Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11426156
Complaint Overview
Complaint ID: 11426156
Company: Consumer Adjustment Company Incorporated
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Texas
ZIP Code: 75126
Date Received: 2025-01-07T12:00:00-05:00
Date Sent to Company: 2025-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding an account ( XXXX ) being reported by Consumer Adjustment Co that is inaccurate, unverifiable, and must be removed from my credit report. The original creditor, XXXXXXXX XXXX XXXX, could not verify the information being furnished, and Consumer Adjustment Co has failed to validate this debt as required under the FDCPA. Additionally, Consumer Adjustment Co is not registered to transact business in Texas, and their registration has been forfeited, as has the registration of XXXX XXXX XXXX. I have attached proof of these claims for reference. Furthermore, Consumer Adjustment Co has not sent any correspondence regarding this account, violating several FCRA and FDCPA regulations. My personal information was compromised in multiple data breaches, and I am not responsible for this alleged debt. I demand the immediate removal of this account, as its continued reporting is harmful and unlawful. If this account is not removed within 30 days, I will pursue litigation for statutory damages of up to {$1000.00} per violation.
Frequently Asked Questions
What is Complaint #11426156 about?
Complaint #11426156 was filed against Consumer Adjustment Company Incorporated regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-07T12:00:00-05:00.
How did Consumer Adjustment Company Incorporated respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Consumer Adjustment Company Incorporated?
Yes, visit the Consumer Adjustment Company Incorporated company profile at readthecomplaint.com/company/consumer-adjustment-company-incorporated to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.