Consumer complaint received 2018-04-25
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX hard pull on credit profile re : obtaining a mortgage and found a collection reported on XX/XX/XXXX for {$300.00} XX/XX/XXXX Contacted XXXX XXXX for Verification of Debt ; never received to date ( never received any communication prior ) XX/XX/XXXX Contacted " Diversified Consultants '' confining accuracy of my mailing address and email address ; requested documentation for Verification of Debt ; never received to date XX/XX/XXXX Contacted " Diversified Consultants '' re-requesting verification of debt ; never received XX/XX/XXXX Contacted " Diversified Consultants '' and WITHOUT verification of debt, paid the outstanding balance in full ( which they advised was {$350.00} although the credit report reflected only {$300.00} ) ; was told I would receive confirmation that the account is paid in full within 3 business days ; contact XXXX XXXX seat XXXX XX/XX/XXXX Contacted " Diversified Consultants '' alerting them I have YET to receive notification of debt OR confirmation that the account is paid in full to either my email address or mailing address ; contact XXXX XXXX seat XXXX ; very polite and was apologetic ; understood this was unacceptable and in error XX/XX/XXXX Contacted " Diversified Consultants '' again alerting them I have YET to receive notification of debt OR confirmation that the account is paid in full to either my email address or mailing address ; contact XXXX XXXX seat XXXX XX/XX/XXXX Contacted " Diversified Consultants '' again alerting them I have YET to receive notification of debt OR confirmation that the account is paid in full to either my email address or mailing address ; contact XXXX XXXX ( consumer resolution analyst ) who disconnected the call XX/XX/XXXX Contacted " Diversified Consultants '' again alerting them I have YET to receive notification of debt OR confirmation that the account is paid in full to either my email address or mailing address ; alerted them XXXX XXXX ( consumer resolution analyst ) disconnected the call and that I need to speak with a compliance manager ; contact XXXX XXXX ( sp. ) who forwarded me to XXXX XXXX in Compliance Manager XX/XX/XXXX I alerted compliance manager XXXX XXXX of the numerous violations both from XXXX XXXX AND Diversified Consultants ; he spoke with his resolution team who even though the account has been paid in full, would issue me a Letter of Deletion to have this item removed from my credit report. I requested a full refund as the account was sent from XXXX XXXX to Diversified Consultants in error, without following proper dispute procedures ; he admitted to their violations, refused to provide a refund, but assured me I would receive a letter of deletion by end of business on XX/XX/XXXX.

On XX/XX/XXXX at XXXX I received via email a letter stating my account is paid in full ( not a letter of deletion as promised by the compliance manager ).  This letter does not state the amount owed or paid, nor the date the account was paid in full. 

Being that neither companies ( XXXX XXXX & Diversified Consultants ) provided notification of debt before reporting to collections, no notification or verification of debt upon request, failure to provide verification of debt OR confirmation of payment with in 10 business days of receipt of payment, find themselves in complete violation of : 1. Fair Debt Collections Practices Act 2. Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief