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          Business Profile

          Collections Agencies

          Consumer Adjustment Company Inc.

          This business is NOT BBB Accredited.

          Find BBB Accredited Businesses in Collections Agencies.

          Complaints

          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.

          Additional Complaint Information

          Customer 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. 
          See all additional business information

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          File a Complaint

          Complaint Details

          Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

          Showing all complaints

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          Complaint Status
          Complaint Type

          • Initial Complaint

            02/11/2025

            Complaint Type:
            Billing Issues
            Status:
            Resolved
            I am writing to formally file a complaint against Consumer Adjustment Company Inc. (CACi), located at ********************************************************************************************************************, regarding the fraudulent reporting of a collection account to my credit reports with **********, Equifax, and Experian. Despite my efforts to resolve this matter directly with the company, the issue remains unresolved.Details of the Complaint:Creditor: Consumer Adjustment Company Inc. (CACi)Original Creditor: Pentagon Federal Credit Union Account Number: ******** Balance: $2,947 Date Opened: December 12, 2024 I, ****** O. *****, deny that the above-mentioned debt is my debt. I have been a victim of identity theft, and this fraudulent collection account is a direct result of that crime. I have no knowledge of this debt and have no contractual agreement with either Consumer Adjustment Company Inc. (CACi) or ******** *********************I submitted a formal affidavit disputing this debt, which was sent via certified mail to Consumer Adjustment Company Inc. (CACi), requesting immediate removal of this account from my credit reports. In addition to my affidavit, I provided the following documentation to support my claim:A police report documenting the identity theft incident.An FTC Identity Theft Report confirming my case.Despite receiving these official documents, Consumer Adjustment Company Inc. (CACi) has refused to honor my claim, failed to conduct a proper investigation, and continues to report this fraudulent account on my credit profile, negatively affecting my credit report. Furthermore, I have verified with the ************************************************************ (IDFPR) that Consumer Adjustment Company Inc. (CACi) does NOT hold a valid debt collection license in the State of ********.

            Business response

            02/12/2025

            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

            02/12/2025

            Better Business Bureau:

            I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
             
            Sincerely,

            ****** *****

          • Initial Complaint

            02/06/2025

            Complaint Type:
            Billing Issues
            Status:
            Resolved
            I have no obligation regarding this debt with consumer adj ***** agreement exists between me and consumer adjustment company, and they have failed to provide the original contract despite my request I never received anything from them prior to them adding this to my credit report. If this matter is not resolved promptly, I intend to pursue legal action.

            Business response

            02/11/2025

            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

            02/12/2025

            Better Business Bureau:

            I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
             
            Sincerely,

            ***** *******

          • Initial Complaint

            02/01/2025

            Complaint Type:
            Billing Issues
            Status:
            Answered
            I'm not liable for this debt I have no contract with consumer adjustment co they didn't provide me with the original contract

            Business response

            02/03/2025

            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.

          • Initial Complaint

            01/30/2025

            Complaint Type:
            Billing Issues
            Status:
            Resolved
            I have a collections item on my credit report (account #********* for $303 for a business that I never used. I contacted them (CashnetUSA) when I noticed it, and they could find no record by name, email address, or SSN that I had ever had an account with them. Plus they haven't even done business in ********** in at least three years (the transaction date is October 25, 2024), and I have only lived in ********** for the last 38 years. So I don't know where Consumer Adjustment Company, ***** got this account from, but it wasn't from me. I have not contacted CACI yet, but would like to get this removed ASAP; and after reading how many times this has happened to others, I figured this might be the best way to proceed.

            Business response

            02/03/2025

            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

            02/03/2025

            Better Business Bureau:

            I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
             
            Sincerely,

            ******* ******

          • Initial Complaint

            01/30/2025

            Complaint Type:
            Billing Issues
            Status:
            Answered
            I am not liable fir this debt with *********************** MD, I do not have a contract with CONSUMER ADJUSTMENT CO, They did not provide me with the original contract as I requested.

            Business response

            02/03/2025

            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.

          • Initial Complaint

            01/28/2025

            Complaint Type:
            Billing Issues
            Status:
            Answered
            Consumer adjustment company is listed on my credit report five times in varying amounts. It is GREATLY impacting my score. I have no clue who they are or what debt this is supposed to represent.

            Business response

            02/03/2025

            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 (*******, 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.

          • Initial Complaint

            01/27/2025

            Complaint Type:
            Billing Issues
            Status:
            Resolved
            I am not liable for this debt with Speedy Cash. I do not have a contract with Consumer Adjustment Company. They did not provide me with the original contract as requested.

            Business response

            01/30/2025

            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

            01/31/2025

            Better Business Bureau:

            I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
             
            Sincerely,

            ******* *******

          • Initial Complaint

            01/27/2025

            Complaint Type:
            Billing Issues
            Status:
            Resolved
            I have no obligation regarding this debt with ***********, no agreement exists between me and consumer adjustment company, and they have failed to provide the original contract despite my request *** never received anything from them prior to them adding this to my credit report. If this matter is not resolved promptly, I intend to pursue legal action.

            Business response

            01/30/2025

            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

            01/31/2025

            Better Business Bureau:

            I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
             
            Sincerely,

            ******** *******

          • Initial Complaint

            01/26/2025

            Complaint Type:
            Billing Issues
            Status:
            Resolved
            I am not liable for this debt with **********, I do not have a contract with Consumer Adjustment CO, they did not provide me with the original contract as I requested.

            Business response

            01/30/2025

            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

            01/31/2025

            Better Business Bureau:

            I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
             
            Sincerely,

            ******* *****

          • Initial Complaint

            01/24/2025

            Complaint Type:
            Billing Issues
            Status:
            Answered
            Consumer Adjustment placed an account in collections in the amount of $2,061 naming me as the responsible party, This has caused damage my credit rating. I have never had any Business dealings, transactions, or debts with this company. I requested that they provide me with information detailing the nature of this debt over 30 days ago in writing and have never Received any information on this collections account.

            Business response

            01/27/2025

            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.

          Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩

          BBB Rating & Accreditation

          D

          This business is not BBB Accredited

          Search for Accredited
          Businesses in this category

          Years in Business: 58

          Customer Reviews are not used in the calculation of BBB Rating

          Reasons for BBB Rating

          Contact Information

          500 Northwest Plaza Dr Ste 300

          Saint Ann, MO 63074-2218

          Visit Website
          (314) 729-1133

          Customer Complaints Summary

          1,220 total complaints in the last 3 years.

          572 complaints closed in the last 12 months.

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          When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

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