Diversified Adjustment Service on Your Credit Report: Your Options

If Diversified Adjustment Service (DAS) has appeared on your credit report or is calling you, the debt almost certainly traces to a wireless or telecom account. T-Mobile is their most frequently cited client in recent complaints, with Verizon, Sprint, and US Cellular also confirmed. DAS may appear on your report as “div adj serv” or “diversified adj svc.”

Two things are worth knowing upfront. Multiple consumer attorney sources confirm DAS is not known for suing consumers, making the litigation risk low. And DAS is documented as resistant to early settlements, often requiring payment history on the account before negotiating.

This guide covers who DAS is, their complaint patterns, and how to respond.

Who Is Diversified Adjustment Service?

Diversified Adjustment Service, Inc. (DAS) is a third-party debt collection agency founded in 1981 and headquartered in Coon Rapids, Minnesota. The company is 100% woman-owned by CEO Kathleen Zurek, who has been inducted into the Minnesota Women-Owned Business Hall of Fame.

DAS has accumulated over 500 CFPB complaints, approximately 200 BBB complaints, and 280+ federal civil lawsuits. Despite that federal lawsuit volume, multiple consumer attorneys specifically note they have not seen DAS file lawsuits against consumers. The federal cases are lawsuits filed against DAS by consumers, not by DAS against consumers.

Why DAS Is on Your Credit Report

DAS collects for telecom and wireless carriers. Confirmed clients include:

• T-Mobile: The most frequently cited client in recent BBB and CFPB complaints. T-Mobile early termination fees, final service balances, and disputed charges are the most common account types.
• Verizon: Equipment return disputes are documented. A confirmed consumer case describes DAS pursuing a $250 charge for a modem the consumer returned with UPS proof of shipment.
• Sprint and US Cellular: Both confirmed in older consumer complaints involving early termination fees.

If you have no history with any wireless carrier and DAS is on your report, investigate immediately for identity errors or wrong-person collection.

The Equipment Return Dispute Pattern

A documented consumer complaint describes a Verizon customer who returned a modem at a UPS store, had shipping proof, was told by Verizon the return was received, and then found DAS pursuing a $250 charge for the equipment plus two months of late fees. When the consumer filed a CFPB complaint, DAS responded that the credit was valid and closed the case.

If DAS is pursuing you for telecom equipment you returned, pull all documentation before engaging: the UPS tracking number, proof of drop-off, any Verizon or T-Mobile confirmation that the return was received, and any written communication from the carrier clearing the account.

The Robocall Wrong-Person Case

In D.G. v. Diversified Adjustment Service (N.D. Illinois, 2011), a federal judge refused to dismiss a TCPA lawsuit filed on behalf of a minor child whose cell phone was robocalled by DAS while they attempted to collect a debt from someone named Chivette. DAS argued the unintended recipient of a robocall has no standing to sue. The court rejected that argument.

If DAS is calling your cell phone about a debt that belongs to someone else, document every call with date, time, and whether it was automated. Each TCPA violation can result in $500 to $1,500 in statutory damages.

The Deceased Person Debt Pattern

A documented BBB complaint describes a consumer receiving aggressive collection calls from DAS about a debt belonging to their recently deceased father, who shared the same first and last name. The consumer was not responsible for the estate debt, but DAS continued pursuit.

As covered in our AscensionPoint and DCM Services articles, surviving family members are generally not liable for a deceased person’s debts unless they are co-signers or joint account holders. If DAS is confusing you with a deceased relative, send a written cease-contact letter by certified mail and file a CFPB complaint if contact continues.

DAS Does Not Settle Easily

A documented consumer account specifically notes that DAS does not readily accept settlements and requires “activity on the account for some time” before considering one. This is a documented pattern that sets DAS apart from collectors who negotiate quickly. Settlement starting points documented by SoloSuit run at approximately 60 to 67 percent of the balance.

Factor this resistance into your timeline. If you need rapid resolution for a mortgage application or other credit-sensitive purpose, verify the debt and act early.

What DAS Cannot Do Under Federal Law

The FDCPA applies to Diversified Adjustment Service. Under federal law, they cannot:

• Robocall cell phones without prior consent: Subject of the 2011 D.G. federal case.
• Collect on equipment charges for items returned: A documented Verizon complaint pattern.
• Continue pursuing deceased persons’ debts from non-liable family members: A documented complaint pattern.
• Reinvestigate disputes and verify as accurate without proper review: A documented FCRA complaint.
• Call at odd hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.
• Threaten wage garnishment without a judgment: DAS does not sue consumers, making garnishment threats an FDCPA violation.

File complaints at consumerfinance.gov. Minnesota residents can also file with the Minnesota Department of Commerce.

Verify the Debt Before Paying Anything

Send a written debt validation request by certified mail within 30 days of first contact. Ask for the original carrier or creditor, the account number, the balance at referral, and the date of original delinquency.

For equipment disputes, specifically request the list of equipment DAS claims was not returned and compare it against your own return documentation.

How to Check Your Credit Report for DAS Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the balance correct? Is the original creditor accurately identified as T-Mobile, Verizon, or another carrier you actually used? Any inaccuracy, including equipment charges for returned items, is grounds for a dispute with each credit bureau.

How Long Can DAS Legally Pursue the Debt?

Minnesota has a 6-year statute of limitations on most consumer debts. If you no longer live in Minnesota, the relevant state is typically where you currently reside.

Your Options for Resolving a DAS Account

Once you have verified the debt, consider your options:

• Go to the original carrier first: Contact T-Mobile, Verizon, or the relevant carrier directly to verify the balance and any equipment return status.
• Negotiate a settlement: DAS is documented as resistant to early settlements. Expect to provide payment history before meaningful negotiation begins. Documented settlements run at 60 to 67 percent of the balance.
• Document equipment returns: Pull UPS tracking numbers or carrier confirmation before paying any equipment charge.
• Dispute if inaccurate: If the account involves wrong-person collection, equipment you returned, or a deceased person’s debt, dispute with the credit bureaus.

How to Contact Diversified Adjustment Service

Handle all communication in writing whenever possible:

• Address: Diversified Adjustment Service, Inc., 600 Coon Rapids Blvd NW, Coon Rapids, MN 55433
• Mailing address: PO Box 32145, Fridley, MN 55432
• Phone: (800) 279-3733

Bottom Line

DAS is a Minnesota telecom debt collector that does not sue consumers but resists early settlements. T-Mobile accounts dominate their current complaint record, and equipment return disputes are a documented pattern across Verizon and other carrier accounts.

Verify the balance with the original carrier before paying, pull all equipment return documentation, and expect settlement negotiations to require demonstrated payment activity before DAS engages seriously.