Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OR)

People from this company have been calling me regularly about a false debt. I have had this happen in the past, and it is always the same routine : this company or another like it contacts me about a cellular debt which does not belong to me. Often, I have never even had a line with the company in question and in the rare case I have had a line with the company it has been a decade or more previously and far outside the window of information the debt collector supposes to have valid claim. In the instance of this company 's recent harassment of me, as I have told their belligerent and awful representatives, the debt is false as usual. However, it has been extremely hard to make my claim when speaking with this company 's representatives because they literally scream at me the moment I begin to explain my understanding of my rights as a consumer. They then scream and use rapid and abusive speech to try to prevent me from asserting my rights and explaining the debt is not mine. They try to intimidate and wear a person out by screaming angrily and making false claims about the debt and what they will do and what they have done. The last phone call where I spoke with one of the abusive representatives, I held my ground through the abuse and made clear I do not want any further phone calls, there is no debt, and they should send me paperwork. ( This phone call was at the beginning of XX/XX/XXXX. ) Here are the issues : 1. The debt is false. I do not have the debt the company representative says they are trying to collect from me. 

2. I have told the collectors the debt does not belong to me and I have told them to stop calling me.

3. The representatives continue to call me ( including today : XX/XX/XXXX ), even though I have told them to stop.

4. I asked the representatives to send me paperwork supporting their false assertion. The representatives claim they have sent me paperwork.

5. I have never received any paperwork from this company about this debt in my life.

6. Debt collectors may not lie or use any false or misleading statements when collecting a debt. Examples of what they can not lie or mislead about include : forms or letters sent to you ; how much you owe ; or that you have broken the law. Therefore, telling me your company has sent " forms or letters '' when you have not is legally actionable on my part. Additionally, because the debt is not mine, quoting an amount that I owe when there is no debt owed, is another violation which I can act upon. 

7. Debt collectors can not make threats or use intimidation tactics to get you to pay a debt. The representative screamed at me in our last conversation and belligerently interrupted me every time I spoke to try to intimidate me into acquiescing to the company 's fraudulent demands. I believe in addition to attempting to intimidate me by screaming relentlessly, the representative was trying to prevent me from stating my lawful rights. 

I have contacted the company via a mail form on their website. I sent them a complaint through a contact form and I used the request to stop phone calls form as well. 

Because they have not respected my wishes and discontinued their harassment, and because they have not provided any proof that this debt belongs to me, and because their representatives have lied about sending me proof in the mail, and because their representatives have belligerently harassed me, I have now begun all legal proceedings at my disposal.