Updated on February 6th, 2025 Author: stopcollections | Editor: stopcollections

Complaints Against Consumer Adjustment Company Incorporated (CACI)

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

The Consumer Financial Protection Bureau (CFPB) has received several complaints from consumers about alleged violations and unethical practices by Consumer Adjustment Company Incorporated (CACI). Below is a summary of the most common issues reported, along with actions consumers can take under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) to protect themselves.

Key Complaints Reported by Consumers 

Failure to Provide Debt Verification Documentation

A recurring complaint among consumers is that CACI has failed to provide necessary documentation to verify debts. This failure violates consumer rights under the FDCPA and leaves individuals uncertain about the legitimacy of their obligations, potentially harming their credit scores and financial well-being.

What can you do?

• FDCPA Recourse: Request validation of the debt in writing. If the collector does not provide proper verification, they are required to cease collection efforts.
• FCRA Recourse: Dispute inaccurate debt information directly with credit bureaus to trigger an investigation.

If you believe your rights have been violated, connect with our legal experts for a free consultation.

Reporting Debts That Are Fraudulent or Unrecognized

Many consumers have reported that CACI listed debts they did not recognize or that were linked to fraudulent activity, such as identity theft. This often comes to light when consumers review their credit reports, leading to significant stress and potential financial harm.

What can you do?

• FDCPA Recourse: Notify the debt collector in writing of potential identity theft or fraud and request verification of the debt.
• FCRA Recourse: Submit a dispute to the credit reporting agencies and request the fraudulent or incorrect debt be removed.

Need assistance with debt fraud issues? Reach out for free legal help from consumer protection specialists.

Reporting Debts Without Prior Notification or Dispute Opportunity

Another common grievance against CACI involves reporting debts to credit bureaus without notifying consumers or allowing them the chance to dispute the claims. This violates standard practices outlined in the FDCPA and creates unnecessary burdens for those trying to resolve disputes.

What can you do?

• FDCPA Recourse: Demand a written notice of the debt, as collectors are legally required to provide this. If not provided, the collector is in violation of your rights.
• FCRA Recourse: File a formal dispute with the credit bureau highlighting the lack of prior notification.

If you’ve been affected by such practices, you may qualify for free legal support from our team of experts.

Illegal Re-Aging of Old Debts

CACI has also been accused of re-aging old debts that are past the statute of limitations, essentially making them appear as new obligations. This practice is considered illegal under both the FDCPA and FCRA.

What can you do?

• FDCPA Recourse: Write to the debt collector stating that the debt is time-barred and request they stop contact.
• FCRA Recourse: Dispute the re-aged debt with the credit bureau to ensure accurate reporting of the debt’s statute of limitations.

Don’t face illegal debt practices alone. Get free consultation with a legal expert to understand your options.

Harassment and Misleading Collection Practices

Numerous consumers have shared experiences of harassment and misleading tactics by CACI, including persistent calls, threats, and deceptive claims designed to intimidate. These practices add undue stress and go against the FDCPA’s guidelines for ethical debt collection.

What can you do?

• FDCPA Recourse: Keep a record of all communication. Report instances of harassment to both the CFPB and your state’s attorney general.
• FCRA Recourse: If misleading reports are being filed with credit bureaus, dispute the inaccuracies to correct your records.

If you’ve experienced such treatment, our legal team can connect you with specialized attorneys for free legal advice.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Consumer Adjustment Company Incorporated (CACI), it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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