Diversified Consultants, Inc

2019-07-31

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-30

Columbus, OH

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-07-30

Arlington, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/2019 Re : Acct # XXXX To Whom It May Concern : I AM RESPONDING TO A COLLECTIONS ACCOUNT ON MY 3 CREDIT REPORTS. This letter is regarding a negative inaccurate account which you claim I owe your company $ {$200.00}. I have never entered into any payment obligation with DIVERSIFIED CONSULTANT. The negative remark is not coming from XXXX XXXX, but from your company. I also have no contractual obligation to XXXX either. This is a formal notice that your erroneous claim IS now disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please provide me with the following : 1. PROOF OF PAYMENT AGREEMENT I MADE WITH YOU DIVERSIFIED CONSULTAN NOT XXXX XXXX, which I have no knowledge of anyways. I want a wet ink signature between myself and your company proving I owe YOU this or any debt you have in my name. 2. What the money you say I owe is for? 3. Explain and show me how you calculated what you say I owe? 4. Provide me with copies of any papers that show I agreed to pay what you say I owe : 5. Provide a verification or copy of any judgment if applicable : 6. Identify the original creditor : 7. Prove the statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with you license numbers and Registered Agent 10. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you 11. Provide Me The names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof TO ME. 12. Provide the documented proof that you ever gave me notice of the charge off per FCRA LAW 623 ( A ) ( 4 ), 13. Provide the actual charge off date and as stated you must in FCRA LAW 623 ( A ) ( 5 ) A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action 14. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature? Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My Contact Info is as follows : XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-30

Cotati, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-07-30

Cypress, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-07-29

Fresno, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-07-29

Indianapolis, IN

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-07-29

Cheverly, MD

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Diversified Consultants Placed item on my account in reference to XXXX. This account is not mines. Submitted documents to XXXX XXXX department and received no feedback. Requesting total removal from all three credit bureaus.
Company Response: Closed with explanation

Timely Response

2019-07-29

Mabank, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This is an identity-fraud case. I have told them I didn't subscribe to XXXX-XXXX they continue to send me a collections letter.
Company Response: Closed with explanation

Timely Response

2019-07-28

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I previously disputed this alleged debt with collection agency and CFPB, Claim # XXXX, and the collection agency agreed to delete negative reporting. XXXX XXXX XXXX is again attempting collection activity without proper verification, or any new documents verifying I am the debtor.
Company Response: Closed with explanation

Timely Response

2019-07-28

Ehrhardt, SC

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XX/XX/XXXX I received a statement from XXXX that I owed a debt of {$150.00}. Returned a call from XXXX XXXX explained how I paid my final bill in the XXXX XXXX XXXX last monthly payment of XXXX at the store XXXX XXXX, Sc on XX/XX/XXXX statement date XX/XX/XXXX. My daughter was putting me on her family plan. I HAD TO PAY THE ENTIRE BALANCE IN OR TO CLOSE MY ACCT AND TO BE PLACED ON A FAMILY PLAN, WHICH LOWERED MY UPCOMING COST. XXXX SAID get a bank statement did, and sent it to a different letter to Her copies of statement and dispute letter .i did. XX/XX/XXXX I called at & t see if it was off my bill. They did not see I owed I thought it was done taken care of w dispute letter. XXXX/XXXX I got a call saying it was still in collections w now DCI. I sent another note on the XXXX paper and told to send to DCI.com and I did,! along again w statement. I have not received an email call or text saying it was received, I chked my XXXX and it is still there that I have NOT tried to take care of it. I paid my debt at the XXXX XXXX w bank bank stmt XX/XX/XXXX. I do NOT owe them any more money.all my bills I pay. XXXX XXXX Please help me. Thank you. .
Company Response: Closed with explanation

Timely Response

2019-07-26

Tampa, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-07-26

Chicago, IL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2019 diversified consultants started reporting information on my XXXX credit report which I knew anything about. This company had not sent me any correspondence saying that they are collecting a debt and my right to dispute.
Company Response: Closed with explanation

Timely Response

2019-07-26

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-07-25

Jacksonville, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-07-25

WI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: After several missed calls I spoke to a live person. I informed this person that my phone number used to be someone else 's number and that it is not my debt. The person stated they would take the number off of the account. That was several months ago. They have not stopped calling. Most recent calls were today at about XXXX XXXX, Monday ( XX/XX/19 ) and Friday ( XX/XX/19 ).
Company Response: Closed with explanation

Timely Response

2019-07-25

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-07-24

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Terminated cell/internet/cable tv service with XXXX but they billed me anyway. Refund letter from XXXX office of President states I will receive refund of {$77.00} because I actually paid for a month I should not have paid for, and they agreed. I never received the refund of {$77.00} they promised, and XXXX will no longer respond to my enquires via email or voice message ( the same methods I had been using to communicate with XXXX ). Instead of sending me the refund as promised XXXX turned me over to a collection agency named DIVERSIFIED CONSULTNTS in XXXX, FL for allegedly not paying a bill {$73.00} that I have no idea what it is for. However, I've always paid XXXX in-full and on-time. I do not owe XXXX anything and in fact they still owe me the {$77.00} refund ( copy of refund promise from XXXX is attached ). My credit score is suffering, I feel like I've been damaged because of XXXX fraudulent billing practices.
Company Response: Closed with explanation

Timely Response

2019-07-24

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2019 I disputed the Diversified Consultants account # XXXX with all 3 bureaus. Diversified Consultants verified that this account was being reported 100 % legally and accurately. I know that this isn't true. So I sent a letter to Diversified Consultants via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting proof of the alleged debt, including the alleged contract or other instrument bearing my signature and complete account history, including any charges added for collection activity amongst other things. It has been past 30 days since the letter was delivered to Diversified Consultants. They have failed to provide me proof that this debt is valid. They have not removed the account from my credit reports. They are in violation of the FDCPA.
Company Response: Closed with explanation

Timely Response

2019-07-24

Piedmont, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-23

Axson, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$640.00} Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened XXXX Balance {$980.00} Account Name : XXXX XXXX XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened :XX/XX/XXXX Balance {$1000.00} Account Name : DIVERSIFIED CONSULTANTS Account Number :XXXX Date Opened :XXXX Balance {$2900.00} Account Name : XXXX/XXXX Account Number :XXXX Date Opened :XX/XX/XXXX Balance {$13000.00} Account Name : XXXX/XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$140.00} Account Name : XXXX XXXX Account Number :XXXX Date Opened :XXXX Balance {$0.00}
Company Response: Closed with explanation

Timely Response

2019-07-23

Belville, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have continuously disputed this debt for the past 2 years with XXXX, XXXX, XXXX. I have also contacted the companies at various times to inform them that this is not my debt. I did during that time have a young lady renting a room from me but I did not had XXXX XXXX and now I have had XXXX XXXX XXXX for several years. I also sent Diversifed Consultants a letter of Debt Validation requesting the original documents with my signature. I received the attached final notice, which does not show proof of contract. XXXX XXXX, dba, XXXX XXXX XXXX, dba, XXXX
Company Response: Closed with explanation

Timely Response

2019-07-23

PA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: I am being constantly harrassed by a collection company, Diversified Consultant, collecting " XXXX ''. I remember briefly opening an account with XXXX approximately three years ago, maybe more. it was not a contract. It was for a landline. The service did not work in my home. So I immediately returned the equipment and cancelled my account. I just recently started hearing from them. By " recently '', they started contacting me a year ago. I explained to them the above. However, they constantly harrass and call me, even after I repeatedly asked them to stop. Also, I asked for some kind of paperwork from them and did not receive any. I do not owe this. It was reported to all three credit bureaus. I want it removed from my credit report. I want them to stop calling and harassing me. QUOTE FROM APPLICABLE LAW : Debt collector CAN NOT : Inappropriately call you. Collectors cant call at inconvenient times ( such as before XXXX XXXX or after XXXX XXXX ) or at work if you arent allowed such calls. Harass you. Harassment includes threatening harm or violence, using foul language, or calling repetitively. The above applies to the Diversified Consultant. I have documentation of their nonstop calls. I use my phone a lot for business and they have disrupted my work numerous times and compromised my work.
Company Response: Closed with explanation

Timely Response

2019-07-20

Baton Rouge, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-19

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response