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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.

Important 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. 

Complaints

This profile includes complaints for Consumer Adjustment Company Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Consumer Adjustment Company Inc. has 2 locations, listed below.

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    Customer Complaints Summary

    • 1,261 total complaints in the last 3 years.
    • 350 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/29/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Simple Fast Loans. I do not have a contract with Consumer Adjustment, they was provided my bankruptcy case#:2:25-bk-02482-EPB as requested.

      Business Response

      Date: 07/30/2025

      We have received your complaint and it is important to us. Consumer Adjustment Company****** (CACi) has submitted a request for expedited removal of this tradeline to the credit bureaus.

      The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.

      Customer Answer

      Date: 07/30/2025

      Better Business Bureau:

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

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

    • Initial Complaint

      Date:07/22/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      CONSUMER ADJUSTMENT CO - ******** I am filing a complaint against Consumer Adjustment Company for reporting a charge-off to the credit bureaus that is unverified and inaccurate, in violation of 12 CFR *******, which requires furnishers to ensure the accuracy and integrity of the information they provide.I previously disputed the account, and the ********************** failed to provide original documentation or proper verification of the debt. Despite this, they continue to report the account, which is damaging my credit profile and causing financial harm.I am requesting the immediate deletion of this unverifiable and inaccurate account from all credit reporting agencies and that they cease any further reporting or collection efforts regarding this account.

      Business Response

      Date: 07/24/2025

      We have received your complaint and it is important to us. Consumer Adjustment Company****** (CACi) has obtained the validation from the creditor and will send the documentation to the consumer. We have updated the three major credit bureaus (Equifax, 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

      Date:07/18/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      CONSUMER ADJUSTMENT CO - 1901****I am requesting immediate investigation and permanent removal of all inaccurate, unverified, and noncompliant items from my credit report. These errors have had a direct negative impact on my ability to obtain credit and maintain financial stability.

      Business Response

      Date: 07/21/2025

      We have received your complaint and it is important to us. Consumer Adjustment Company****** (CACi) has obtained the validation from the creditor and will send the documentation to the consumer. We have updated the three major credit bureaus (Equifax, 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

      Date:07/17/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with **********, I do not have a contract with Consumer Adjustment Company, they did not provide me with the original contract as I requested.

      Business Response

      Date: 07/18/2025

      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.

      This account was cancelled back to our client on July 1st, 2025.

      The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.

    • Initial Complaint

      Date:07/13/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Six flags magic mountain. I do not have a contract with Consumer Adjustment Company. They did not provide me with the original contract as I requested.

      Business Response

      Date: 07/14/2025

      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 Answer

      Date: 07/14/2025

      Better Business Bureau:

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

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

    • Initial Complaint

      Date:07/13/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My credit report revealed a collections account listed with this company. It shows the original creditor as *** PRIMARY CARE PHYS SW PA. However, I have no bills, statements, information, etc. regarding this account. I filed a dispute via ******** where this company responded and 'updated' the account as accurate in under 12 hours but have not provided me with any information or debt validation. At this point, I have also disputed via the provided form on their website. I do not owe this debt, this debt does not belong to me, and I am seeking either debt validation with my signature from the original creditor or deletion from my report. Additional info: I was able to locate texts that included the reference number beginning Jan 2024, but no statements or other supporting documents are available. Also, the phone number listed with CACI is not mine or anyone else I know, despite them sending computer generated texts asking for money on a debt I do not owe.

      Business Response

      Date: 07/14/2025

      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 Answer

      Date: 07/14/2025

      Better Business Bureau:

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

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

    • Initial Complaint

      Date:07/12/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with CONSUMER ******* I do not have a contract with CONSUMER ******* They did not provide me the original contract I requested.

      Business Response

      Date: 07/14/2025

      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

      Date:07/12/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with SIX FLAGS AMERICA, I do not have a contract with CONSUMER **** and they did not provide me with the original contract as I requested.Opened Date: 12/4/2022 Account Number: 1649****High Credit: $111 Correction to my credit report:I demand this account be removed from my credit report.

      Business Response

      Date: 07/15/2025

      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

      Date:07/11/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      The collector ignored my request to verify the debt in writing before reporting it.

      Business Response

      Date: 07/14/2025

      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.

      This account was cancelled back to our client on 5/29/2025.

      The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.

    • Initial Complaint

      Date:07/06/2025

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      hoping to reopen my complaint with these people becasue it was prematurely closed

      Customer Answer

      Date: 07/10/2025

      Hello,
      Im following up to clarify my complaint against Consumer Adjustment Company Inc. (CACI).
      The account in question is #********, which is listed in my FTC Identity Theft Report (#*********) as fraudulent. Ive attached the report again for reference.
      I also sent a notarized letter confirming that I personally submitted this complaint. Ive requested validation from the company and havent received proper proof.
      Please proceed with processing my complaint. Let me know if anything else is needed.
      Thank you,
      ***** *****

      Business Response

      Date: 07/14/2025

      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.

      This account was cancelled back to our client on 6/27/2025.

      The consumer may contact our office directly at ************ or email us at *********************************************************** with questions or if further assistance is needed.

    Consumer Adjustment Company Inc. is NOT a BBB Accredited Business.

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