If you’ve spotted Consumer Adjustment Company, Inc. (CACi) on your credit report, it means they are trying to collect a debt. Here’s what that means for your credit—and how to get them removed.
Who Is Consumer Adjustment Company?
Consumer Adjustment Company, Inc., known as CACi, is a debt collection agency based in St. Louis, Missouri. They work on behalf of businesses to collect unpaid debts from consumers.
If you see CACi listed on your credit report, it typically means a creditor has sent an unpaid account to collections.
Who Does Consumer Adjustment Company Collect For?
CACi collects delinquent debts for businesses across several industries, including:
- Banks and credit unions
- Healthcare providers and hospitals
- Student loan lenders
- Utility companies
If you have unpaid bills with companies in these sectors, they may hire CACi to collect on their behalf.
Is Consumer Adjustment Company Legitimate?
Yes, Consumer Adjustment Company is a real debt collection agency. They are authorized to collect debts for their clients. However, always verify any debt they claim you owe before agreeing to pay. Errors and inaccurate reporting are common, so request proof first.
How to Remove Consumer Adjustment Company From Your Credit Report
Collection accounts can damage your credit score and remain on your credit report for up to seven years. If you want to remove CACi, here’s how:
- Dispute incorrect information: If the account contains errors or isn’t yours, file a dispute with the credit bureaus to have it removed.
- Request debt validation: You have the right to ask CACi for proof that the debt is accurate and belongs to you. If they can’t verify it, they must stop collecting.
- Negotiate a pay-for-delete: Some collection agencies will agree to remove the account if you pay. Always get the agreement in writing before sending money.
- Work with a credit repair service: Professionals can help dispute inaccurate items and challenge collections, making the process easier.
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Should You Contact or Pay Consumer Adjustment Company?
Be cautious when dealing with debt collectors. Speaking to CACi on the phone or making a payment could reset the statute of limitations on the debt, depending on your state’s laws.
If you’re unsure how to handle the situation, working with a credit repair expert is often the safest option. They help people remove millions of negative accounts from their credit reports every year, including collections from CACi.
Can Consumer Adjustment Company Sue You or Garnish Your Wages?
CACi has the legal right to take action to recover unpaid debts, which may include filing a lawsuit. If they win the case, they could garnish your wages, freeze bank accounts, or place a lien on your property, depending on your state’s laws.
Lawsuits are typically a last resort, but ignoring collection attempts can increase the risk. If you receive legal paperwork, take it seriously and consider getting legal advice.
Consumer Adjustment Company Contact Information
Here’s how to contact them:
- Address:
Consumer Adjustment Company, Inc.
12855 Tesson Ferry Rd
St. Louis, MO 63128 - Phone Number:
(800) 777-7971
Common Complaints About Consumer Adjustment Company
Like many collection agencies, CACi has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common issues include:
- Inaccurate information reported to credit bureaus
- Failure to provide debt validation
- Aggressive or harassing collection tactics
If you believe your rights are being violated, file a complaint with the CFPB or BBB.
Your Rights When Dealing With Consumer Adjustment Company
Consumers are protected by federal laws like the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws require debt collectors to treat you fairly and follow strict rules:
- CACi cannot report false or incomplete information about you.
- You can request a debt validation letter within 30 days of first contact. They must provide proof that the debt is yours and the amount is correct.
- They cannot harass you, call excessively, use abusive language, or shame you publicly.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest or jail for unpaid debts.
Understanding your rights can help you handle collection accounts with confidence.
Remove Consumer Adjustment Company From Your Credit Report Today
Dealing with collection agencies like CACi can be stressful, but you don’t have to face it alone. Credit Saint is one of the most trusted names in credit repair and has helped thousands of people challenge negative items, including collections.
They even offer a 90-day money-back guarantee, providing extra peace of mind while working to improve your credit.
Visit their website or call (855) 281-1510 to see how they can help remove negative accounts from your credit report.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
