Debt collection -- False statements or representation -- Complaint #16977582
Complaint Overview
Complaint ID: 16977582
Company: Federal Adjustment Bureau, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Ohio
ZIP Code: 43227
Date Received: 2025-11-02T12:00:00-05:00
Date Sent to Company: 2025-11-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CERTIFIED MAIL TO : fabco Date : FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Acct # To Whom It XXXX Concern : I am sending this letter to you in response to a notice I received from you on XX/XX/year> Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above named XXXX and XXXX. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX Equifax, Experian or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act
Frequently Asked Questions
What is Complaint #16977582 about?
Complaint #16977582 was filed against Federal Adjustment Bureau, INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-02T12:00:00-05:00.
How did Federal Adjustment Bureau, INC. 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Federal Adjustment Bureau, INC.?
Yes, visit the Federal Adjustment Bureau, INC. company profile at readthecomplaint.com/company/federal-adjustment-bureau-inc 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.