Who Is Consumer Adjustment? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Consumer Adjustment
- Address to send a debt validation letter
- Consumer Adjustment Company, Inc. 500 Northwest Plaza Dr Ste 300 Saint Ann, MO 63074-2218
- Phone
- 1-800-777-7971
- Official website
- https://cacionline.net
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Consumer Adjustment Company, Inc. (CACi) is a Missouri-based collection agency, in business since 1967, that recovers past-due consumer accounts — including government-loan and healthcare-related debt — on behalf of creditors nationwide. CACi has drawn consumer complaints alleging it used false or misleading information while collecting, or pursued debts consumers didn’t actually owe, so if CACi is contacting you, send a debt validation letter in writing to confirm the debt before paying anything, and check that any account it reports to your credit file is marked accurately if you’ve disputed it — see credit report dispute.
If this is the first time CACi has reached out, see what to do the first time a collector contacts you. Being contacted doesn’t necessarily mean a lawsuit is coming, but collectors can and do sue over unpaid balances — check how long they can legally wait to sue in your state.
Questions & Answers
Is Consumer Adjustment a legitimate debt collector?
Consumer Adjustment shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Consumer Adjustment from calling me?
Under the FDCPA, you can send Consumer Adjustment a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Consumer Adjustment?
Send a written debt validation request to Consumer Adjustment's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Consumer Adjustment on my credit report?
If Consumer Adjustment is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team