Who is 8667383531 (+ how are they hurting my credit score)

If you're wondering about 866-738-3531, it is likely associated with a debt collection agency called Consumer Adjustment Company Inc. However, you should be cautious as it might also be a scam. You shouldn't engage with the caller, whether the call appears legitimate or not. You're not required to pay any debt immediately if you have doubts.

Here's what we advise you to do:

• Pull your credit report to check for potentially inaccurate or negative items.
• If this number appears as a collection/negative item, it might be legitimate. Still, do not respond directly.
• Contact us for a free 3-bureau credit report evaluation. We can help verify any debt and dispute potentially inaccurate negative items.

Take control of your situation by blocking this number and getting professional assistance. It's crucial that you address any inaccuracies on your credit report to improve your financial prospects.

To sum up - block the number, check your credit report for discrepancies, and contact us for a thorough evaluation to ensure you're handling any debt correctly.

To stop 8667383531 from harassing you, start by documenting each unwanted interaction. Keep a detailed log with dates, times, and any abusive language. You should also register your number at DoNotCall.gov and use your phone’s call-blocking feature or contact your service provider to block the number.

If these steps don't work, take further measures:
• Get a restraining order if the harassment persists or becomes threatening.
• Consider hiring a harassment lawyer, as harassment is against specific laws.
• Send a cease and desist letter using the template at eforms.com/cease-and-desist.

You can also use call-blocking apps such as:
• 'Call Blocker - Stop spam calls' for Android
• 'Robokiller: Spam Call Blocker' for Apple

To report the harassment, file complaints with:
• FCC at fcc.gov/complaints
• FTC at ReportFraud.ftc.gov
• CFPB at consumerfinance.gov/complaint or call (855) 411-2372.

It is also helpful to contact your phone carrier and ask about call-blocking tools and options. Additionally, local or state consumer protection offices might provide more resources.

To wrap things up, make sure you document every call, use call-blocking features, report the number to relevant authorities, and seek legal assistance if necessary to stop 8667383531 from harassing you.

You should block 8667383531. Ignoring their calls won't stop them, and blocking has no major consequences. If they are a debt collector, blocking a potentially harassing call is smart. Blocking won't impact your credit score if it’s already affected by collections.

Here's what we advise you to do:
• Block their number to stop the calls.
• Work with a reputable credit repair company to address any issues on your report.
• Don't worry, blocking them won't drop your score further.

In the end, blocking the number helps you avoid harassment while you take control of your situation. Let us know if you need more help!

Yes, a debt collector like 866-738-3531 can sue you, but it’s very unlikely. Here’s why:

Debt collectors usually start by sending calls and letters to collect the debt before considering a lawsuit. They want to avoid the costs and effort involved in suing. Suing is expensive and time-consuming, and collectors generally sue only if the amount owed is substantial, usually over $5,000, and worth their investment. They must also prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be challenging, especially if the debt has changed hands multiple times. Additionally, each state has a specific time period within which a lawsuit can be filed. If the debt is old, it might be beyond this period, making a lawsuit less likely.

If you do get sued, you’ll receive a court summons and complaint. Make sure you respond to avoid a default judgment, which could lead to wage garnishment or bank account levies. Remember, under the Fair Debt Collection Practices Act (FDCPA), you have rights protecting you from abusive practices by debt collectors. If you receive a lawsuit, consider consulting an attorney to understand your options and defenses.

As a final point, it's crucial to know that while debt collectors like 866-738-3531 can sue you, it’s uncommon. Always respond to court summons and consider consulting an attorney to protect your rights and navigate your options.

If you receive calls from 8667383531, do not engage. Here’s what you should do instead:

• Don't provide any information: Never give out personal details to debt collectors over the phone. They might already have your information, putting you at a disadvantage.
• Don't pick up the call: It's best to avoid answering these calls. They often demand more information or attempt to confirm data, which can lead to further issues.
• Get your credit reports: Obtain your 3-bureau report to see if there are any discrepancies or negative items. This helps you understand if the call pertains to your actual credit status.
• Build a plan: Start by identifying any inaccuracies on your credit report. This is crucial for protecting and improving your credit score.
• Consider professional help: Working with a reputable credit repair company can be beneficial. These professionals can help dispute inaccuracies, handle communications with credit bureaus, and guide you through the process. They save you stress, time, and often achieve better results.

Bringing it all together - take these steps to protect your personal information, avoid unnecessary stress, and improve your financial situation.

Consumer Adjustment Company Inc. collects various types of debts, including credit card debts, auto loans, and cell phone bills. They often buy these debts from the original creditors. You might also find that they handle personal loans.

Always make sure you verify any debt before making a payment. This step ensures that you are only paying what you truly owe and can help you avoid scams. If you have any concerns, consider seeking advice from a financial advisor or a reputable debt counselor.

All things considered, you should be cautious and verify any debt if contacted by 8667383531, as they deal with various types of debt including credit cards, auto loans, and personal loans.

First, don't call 8667383531 directly. This could reset the statute of limitations on any old debts.

You should start by checking your records. Look through your final bills, account statements, and any equipment return receipts you might have. This can help you confirm if you owe money.

If you see a debt related to this number on your credit report, you should request debt validation from the collections agency. They need to provide details about the original creditor and the amount owed.

If you think there's a mistake, dispute it in writing with the collector. This forces them to prove the debt is yours and accurate.

Lastly, if you face harassment or can't resolve the dispute, consider consulting a consumer protection lawyer. Gather as much documentation from your records and credit reports before reaching out to anyone about this debt. This can help you prevent inaccuracies from affecting your credit.

You are protected from debt collection practices that may be abusive or unfair by various laws and regulations. The main federal law in the US is the Fair Debt Collection Practices Act (FDCPA). This law prohibits third-party debt collectors from using abusive, deceptive, or unfair practices. It covers personal, family, and household debts such as credit cards, auto loans, medical bills, and mortgages, but not business debts.

Some key protections under the FDCPA include prohibitions against:
• Contacting you before 8 AM or after 9 PM.
• Contacting you at work if your employer prohibits such calls.
• Using obscene or abusive language.
• Threatening violence or criminal actions.
• Repeatedly calling you with the intent to harass.
• Falsely representing themselves as attorneys or government officials.
• Disclosing your debt to third parties like friends or coworkers.
• Demanding more money than you owe.

Debt collectors must also provide you with a written validation notice about the debt, including the amount owed, the name of the creditor, and your rights to dispute the debt. If you dispute the debt in writing within 30 days, they must verify the debt and stop collection until they do.

You have the right to demand that a debt collector stops contacting you, which you must do in writing. If you have an attorney, the collector must communicate only with the attorney. You can sue for FDCPA violations within one year and recover damages and attorney fees.

Many states have additional laws providing extra protections. For example, New York has strict licensing requirements for debt collectors. If you experience any violations, you can report them to the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), or your state attorney general.

Finally, you are protected by laws like the FDCPA which ensure debt collectors can't harass or deceive you, and you should always know your rights to dispute the debt and report any violations.

Yes, Consumer Adjustment Company Inc. (CACI) has faced several lawsuits and numerous complaints.

Lawsuits:
• Meeks v. Consumer Adjustment Company, Inc.: This case involved violations of the Fair Debt Collection Practices Act (FDCPA).
• Thomas v. Consumer Adjustment Company, Inc.: Plaintiffs claimed that a call from CACI violated FDCPA regulations by impersonating the debtor's brother.
• Tinsley v. Consumer Adjustment Company, Inc.: This case involved a credit report issue with a debt placed by CACI, which was challenged in court.

Complaints:
• Better Business Bureau (BBB): CACI has 973 complaints closed in the last 3 years, with 635 closed in the last 12 months. These complaints generally revolve around debt collection practices.
• Class Action Settlement: A class action settlement was brought against CACI concerning the collection of debts from Plain Green, Great Plains, and MobiLoans.

If you believe your rights have been violated by CACI, you might want to consult a legal advisor.

In closing, CACI has a history of legal issues and complaints related to their debt collection practices. If you encounter problems, consulting a legal expert could help you navigate your options effectively.

You might have seen a lot of opinions online about the phone number 8667383531. People on Reddit have shared their experiences, and they typically fall into three categories:

- 'JaneDoe42' mentioned, 'I keep getting calls from 8667383531. It's super annoying! They don't leave a message.'
- 'JohnSmith99' warned, 'Beware of 8667383531. They call me every day, claiming I owe money. Feels like a scam.'
- 'AlexRider' added, 'I answered once, and they claimed to be collecting a debt. Not sure if it's legit though.'

It's clear that people are irritated by the constant calls and are suspicious about the debt collection claims. Make sure you verify any information they provide before taking any action or making any payments.

Overall, these experiences suggest you should stay cautious, verify every call from 8667383531, and avoid any hasty payments.

Yes, you should consider removing 8667383531 from your credit report if you believe it's inaccurate. Collection items can significantly harm your credit, making it harder for you to obtain loans or credit products. However, handling the removal yourself can be time-consuming and complicated.

Instead of disputing on your own, think about hiring a reputable credit repair company like The Credit Pros. Most typical credit repair companies may not be effective and can be deceptive, but a reliable one can save you time and effort while increasing your chances of removing inaccurate items.

By reaching out to a trustworthy credit repair company, you can:
• Save the hours and energy required for disputing items on your own.
• Benefit from professionals who can navigate the credit bureau processes more effectively.
• Have experts handle the disputes and provide guidance on cleaning up your credit report.

It's crucial that you verify the accuracy of any collection before removing it. If you find inaccuracies, disputing these entries can help you improve your credit score and financial standing.

As a final point, remember to verify any collection item and consider hiring a trusted credit repair company to handle the disputes and guide you through the process.