Consumer Adjustment Company


Is Consumer Adjustment Company hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Consumer Adjustment Company?

Consumer Adjustment Company, Inc. (CACi) is a debt collection agency located in St. Louis, Missouri. The primary function of CACi is to facilitate the recovery of outstanding debts owed by consumers to various entities.

You might notice CACi listed on your credit report if you have unpaid bills that have been sent to collections.

Who does Consumer Adjustment Company collect for?

Consumer Adjustment Company collects delinquent debts for institutions such as banks and credit unions, a vast range of healthcare service providers, student loan lenders, utility service companies, among others.

Is Consumer Adjustment Company legit or a scam?

Consumer Adjustment Company is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Consumer Adjustment Company from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Consumer Adjustment Company, Inc. (CACi) Contact Information


Consumer Adjustment Company, Inc.
12855 Tesson Ferry Rd
St. Louis, MO 63128

Phone number: (800) 777-7971

Should I contact or pay Consumer Adjustment Company, Inc.?

It’s best to avoid speaking to a third-party collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Consumer Adjustment Company is to work with a credit repair professional. They help remove millions of negative items every year from companies like Consumer Adjustment Company on behalf of their clients.

Will Consumer Adjustment Company, Inc. sue me or garnish my wages?

Consumer Adjustment Company, Inc. (CACi), can take legal action to recover unpaid debts. This can potentially include suing you in court, and if they win, they might obtain a judgment that allows them to garnish your wages or bank accounts, or put a lien on your property. However, this is often a last resort after other collection attempts have failed, as legal action can be a time-consuming and expensive process.

Consumer Adjustment Company, Inc. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Consumer Adjustment Company, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Consumer Adjustment Company to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Consumer Adjustment Company may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Consumer Adjustment Company must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Consumer Adjustment Company cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Consumer Adjustment Company From Your Credit Report Today!

Credit Saint can assist you in disputing Consumer Adjustment Company accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.