or communication with this company before nor with advance anmerica and they just posted a fradulent rouge account with no documentation or chance to dispute in clear violation of FDCPA.
Business response
07/17/2024
We have received your complaint and it is important to us. Consumer Adjustment Company, **** (CACi) will send notification to credit reporting agencies to remove this tradeline from the consumer's credit report.Please allow up to 30 days for credit reporting agencies to update their records.

The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.
Customer response
07/17/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

Odyssey Brown
Initial Complaint
07/11/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with Advance America. I do not have a contract with Consumer Adjustment Company. They did not provide me with the original contract as requested.
Business response
07/17/2024
We have received your complaint and it is important to us. Consumer Adjustment Company, **** (CACi) will send notification to credit reporting agencies to remove this tradeline from the consumer's credit report.Please allow up to 30 days for credit reporting agencies to update their records.

The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.
Customer response
07/22/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*******************************
Initial Complaint
07/10/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
?I received correspondence from this organization in an attempt to collect a debt. This company has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is required.?No ******* notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:??1. Full original account number?2. Date original account opened?3. Any and all written agreement(s) between myself and the diversified consultants stating I agreed to pay alleged debt?3. Consumer address at which original account was opened?4. Date of first delinquency?5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy.7. A copy of all payments made with beginning and ending balances 8. original creditor.? 9. If the company is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.??This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.??Please conduct all communication through written correspondence to the following email address(s) only:?Name: *************************** Email Address(s): ************************* Absolutely no phone calls from the company in any manner other than permitted I will cease all communication (invoking my legal right to request to cease communication) with the presumption that the debt is invalid and that I own zero responsibility (in part or whole) for the repayment of said debt.??
Business response
07/17/2024
We have received your complaint and it is important to us. Consumer Adjustment Company, **** (CACi) will send notification to credit reporting agencies to remove this tradeline from the consumer's credit report.Please allow up to 30 days for credit reporting agencies to update their records.

The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.
Customer response
07/17/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***************************
Initial Complaint
07/10/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Today they put a collection account balance on my credit report stating that I have a debt in the amount of 887$ this is completely false and they are fraudulently trying to scam me. They claim is was opened in May 13 2024 and it knocked down my credit score by 47 points!!!! I have been working on improving my credit for well over a year and have done incredibly well raising it over 120 points. I am extremely frustrated and upset. This needs to be fixed immediately this is not right or fair at all!!!
Business response
07/17/2024
We have received your complaint and it is important to us. Consumer Adjustment Company, **** (CACi) will send notification to credit reporting agencies to remove this tradeline from the consumer's credit report.Please allow up to 30 days for credit reporting agencies to update their records.

The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.
Customer response
07/18/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. As long as the debt is removed and my points are restored, thank you!

Sincerely,

***************************
Initial Complaint
07/09/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have never dealt with Consumer Adjustment Company, but they placed a collection accounts on all 3 credit bureaus for $388 on my credit reports. I NEVER received documentation. I am a victim of ID theft. I have submitted a ID theft police report with all 3 major bureaus. There is no contractual agreement that I owe any alleged debt to Consumer Adjustment Company. A DEBT collector MUST offer proof of the debt as owed by providing copies of the signed instrument or judgment from the original creditor. The basis for my dispute with Consumer Adjustment Company is that they was required to notify me prior to 7/2024, or no later than 30 days after. Consumer Adjustment Company failed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 07/2024, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p), 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus, Consumer Adjustment Company broke commercial law under Article 9 of the *** states that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, Consumer Adjustment Company failed to give me my 5 days prior to placing this derogatory item on all my credit reports, per Section 809, which is $1000 per violation and under Section 807(1) Consumer Adjustment failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FDCPA.If Consumer Adjustment Company continue collection activity with not shown me ANY PROOF, nor the *** OR CFPB i will be FILING A REPORT WITH THE TEXAS ATTORNEY GENERALS OFFICE.
Business response
07/15/2024
We have received your complaint and it is important to us.Consumer Adjustment Company, **** (CACi) will send notification to credit reporting agencies to remove this tradeline from the consumer's credit report.Please allow up to 30 days for credit reporting agencies to update their records.

The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.

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