Debt collection -- Written notification about debt -- Complaint #9157053
Complaint Overview
Complaint ID: 9157053
Company: Consumer Adjustment Company Incorporated
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: New Jersey
ZIP Code: 07017
Date Received: 2024-06-01T12:00:00-05:00
Date Sent to Company: 2024-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Consumer Adjustment Company , Inc breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. **Lack of Opportunity to Dispute Debt** Despite being approached by Consumer Adjustment Company , Inc. , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. **Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Consumer Adjustment Company , Inc., furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. **Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Consumer Adjustment Company , Inc. , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Frequently Asked Questions
What is Complaint #9157053 about?
Complaint #9157053 was filed against Consumer Adjustment Company Incorporated regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-06-01T12:00:00-05:00.
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 (Debt collection) 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.