Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17127436
Complaint Overview
Complaint ID: 17127436
Company: Diversified Adjustment Service, INC.
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: Florida
ZIP Code: 33463
Date Received: 2025-11-09T12:00:00-05:00
Date Sent to Company: 2025-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint to dispute multiple inaccurate and unverifiable accounts appearing on my credit report. These items are negatively impacting my credit and have not been properly validated under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite previous disputes, these furnishers continue to report misleading or inconsistent information. XXXX. Diversified Adjustment is reporting a collection account for {$640.00} from XXXX on my credit report. I have not received any official notice, validation letter, or documentation proving that I owe this debt or that Diversified Adjustment has legal authority to collect or report it. The balance, payment history, and dates appear inaccurate and inconsistent with any account I have had. XXXX. XXXX XXXX is inaccurately reporting late payments on a paid and closed account on my credit report. The account shows multiple late notations ( XXXX, XXXX, and XXXX days past due ) that do not accurately reflect my payment history or the circumstances of the account closure. Since this account was closed at the credit grantors request and has a XXXX balance, continued negative reporting is both misleading and harmful to my credit profile. XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) is reporting inaccurate and unverifiable information on my credit report. The account shows a charged-off balance of {$1900.00} with numerous late-payment notations and inconsistent dates that do not match my payment records or loan terms. I have not received full validation or documentation to verify the accuracy of this reporting. XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) is reporting inaccurate and misleading information on my credit report. The account shows a charged-off balance of {$9100.00} with a past-due amount of {$9500.00}, along with late payments and a repossession notation that are not consistent with the true history of this loan. I have not received proper documentation or validation confirming the accuracy of this debt or proof that the reported balance and charge-off status are correct. The payment history also contains inconsistencies that unfairly damage my credit standing.
Frequently Asked Questions
What is Complaint #17127436 about?
Complaint #17127436 was filed against Diversified Adjustment Service, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-09T12:00:00-05:00.
How did Diversified Adjustment Service, 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 (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Diversified Adjustment Service, INC.?
Yes, visit the Diversified Adjustment Service, INC. company profile at readthecomplaint.com/company/diversified-adjustment-service-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.