JNR Adjustment Company on Your Credit Report: What to Know

JNR Adjustment Company, Inc. has specialized in check recovery since 1971, making them one of the longer-tenured agencies in this niche. If their name appears on your credit report, the underlying account is almost certainly a returned or unpaid check rather than a credit card or loan balance.

That distinction matters because check recovery debts carry specific validation documentation requirements and often involve small balances that still affect credit reports. This guide covers who JNR is, their documented record, and what to do before paying.

Who Is JNR Adjustment Company?

JNR Adjustment Company, Inc. is a third-party debt collection agency founded in 1971 and incorporated in 1992, headquartered in Plymouth, Minnesota. They also maintain a Florida office. JNR is a member of ACA International, the trade association for the collection industry.

JNR operates under several names that may appear on credit reports or caller ID: JNR Collection Adjustment Company, JNR Collection Agency, and Resource Management Systems. If you see any of these names on your report, they refer to the same Plymouth, Minnesota company.

The BBB has recorded 3 closed complaints in a three-year period. The CFPB closed 13 complaints as of early 2015. Three federal civil cases appear in Justia records.

What JNR Collects and Why It Matters

JNR specializes in check recovery for businesses that process high volumes of checks. Confirmed client categories include retailers, airlines, restaurants, and fast-food chains. If JNR is contacting you, the account almost certainly involves a returned check written to one of those business types.

Returned check collection operates differently from standard consumer debt collection. The original instrument, the check itself, is the primary evidence of the debt. When requesting validation, ask for a copy of the original check, the name of the business it was written to, the check date, and the amount.

If you do not recognize the business named as the original payee, dispute the account immediately in writing.

Documented Complaint Patterns

The CFPB and BBB complaint records for JNR include two consistent patterns: attempting to collect debts consumers say they do not owe, and using false or misleading language during collection. Both are FDCPA violations under Sections 1692e and 1692f.

For check recovery specifically, a common dispute arises when a check is returned due to a bank error rather than insufficient funds, or when the check was written by someone other than the account holder. JNR’s documented “debt not owed” complaint pattern suggests their records do not always distinguish between these scenarios before collection begins.

Multiple Names on Credit Reports and Caller ID

JNR operates under at least four names: JNR Adjustment Company, JNR Collection Adjustment Company, JNR Collection Agency, and Resource Management Systems. If you received a call from Resource Management Systems or see that name on your report, confirm whether the Plymouth, Minnesota address matches before assuming it is a separate company.

Any of these names appearing on a credit bureau entry is the same underlying account. Disputes should reference all name variants to ensure the bureau searches correctly.

What JNR Cannot Do Under Federal Law

Based on their documented complaint patterns:

• Collect debts not owed: The most common CFPB complaint category against JNR. For check recovery, this includes collecting on returned checks caused by bank errors or written by someone other than the person being contacted.
• Use false or misleading language: The second documented CFPB complaint pattern. Any misrepresentation about the amount owed, the nature of the debt, or the legal consequences of nonpayment violates FDCPA Section 1692e.
• Call before 8 a.m. or after 9 p.m.: Standard FDCPA restriction that applies regardless of complaint volume.
• Report inaccurate information to credit bureaus: The FCRA requires accurate reporting. If the check was not written by you or the amount does not match the original instrument, the entry is disputable.

Minnesota residents can also file complaints with the Minnesota Department of Commerce, which licenses collection agencies operating in the state.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. For check recovery accounts, specifically request a copy of the original returned check, the name of the business the check was written to, the check date, and the face amount. Also request documentation of any fees added beyond the original check amount.

Many states cap the fees a check recovery agency can charge on top of a returned check. Confirm your state’s limit before paying any amount beyond the face value of the original check.

How to Check Your Credit Report for JNR Entries

Search all three credit reports for all four name variants: JNR Adjustment Company, JNR Collection Adjustment Company, JNR Collection Agency, and Resource Management Systems. Confirm the original creditor is identified, the balance matches the original check amount plus any documented fees, and the account date aligns with when the check was written.

How Long Can JNR Legally Pursue the Debt?

Minnesota, where JNR is headquartered, has a 6-year statute of limitations on written contracts. The relevant statute is typically the state where you reside. Returned check claims may also be subject to your state’s specific bad check statute, which can differ from the general contract limitation.

Your Options for Resolving a JNR Account

• Request a copy of the original check before paying anything: JNR’s documented “debt not owed” complaints often involve check recovery accounts the consumer does not recognize. The check itself is the primary validation document.
• Confirm any fees are legally permitted in your state: Returned check fees vary by state law. JNR cannot charge more than what your state’s bad check statute permits.
• Dispute name confusion immediately: If Resource Management Systems appears on your report and you do not know who that is, pull the full account details before assuming it is fraudulent. It may be a JNR account under an alternate name.
• File a CFPB complaint if JNR cannot validate the debt: Thirteen CFPB complaints with a small client volume means JNR’s validation practices are worth scrutinizing. A failure to provide the original check documentation supports a bureau dispute.

How to Contact JNR Adjustment Company

• Mailing address: JNR Adjustment Company, Inc., P.O. Box 27070, Minneapolis, MN 55427
• Office address: 3300 Fernbrook Lane North, Suite 225, Plymouth, MN 55447
• Phone: (800) 279-2567

Bottom Line

JNR Adjustment Company is a check recovery specialist with a smaller complaint footprint than most collection agencies. Their most documented issue is pursuing debts consumers say they do not owe, which in a check recovery context often means the original returned check record does not match who is being contacted.

Request a copy of the original check before paying or acknowledging anything. If the business named as the original payee is not one you recognize, dispute the account with all three bureaus and file a CFPB complaint if JNR cannot produce the original instrument.