Consumer complaint received 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This matter concerns " XXXX XXXX '' and " Diversified Consultants, Inc. '' XX/XX/XXXX, I terminated my cellphone contract with XXXX XXXX XXXX and switched over to XXXX. I carried out the process at a local XXXX store, under the guidance of an inept XXXX representative who did not complete the " contract buy out '' process correctly, and misrepresented that any remaining balance would be taken care of, as well. This resulted in my owing substantial fee 's relating unsatisfied cellphone financing. 

The problem is that XXXX XXXX XXXX never reached out to me during the last ten months to inform me that I owed them money. They did not use any medium, whatsoever - neither telephone, text message, email, nor physical mail. Nothing. By chance, I decided to check my credit report because I am in the process of seeking a new apartment. Suddenly, there was a derogatory mark showing {$850.00} in collections, posted by Diversified Consultants, Inc., originating from XXXX XXXX XXXX. I called XXXX XXXX XXXX to find out about the source of this debt, as I was totally clueless. XXXX XXXX XXXX informed me that it related to the phone financing balance when I terminated my relationship. They also informed me that the account was transferred to Diversified in XXXX XXXX. I was receiving calls from a mysterious number, but whenever I answered the phone and said " hello '' multiple times - at least 6 or 7 times - no one was on the other end of the line. Therefore, I assumed that it was either a scam caller, a sales call, some sort of political canvasser, or maybe an ex-boyfriend. I honestly had no reason to know that I owed money to anyone, and due to this company 's bizarre delay in coming onto the line, I was still unable to recognize that I owed AT & T anything. 

I corresponded with the XXXX Contract Buy Out Department and they agreed to send me XXXX cards to pay the financing charges, despite the lapse in time. The headache is that Diversified told me that they will only mark the account as satisfied and will not remove the notation. XXXX XXXX XXXX also has a laissez-faire attitude about screwing up my credit. I previously had a XXXX credit score, and because of the incompetence of these totally irresponsible and unprofessional institutions, I have to bear the brunt. This is absolutely disgusting. I work so hard at being a financially responsible millennial, and the odds are, apparently, stacked against me. I can do everything right, pay everyone on time, pay them more than the minimum, and a big institution can just randomly take a dump on my reputation. Now when I apply to apartments, my candidacy will be compromised by the negligence of others. I have no problem with being held accountable for my own choices, but it is so appalling that I should be penalized over the mistake and oversight of others. 

In conclusion, I would like to know if there is anyway that I can have this notation EXPUNGED from my report after I receive my XXXX cards ( in 15 days ) and satisfy the balance. 

Thank you.

Company response to consumer: Closed with explanation