Consumer complaint received 2016-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
I SUBMITTED A COMPLAINT IN XXXX TO CFPB IN REGARDS TO A XXXX COLLECTION ACCOUNT THAT POPPED UP ON MY CREDIT REPORTS IN XXXX XXXX IN THE AMOUNT OF XXXX THAT WAS WAS OWNED BY XXXX AT THE TIME CASE NUMBER XXXX. XXXX REMOVED THE ACCOUNT BECAUSE THEY COULDNT VALIDATE THE ACCOUNT AND ONLY PROVIDE ME WITH INVOICES/ BILLING STATEMENTS FOR THE ACCOUNT. NOW IT HAS POPPED UP AGAIN AND NOW THE DEBT IS BEING PURSUED BY DIVERSIFIED CONSULTANTS INC . I ASKED THEM ON XXXX TO VERIFY AND VALIDATE THE ACCOUNT. THEY DID THE SAME THING XXXX DID AND THATS PROVIDE ME WITH A BILLING STATEMENT FROM XXXX.ALSO THEY FAILED TO NOTIFY ME IN WRITING OF SAID DEBT PRIOR TO PLACING DEBT ON MY TRADE LINES ALLOWING ME AN OPPORTUNITY TO DISPUTE THE DEBT. I REQUESTED THE FOLLOWING INFORMATION AND THEY FAILED TO PROVIDE IT. 
( 1 ) A copy of the of the charges and the dates they were processed ( 2 ) a copy of the terms and conditions of the contract ( 3 ) Documents showing when this account was opened and closed and the balance owed when the account was closed ( 4 ) A debt validation including all of the requested information DIVERSIFIED JUST AS XXXX HAS FAILED TO VALIDATE DEBT. BELOW IS A COPY OF THE LETTER RECIEVED FROM XXXX. 

XXXX XXXX XXXX said : Explanation of closure XXXX XXXX, XXXX Re : XXXX XXXX XXXX Case Number : XXXX XXXX Reference # : XXXX Dear Consumer Financial Protection Bureau : This is in response to the complaint received from XXXX XXXX XXXX. 

A delinquent account in the original amount of {$1600.00} was placed with our office for collection on XXXX XXXX, XXXX by our client XXXX to service the delinquent portion owed. 

On XXXX XXXX, XXXX, our agency sent an initial letter notifying XXXX XXXX of the account placement in our office to the address on file. Said letter also informs XXXX XXXX how to dispute the validity of the debt, or any portion thereof. 

On XXXX XXXX, XXXX, our agency received a dispute forwarded to our office by the credit reporting agencies. At that time XXXX XXXX 's account was updated as a disputed item and placed in an investigatory status to prevent further collection efforts from occurring. Additionally, the item was updated accurately as disputed with the credit reporting agencies. 

In response to inquiries forwarded to our office by the credit reporting agencies, our office performed validations related to the information reported by our agency regarding XXXX XXXX 's account. We have confirmed that XXXX XXXX 's account was updated to the national credit reporting agencies accurately. 

On XXXX XXXX, XXXX, our office received correspondence from XXXX XXXX stating he was not disputing the debt, but was requesting validation of the debt be provided to him within 30 days. Per his request, our agency requested related documentation materials associated with the account from XXXX. Said materials was forwarded to XXXX XXXX 's address on file on XXXX XXXX, XXXX. We apologize if XXXX XXXX feels that we have not adequately validated his account, but the items provided to us by our client for this purpose are beyond our control. 

In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX works diligently to treat all customers with the utmost professionalism and respect. If further assistance is needed with the complaint involving our office, please contact our agency directly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Ext : XXXX

Company response to consumer: Closed with explanation