Diversified Consultants is a Debt Collector who buys debts. Allegedly, XXXX XXXX XXXX sold them an account with my name for old services I use to have through XXXX XXXX XXXX. The account, XXXX, was early terminated by myself for lack of services and breach of agreement with XXXX XXXX XXXX. So, I paid XXXX XXXX XXXX directly, a copy of that payment is included in this complaint. THis payment was not a settlement, was nothing short of paid in full for early termination of services, home security services to be exact. I disputed the first letter I received from Diversified because they had the account labeled as a " wireless '' account from XXXX XXXX XXXX. My " wireless '' account from XXXX XXXX XXXX is my cellphones, which are direct debited monthly from my company XXXX card. When I spoke to XXXX XXXX XXXX about my wireless account, the representative verified that my " wireless '' account has never been late and always paid on time by the auto debit to my credit card. Diversified NEVER responded to my dispute, simply moved forward with " verifying '' the debt and posting it to my credit report. XXXX XXXX XXXX claimed they never sold a debt to Diversified for my " wireless '' account. XXXX XXXX XXXX verified payment over the phone for the paid in full early termination fees on the home security services. Diversified, and possibly XXXX XXXX XXXX, violated my FCRA and FDCPA rights and their laws in XXXX ways. First, there was no true or verifiable PROOF of Diversified Consultants " Verification of debt '' as requested by myself. After that violation, they moved forward with reporting to the CRA 's and damaging my credit. XXXX XXXX XXXX representatives were just as confused by the labeling of the account as " wireless ''. Not until I spoke to a manager, AFTER writing to Diversified about the mistake and the dispute, that a manager said the home security services are labeled " wireless ''. The manager apologized for the confusion, however, that confusion led to this mess. Again, XXXX XXXX XXXX 's irresponsibility and negligence have cost me time and money and stress.