How to Remove Consumer Adjustment Company From Your Credit Report

Is Consumer Adjustment Company hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is Consumer Adjustment Company?

Consumer Adjustment Company, Inc. (CACi) is a debt collection agency located in St. Louis, Missouri.

You may see CACi listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does Consumer Adjustment Company collect for?

Consumer Adjustment Company collects delinquent debts for banks and credit unions, healthcare service providers, student loan lenders, utility service companies, and others.

Is Consumer Adjustment Company legit or a scam?

Consumer Adjustment Company is a legitimate company. However, they may repeatedly spam call, text, or email you.

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.

(Debt collectors may prefer that we don’t mention this, but you have the right to know.)

Lexington Law is a professional credit repair company that works with people who want to fix their credit.

In addition to collections, Lexington Law can work with 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.

Call Lexington Law now to learn more: (800) 220-0084

Consumer Adjustment Company, Inc. (CACi) Contact Information

Address:

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. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

And they may be able to help you too.

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

It’s possible that CACi will resort to litigation when attempting to collect a debt, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Consumer Adjustment Company again.

Call Lexington Law to learn how they can help you.

Wage Garnishment

Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Consumer Adjustment Company, Inc. to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.

Is Consumer Adjustment Company hurting my credit score?

Any derogatory item on your credit report, including a collections account, may harm your credit score.

Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.

If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.

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). Lexington Law knows that you have rights, and Consumer Adjustment Company, Inc. does too.

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 Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 on your credit report.
  • 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!

Lexington Law can assist you in disputing Consumer Adjustment Company accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.

If you’re looking for a reputable company to assist you with collection accounts and repair your credit, consider working with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.