Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diverse Funding Associates LLC
State: MI

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Our original creditor. XXXX XXXX XXXX, amount : {$25000.00} RE : Formal Dispute of Alleged Debt and Demand for Validation under FDCPA, FCRA, and Michigan Law To Whom It May Concern, This letter is a formal dispute of the alleged debt your agency claims I owe and serves as a demand for full validation under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Michigan consumer protection statutes.

1. Request for Complete Debt Validation ( FDCPA 809 ) Under 15 U.S.C. 1692g, I hereby demand the following : The name and address of the original creditor A complete itemized breakdown of the alleged amount A copy of any signed contract or agreement bearing my signature Chain of assignment showing your legal right to collect Details on how you obtained my personal information You are legally required to provide these within 30 days of receiving this notice. 

XXXX. Regarding Licensure in Michigan I acknowledge that Michigan does not currently require a state-issued license to operate as a debt collection agency. However, this does not exempt your agency from complying with : The Fair Debt Collection Practices Act ( FDCPA ) The Fair Credit Reporting Act ( FCRA ) Michigans Regulation of Collection Practices Act ( MCL 445.251 et seq. ) You remain fully obligated to act in accordance with all relevant federal and state consumer protection statutes when contacting or attempting to collect from Michigan residents.

3. Dispute Due to National Data Breaches This dispute also stems from concerns over data integrity due to the following major credit bureau breaches : XXXX XXXX XXXXXXXX ) : XXXX XXXX consumers exposed XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX breach and unsecured XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX  affecting data security These events call into question the reliability and legality of any data obtained from these bureaus, in violation of : FCRA 1681e ( b ) Reasonable procedures to ensure accuracy FCRA 609 ( a ) Right to full disclosure of the sources of information used 4. Incorrect Personal Information ( FCRA 1681i, 1681e ( b ) ) You are currently reporting or relying on inaccurate personal address and identity information. As required by federal law, you must : Cease using incorrect or unverifiable data Investigate and correct or delete erroneous personal information Provide evidence of how this information was obtained and verified XXXX. No Proof of Contract or Consent To date, I have not received any documentation proving I have ever entered into a contract or agreement with your agency or the alleged original creditor. Under : FDCPA 809 FCRA 609 ( a ) ( 1 ) I demand proof of my legal obligation and your right to collect. Failure to provide such documentation is a violation of federal law and requires immediate cessation of all collection activity.

6. Legal Summary of My Rights Law Citation FDCPA 15 U.S.C. 1692g, 1692e FCRA 15 U.S.C. 1681e ( b ), 1681i, 1681s Michigan Collection Act MCL 445.251 et seq.

Michigan Licensing ( Not Required ) Verified via LARA ( State of Michigan ) Data Breach Protections FTC, CFPB guidance & class action rulings 7. Cease and Desist Until Validation Until you fully validate the alleged debt and correct any reporting or information discrepancies, you must : Cease all collection contact Cease all reporting to any credit bureau Provide a complete written response including all requested documents 8. Remedy and Resolution Demand To resolve this matter without escalation, I am demanding the following remedy : Immediate cessation of all collection efforts and communication unless valid documentation is provided.

Complete removal of this account from all consumer reporting agencies, if it can not be validated under federal law.

A formal written apology or retraction of any adverse action taken based on unverifiable or inaccurate data.

Confirmation that no further attempts to collect or sell this debt will occur unless lawful and verified.

Assurance that no third parties will be contacted regarding this matter.

Compensation for any damages caused if your agency fails to comply with the laws cited above.

If these conditions are not met within 30 calendar days, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Michigan Attorney Generals Office, and to pursue legal remedies for statutory damages and any harm caused. 

Sincerely, XXXX XXXX Enclosures : Copy of valid photo ID Proof of current address Credit report highlights ( if applicable )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation