Audit Adjustment Co. Inc.

2019-11-02

Everett, WA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-07

CA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I called the collection company, Audit & Adjusment Co , Inc and tried to arrange a payment plan, or deletion if paid in full. They flat out refused and wanted all mine and my spouses information before they would consider a reduction. They also insisted I owed several hundreds of dollars additional in interest, which I do not owe since this is medical collections, and I never signed interest documents with the original " creditor ''. They also included an additional item not reported by any credit bureaus, second line item on attached letter. I will pay what I owe not a penny more. They are extremely rude, I called in after years of financial struggles, not one call or letter from them and wanted to make things right. I made the call to them. The representative was unhelpful. I don't expect them to be overly nice, but plain ugly and rude is just unnecessary. Please help me, they won't respond to any postal letter mail nor emails and I refuse to speak to them since they are so rude and I afraid to get the same representative, as posted by XXXX and XXXX. Thank you
Company Response: Closed with explanation

Timely Response

2019-09-30

Seattle, WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: I went to apply for a mortgage and there was a collection account reporting on my XXXX credit report. I have never heard of the collection before, I never received any written notification before it reported on my credit, it just reported. This is not legal. When I reached out to the collector, they claimed it was for a medical bill that was unpaid, but I have 100 % coverage on my insurance, so it was either already paid or it was a billing error from the original creditor. The collector told me if I paid it, they would remove it from my credit, so I paid them. It's been XXXX months and the account is still reporting on my credit and increased my mortgage payment by {$350.00} per month. I've experienced actual damages from this company breaking the law.
Company Response: Closed with explanation

Timely Response

2019-05-23

Everett, WA

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Complaint: On XX/XX/19 around XXXX XXXX Pacific time, a lady called my place of work and asked for me by my full name, which is unusual in my line of worker. So my coworker asked where she was calling from and she hesitated but before saying Audit and Adjustment Company. My coworker put her on hold to let me know and we both were confused. Before I could pick up the call, the woman had hung up. I told my coworker I have no clue who that was or what that company is. My coworker decided to XXXX it and discovered it was a debt collector. This was an extreme embarrassment for me and now that info is already spreading amongst my office whispering about me.
Company Response: Closed with explanation

Timely Response

2019-04-29

Broadway, WA

False statements or representation

Debt collection: Medical debt

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2019-04-26

Federal Way, WA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Billed by medical provider XX/XX/XXXX & XX/XX/XXXX. Paid and cleared XX/XX/XXXX. received collection letter XXXX XXXX, Responded to letter XXXX XXXX, with request for validation, advisement that the debt is not my responsibility, previously paid and provided a copy of cancelled check. and requested they stop all communications. XXXX and XXXX collections continues to call XX/XX/XXXX & XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-03-13

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-10

Everett, WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I pulled all 3 of my credit reports, and my husbands reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 3 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my husband and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my husband did too, and AUDIT AND ADJUSTMENT has NOT removed these account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my husband, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Company Response: Closed with explanation

Timely Response

2019-02-10

Everett, WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 2 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my wife did too, and AUDIT AND ADJUSTMENT has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Company Response: Closed with explanation

Timely Response

2019-02-08

Bothell, WA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-02

Everett, WA

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-24

Federal Way, WA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Amount of {$430.00} was owed to XXXX XXXX XXXX. Debt has now been inflated to double. I have been asked to pay interest, per state law I know I owe. Attorney fees, late fee 's and service fees are being applied to the amount owed. My state laws states that only fees can be collected if there is a written contract between the creditor and the debtor. No such contract has ever been provided to me from Audit and Adjustments out of XXXX Washington. An itemized list is not a contract of services owed. I have asked multiple times that they report to the 3 credit bureaus, but they have refused to provide a letter to me saying that they will report to even one once the debt was paid. Amount has now been inflated to {$980.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-01

Sacramento, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-03-08

Parkland, WA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-01-11

LA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Do not owe audit and ADJUSTMENT a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-23

Puyallup, WA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-05

Boston, MA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-08-28

Everett, WA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-19

Four Corners, WA

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-10

Federal Way, WA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: submitted a dispute to Equifax directly regarding account # XXXX for Audit and Adjustment. This was a collection account that we disputed, found to be correct, and then paid the account in full. There is a XXXX balance. Remarks state that " consumer disputes this account '' and we are now trying to buy a house. The credit report can not have any accounts currently disputed when getting approved. Therefore we have disputed the account remarks and just recently called them to ask them personally to remove the " consumer disputes account '' under remarks because we no longer dispute it and we paid it in full. Audit and adjustment says they can not remove that remark under comments section.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-06-02

Four Corners, WA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-05-22

Navasota, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: My credit has been unduly affected due to an account not attributable to me. Thus I need to file a report of identity fraud. The creditor is : Audit & Adjustment Co. Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX United States Account number XXXX I have filed a police report as requested by the creditor and I am attaching it to this filing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-04-20

Navasota, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This is not an account attributable to me, someone has obviously been using my SSN to gain access to services under my name. This is not my debt and needs to be cleared from my credit files.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-04-11

Centralia, WA

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-03-09

San Antonio, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I have been trying for over a year to get this account off my credit file and I have been unsuccessful. This account is not mine and it has been removed from my credit file at XXXX of the XXXX agencies but it remains on the XXXX, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response