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

Consumer Complaints Against Diversified Adjustment Service, Inc.

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 following is a summary of complaints submitted by consumers to the Consumer Financial Protection Bureau (CFPB) regarding Diversified Adjustment Service, Inc. (DAS), a third-party debt collection agency. This summary highlights recurring reports of questionable practices and aims to educate consumers on their rights under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). If you believe your rights have been violated, we can connect you with legal experts for a free consultation.

Key Complaints Reported by Consumers 

Unauthorized Reporting of Debts to Credit Bureaus

Many consumers claim that Diversified Adjustment Service has reported debts to credit bureaus without providing prior notification. Numerous individuals discovered collection accounts on their credit reports without being informed, depriving them of the opportunity to dispute the debt before it negatively impacted their credit scores. Many of these debts were also reported as unrecognized by the consumers.

If your rights were violated, you may be entitled to recourse under the following laws:

FDCPA:

• Debt collectors cannot engage in false representation or damaging actions without proper legal documentation.
• You have the right to request written notice of the debt within five days of any initial communication.

FCRA:

• Credit bureaus and data furnishers must investigate and resolve disputes about inaccurate credit reporting within 30 days.
• You have the right to dispute any unauthorized debts reflected in your credit report.

Refusal to Provide Debt Validation

Consumers frequently complain that Diversified Adjustment Service refused to validate debts or provide a proper breakdown of charges. Many have reported vague or dismissive responses when asking for proof of the debt’s legitimacy. This lack of transparency has cast doubt on the legitimacy of the debts being pursued.

If this happened to you, consider these protections:

FDCPA:

• Debt collectors must provide written validation of the debt upon request, which includes the amount, the original creditor, and supporting documentation.

FCRA:

• You may request detailed information about any accounts reported to the credit bureau, and inaccuracies must be corrected or removed from your credit report.

Failure to Address Disputes and Remove Erroneous Charges

A consistent complaint submitted by consumers involves Diversified Adjustment Service’s failure to adequately respond to disputes. Despite providing evidence to support their cases, many claim the agency did not remove incorrect charges or disputed accounts, leading to prolonged harm to their credit profiles.

Your rights under consumer protection laws include:

FDCPA:

• Debt collectors must cease collection efforts on a disputed debt until they provide adequate validation.

FCRA:

• If incorrect information is reported, the furnisher must correct or remove the entry following an investigation.

Reporting Debts Not Recognized by Consumers

Another prominent concern is the unjust reporting of debts that consumers assert they do not recognize. Several individuals suspect these debts lack proper verification and may not even be legitimate.

Consumer rights for this type of violation include:

FDCPA:

• It is illegal for debt collectors to pursue debts they know—or should reasonably know—are invalid or fraudulent.

FCRA:

• Consumers have the right to challenge and dispute unverified debts, and inaccuracies must be corrected or deleted.

Privacy Violations and Improper Handling of Sensitive Information

Some complaints highlight that Diversified Adjustment Service allegedly invaded privacy by sharing or mishandling sensitive personal information. Instances such as improper disclosure of health-related information during debt validation attempts have heightened fears about data security.

Legal protections include:

FDCPA:

• Debt collectors cannot disclose personal information to unrelated third parties, and must safeguard consumer data.

FCRA:

• Companies handling your credit information have an obligation to protect it and may face legal liability for negligent practices.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Diversified Adjustment Service, 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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