Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC
State: HI

Complaint narrative:
Date : XXXX XXXX XXXX Re : Formal Notice of Dispute, Demand for Validation, and Immediate Deletion To Whom It May Concern, I am writing to formally dispute your alleged claim that I owe the above-referenced account. I dispute this debt in its entirety. This letter serves as my formal request for complete validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and my notice that any inaccurate reporting to any consumer reporting agency violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The original creditor has already admitted in writing that the alleged account was sold to another entity in XXXX and that it is no longer the creditor. If your company claims ownership today, then you bear the full burden of proving that you possess the legal right to collect this alleged obligation. 

Ownership of an alleged debt can not be presumed through account statements or computer-generated records. Statements merely reflect alleged activity ; they do not establish legal ownership, assignment, standing, or my contractual obligation to your company. 

Accordingly, provide competent admissible evidence establishing your legal authority to collect, including : The complete chain of title from the original creditor through every purchaser, assignee, and debt buyer to your company. 
Every purchase and sale agreement applicable to this specific account. 
Bills of Sale identifying my specific account by name and account number. 
Assignment agreements executed by authorized representatives. 
Proof that value was exchanged for this account. 
The complete original signed credit agreement bearing my signature. 
Proof that the alleged debt has not been previously settled, discharged, canceled, forgiven, or otherwise extinguished.

Documentation establishing that the balance you claim is accurate, including a complete accounting of all fees, interest, payments, credits, and adjustments.

Documentation demonstrating that you possess legal standing to enforce this alleged obligation in court.

Documentation proving your authority to report this account to consumer reporting agencies.

Please be advised that under the Fair Debt Collection Practices Act, you must cease collection activity until proper validation has been provided.

Furthermore, under the Fair Credit Reporting Act : 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation before verifying disputed information. 
15 U.S.C. 1681e ( b ) requires maximum possible accuracy.

15 U.S.C. 1681i requires reinvestigation of disputed information.

Reporting information that can not be verified constitutes inaccurate reporting. 
Verifying information without competent evidence is neither reasonable nor lawful. 

If your company has reported this account to Equifax, Experian, or TransUnion without possessing competent evidence establishing ownership and collectability, such reporting is inaccurate and misleading. 

Additionally, if this alleged debt has been sold multiple times, you must establish an uninterrupted chain of assignments from the original creditor to every subsequent purchaser. Failure to produce a complete chain of title means you can not establish standing or ownership. 

Please consider this letter notice that any continued reporting, collection activity, or verification without competent documentary evidence may constitute violations of : Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f, and 1692g ) Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ) ) Should your company continue reporting or collecting this disputed account without first producing competent legal evidence establishing ownership and standing, I reserve all rights to pursue every remedy available under federal and applicable state law, including filing complaints with the Consumer Financial Protection Bureau XXXX Federal Trade Commission , my State Attorney General, and seeking statutory damages, actual damages, attorney 's fees, and all other relief available by law. 

Nothing in this correspondence constitutes an acknowledgment of liability, an admission that any debt exists, or a promise to pay. I expressly reserve all rights.

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