Consumer complaint received 2017-06-07
Company: Diversified Consultants, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, 2017 I disputed with Diversified Consultant, Inc. 's  reporting of a collection account, stating that I owed {$150.00} to XXXX. A digital copy of the letter is attached. <P/>XXXX advised me in tape recordings on XXXX XXXX, 2017 that I do not owe this balance and my account was paid in full. <P/>In XXXXX 2017 I noticed the DCI account still on my credit report, so I called XXXX on the phone. I was advised that my balance was {$97.00}, however they could not email me paperwork showing that balance - I would have to physically go to a XXXX store. I then went into XXXX in XXXX, CA to resolve the matter. I was informed by the representative that I had an outstanding balance of {$97.00}, NOT {$150.00} ( confirming the information given to me via phone ). I immediately paid the bill, even though the service was provided for a new tenant, as I had already moved out of the apartment for that billed service period. At this point I did n't care about losing the money, I just wanted the item off my credit report. I was informed by the manager that DCI would  no longer be reporting, as paying the account stopped further collection activity and the information would be removed from my credit report. Attached is supporting documentation indicating my account balance was {$97.00} and a copy of the receipt for payment directly to XXXX. <P/>On XXXX XXXX, 2017 I sent dispute letters to XXXX, XXXX, and XXXX disputing the information that Diversified Consultant is still reporting a {$150.00} balance. Attached is a digital copy of the letter. I sent all firms copies of my account balance stating I owed {$97.00}, not the {$150.00} DCI was reporting. I also sent all firms a copy of my receipt for payment directly to XXXX. <P/>I received a copy of my XXXX credit report ( provided by XXXX, pulled XXXX XXXX, 2017 ) indicating DCI was Paid, and  the last payment date was XXXXX 2017. This report was received as a result of the aforementioned dispute. This is absolutely false as I never paid DCI, I paid the original creditor. DCI can not report that they were paid, as no payments were processed or paid to DCI. Attached is a copy of the XXXX report received. <P/>XXXX XXXX and Diversified Consultants are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, specifically : FDCPA violations : - 15 USC 1692e ( 8 ) providing false information to credit reporting agencies FCRA violations ; - 15 U.S.C. 1681i duties of furnishers to provide accurate information.
- 15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting. <P/>Because both firms have not removed this negative information, this matter has been turned over to my attorney for review and legal action is forthcoming in federal court with additional counts as follows : - 15 U.S.C. 1681n Civil liability for willful noncompliance - 15 U.S.C. 1681o Civil liability for negligent noncompliance On XXXX XXXX, 2017 I sent a document to both Diversified Consultant and XXXX  informing them of their continued federal violations as shown on the XXXX XXXX, 2017 XXXX report. I also notified both parties that a complaint was filed with the Consumer Financial Protection Bureau. <P/>I authorize CFPD to publish this description so that others may learn from my experience and see how Diversified Consultants, Inc. and XXXX are choosing to violate federal law despite numerous attempts to reconcile the situation out of civil court.

Company response to consumer: Closed with non-monetary relief