Diversified Consultants, Inc

2017-10-09

Lawton, OK

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-09

Smyrna, SC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-09

San Jacinto, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: After obtaining my credit report I mailed a certified letter on XX/XX/XXXX to all 3 credit bureau 's. Also, after obtaining my report, I updated information that I found to be inaccurate and disputed a collection account. The collection account was from Diversified Consultants for the amount of {$220.00}, claiming the dates to be from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I sent a certified letter to Diversified Consultants asking them to verify and validate the debt that they have listed on my credit report. Validated debt shows an original contract with my signature on it. I also included in my dispute a hand written letter asking Diversified Consultants if they were legally able to attempt to collect the debt they claimed I owed. The reason I asked is because the address that was listed on my credit report was not listed on Florida 's Secretary of State website. As a consumer, I have rights and if Diversified Consultants can not validate this debt and if their business is inactive ; I want this debt deleted from my credit report ( all 3 bureaus ) or else I will pursue legal action.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-08

Fort Mill, SC

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-10-08

Los Angeles, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-08

NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Date company sent letter X/XX/17 Company name is DIVERSIFED CONSULTANTS MAILING ADDRESS IS XXXX XXXX XXXX FL XXXX Letter address from. XXXX XXXX XXXX MI XXXX Stating I owe XXXX Address is wrong I never had an account with said company XXXX or XXXX XXXX XXXX They have a phone number that goes in circles and cant speak to anyone about issue to resolve this is fraud phone is XXXX Not my account and they wont remobe off credit
Company Response: Closed with explanation

Timely Response

2017-10-07

Cedar Hill, TX

Written notification about debt

Debt collection: I do not know

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

Timely Response

2017-10-07

Newark, NJ

Incorrect information on your report

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

Information belongs to someone else
Complaint: On my XXXX credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is Diversified Consultants with XXXX XXXX for XXXX and the XXXX creditor XXXX XXXX for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my XXXX report XXXX. It 's also on my XXXX report under Diversified Consultants for XXXX and XXXX report under Diversified Consultants for XXXX. This account was supposed to had been removed and now keeps appearing.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-07

Shulerville, SC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: DIVERSIFIED CONSULTANTS INC reported to my credit report XXXX XXXX XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XXXX with the amount of {$540.00} being owed. None of the information Diversified Consultants inc is reporting is accurate, along with the fact that I was never notified.
Company Response: Closed with explanation

Timely Response

2017-10-07

Sylvester, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent a certified letter to XXXX XXXX on XXXX XXXX, XXXX to verify a debt they are reporting on my credit report. All they sent me was a letter and an old telephone bill. They did not send any of the requested information in the letter. I also sent this information to XXXX, XXXX and XXXX. They all stated the collection was verified, but did not state how it was verified or what information was used.
Company Response: Closed with explanation

Timely Response

2017-10-06

Sacramento, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-10-06

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I just checked my credit report and she a collections account on there for XXXX in the amount of XXXX opened XXXX XXXX. I never opened a XXXX account!
Company Response: Closed with explanation

Timely Response

2017-10-06

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I received a call from a debt collector and long story short I asked them to send me the detailed bill if I truly owe. I was yelled at and talked over and was told NO. I need to do the research myself and figure it out the agent was rude and overbearing. I asked them until they could send me out a bill to discontinue the calls because its becoming harassment and he said that they would keep calling until I paid.
Company Response: Closed with explanation

Timely Response

2017-10-06

Atl, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XXXX, XXXX XXXX appeared on my credit file. I disputed this collection account with Equifax on XXXX and XXXX I have contacted Equifax in reference to a collection from XXXX XXXX collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. I currently have service with the " original creditor '' that is supposed to be collecting for the debt. I do not owe the original creditor.as I would not currently service with them. I have contacted XXXX XXXX on several occasions as well to validate this debt was mine. I have received nothing from XXXX XXXX except excessive harassing phone calls on a daily basis to my cellular phone. Equifax keeps stating that this debt has been verified however, I am unsure how this could be when Equifax has incorrect information listed in my credit file for my date of birth. The XXXX XXXX collection account is NOT my account and I request that it be deleted from my credit file.
Company Response: Closed with explanation

Timely Response

2017-10-06

Detroit, MI

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2017-10-05

FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Attached are the images supporting my description of the problem : I received a letter from Diversified Consultants, Inc dated XXXX XXXX XXXX on the XXXX of XXXX XXXX. It said if I did n't contact them within 30 days they " assume the debt was valid ''. I called them on XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I refused to give them the phone number I was calling from, my DOB, my SSN, my email, my mailing address or any verifying information other than the account number with their institution. I was told that without additional information they could not help me. It is a falsified debt. I refuse to agree to allow them to XXXX from me. This is illegal and against the rights of an ID Theft victim. This XXXX XXXX XXXX XXXX' is totally bogus and a scam. Saying I " May '' be eligible for a XXXX} credit card from XXXX XXXX XXXX. " Click here to complete a survey and you may receive ... .. '' These are electronic theft tactics. This is the third debt collection agency who has submitted a falsified debt for a " XXXX XXXX XXXX ; however the email from XXXX XXXX XXXX XXXX division, dated XXXX XXXX, the day after I received the email the account was opened, XXXX, which states it is fraudulent if it is NOT sent to an XXXX XXXX XXXX' domain -- - then I do not have an XXXX XXXX XXXX account. They gave explicit instructions and I followed them. I have enclosed the XXXX XXXX XXXX XXXX Department email. Perhaps DCI would be wise to read and follow their instructions for discerning " real '' vs " fake '' XXXX XXXX XXXX accounts in the future before threatening to collect and claim a " debt is valid unless we hear from you in 30 days ''. I hold no malice against XXXX XXXX XXXX. They are a fine XXXX XXXX organisation If I had an XXXX XXXX XXXX XXXX account, the email would NOT have been sent to a XXXX email account. Communication would have been have been sent to an XXXX XXXX XXXX account. That is what I tried to tell DCI when I attempted to make those three XXXX XXXX ) phone calls to save them the embarrassment of being made to look ridiculous and lacking in fiduciary skills. They refused. To fall within their demand of thirty ( 30 ) days, I have no other recourse except to file a complaint as A FALSIFIED DEBT COLLECTION MADE BY A DEBT COLLECTOR against Diversified Consultants , Inc . Thank you very much CFPB for providing a vehicle to post and share our experiences so that others can learn and we can learn how to protect ourselves from these greedy people who take advantage of the internet theft and protect ID Theft victims. see attached documents.
Company Response: Closed with explanation

Timely Response

2017-10-05

Charlotte, NC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: this company has been calling multiple times a day for months. We have never had any outstanding debt. They have claimed XXXX. I called XXXX, they agree that my account is, a and has always been paid on time and is up to date. I called them back and asked to be taken off their list. They wanted my SSN and other personal information, which I refused to give them.
Company Response: Closed with explanation

Timely Response

2017-10-05

Washington, DC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-10-05

South Florida, FL

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: In XX/XX/XXXX I hired a credit repair company to help me remove some things of my credit report from all three credit agencys in which they did help but, I have one of {$600.00} that 's keep coming back after it was removed a couple time but reappear. I sent letters every 90 days and still nothing
Company Response: Closed with explanation

Timely Response

2017-10-05

Euclid, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I mailed Diversified Consulants in XXXX a certified Letter *copy attached* for debt validation, according to the USPS it was received in their offices on XX/XX/XXXX, I requested validation of a debt they are reporting on my credit report .After 33 days I have received nothing from this company.
Company Response: Closed with explanation

Timely Response

2017-10-05

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XXXX XXXX, XXXX, Diversified Consultants sent me a letter telling me that my account with XXXX was referred to their office for collections. Yet, they posted it on my credit reports before the date of my letter. I asked them to validate the debt, I never heard back, I asked them again to validate the debt, I never heard back ( this was all by certified mail ). I sent another letter asking them to debt the debt but they said no. I called them on XXXX XXXX and told them that I had a zero balance with XXXX. They said that I would need to prove it. I went to my local XXXX office and sent Diversified my statement that said {$0.00} balance. They said they will report to my credit report that it was paid. I stated that I never owed Diversified the debt and it should be deleted. It is still on my credit report. They are reporting false information and it is affecting my credit. I should not have to jump thru hoops for an unethical company!
Company Response: Closed with explanation

Timely Response

2017-10-05

Ocklawaha, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Diversified Consultants is a collection agency. They were hired by XXXX XXXX. XXXX claims I owe an early termination of XXXX I paid this amount and have the invoice to show a zero balance owed. I called XXXX after I received a delinquency notice. I was assured by customer service that I owed nothing. The next thing I received was a threat letter from diversified. I sent them a copy of the last invoice from XXXX showing a zero balance. I just checked my XXXX score and saw that it dropped XXXX points this month.
Company Response: Closed with explanation

Timely Response

2017-10-05

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I contacted XXXX prior to XXXX XXXX, XXXX to inform them that I was moving to a new residence. XXXX informed me that they did/could not provide service at my new address ( which happened to be in a different state ) and therefore I needed to stop my service. They did not inform me that I owed anything, but that I needed to return my devices that were owed to them. On XXXX XXXX, XXXX I received an email ( the only email after stopping service, email is attached ) stating that they had received my disconnect request, and again, did not state I owed any money. On XXXX XXXX, XXXX I returned the devices to the XXXX store in person, was told that I did not owe anything, and received a receipt stating that the devices had been returned ( attached ). On XXXX XXXX, XXXX I received a letter from a collection agency Diversified Consultants Inc. ( letter attached, letter dated XXXX XXXX, XXXX ) stating I owed a debt of {$220.00} to XXXX. I contacted XXXX and they informed me I owed the money as a cancellation fee as I had voluntarily cancelled my service. I informed them that I did not have an option, I did not want to cancel the service, but that XXXX could not provide service in the new residence I was moving to and therefore should not be liable for this cancellation fee, and in addition, XXXX never contacted me informing me I would owe this fee if I cancelled service. XXXX agent informed me that there was nothing they could do, but would have a supervisor call me back to resolve the issue. No supervisor ever called me. On XXXX XXXX, XXXX I sent a letter to Diversified Consultants Inc. disputing the debt ( attached ). On XXXX XXXX, XXXX I received a letter from Diversified Consultants Inc. stating that the amount I owed was valid. Also with that letter was a bill from XXXX ( attached ) stating that my service was disconnected with a balance due of {$220.00}. I am disputing these charges because : 1 ) I was never informed prior, during, or after disconnecting my service from XXXX that I would be billed a disconnection fee. XXXX never contacted me about the fee before turning it over to a collection agency. 2 ) I had no other option but to disconnect service from XXXX because they could not provide service at my new residence and I should not be responsible for this fee. 3 ) I paid all money owed to XXXX for services delivered over a 4 year period, and should not be unduly charged a fee for moving to a new location, which this debt will negatively impact my otherwise good credit.
Company Response: Closed with explanation

Timely Response

2017-10-05

AR

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: This is in reference to complaint # XXXX XXXX XXXX has yet again sent this rogue bill yet to another collection agency this time to Diversified Consultants in XXXX, Fl this company sent a bill this time 1st bill I have ever gotten, it usually just pops up on my credit.. anyway, I called and spoke with them Monday XX/XX/XXXX around XXXX.. told this agency this is not my debt, he said there was n't anything he could do and that XXXX XXXX was going to continue to send this debt until its paid.. so I then hung up contact XXXX fraud department.. told them I had never gotten a bill from them and it 's not my debt.. the lady really did n't want to hear my story, told me she was sending me to the fraud department and speak to them.. I was transferred to an automated message to go online and file a fraud complaint.. when you go to the website it ask for your picture id and social security number.. why would I want to give you that kind of information if you claim to already have it on file?? I have asked them to send me signed documents where I signed for these services and I asked them to send me copies of proof of anything that I signed getting these services, I have told them that if they pull up XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX fire in the XXXX XXXX Commercial newspaper they will see I was interviewed by an reporter that I lost my apartment in a fire listed at XXXX XXXX XXXX and I also filed bankruptcy 2 months after the fire if this was debt I could have simply put in on my bankruptcy.. this is not my debt.. this is not BACK on my credit as of yet.. your agency helped get this removed in reference to complaint # XXXX.. please do not let these people put this back on my credit!! This is a complete nightmare!! I am in the process of looking to purchase a new home in about 6 months or so.. I do n't need this popping back up on my credit.. please help.. I have the email I sent of this conversation to XXXX XXXX if you would like for me to forward emails.. the emails state what I told you in this complaint
Company Response: Closed with explanation

Timely Response

2017-10-05

Woodland, WA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XXXX/XXXX/XXXX I reviewed my credit report and saw a collection debt for : Diversified Consultants Inc XXXX in the amount of XXXX. I called the number and spoke with a person that told me I had a debt to XXXX XXXX with an account # XXXX. I stated I never had an account with XXXX XXXX. They instructed me to contact the fraud department at XXXX. I called the number and it was XXXX XXXX, I explained that I had never had an account with them and was instructed to call this number to report fraud. After speaking with a lady on the phone and her asking a lot of information I finally realized that she must be talking about another internet company. I told her I could not remember the name but it was XXXX something. I explained that I did live in XXXX and I had a man come out and promise me that I would have great service and it would be just like XXXX with fast internet. I did agree to have it installed, however after XXXX days it stopped working. I called customer service and the only thing they would tell me is I needed to pay more money for better service. I had explained that I was already promised to have good service. I ended up paying more money and then XXXX days later the service went out again. I called back and told them that I was cancelling service due to misrepresentation of the product sold. They told me to send the equipment back. The dates on the account are XXXX/XXXX/XXXX open XXXX/XXXX/XXXX closed. I explained all of this to the lady on the phone. She stated that they do have third party installers, but she was unable to verify if or who installed the service for me. She said that I could file a fraud complaint and that the only way I could get information is through the police department and that I owe XXXX. I told her that I would not pay that money to them and I did not owe XXXX XXXX any money and how could I have a bill in XXXX month for XXXX.
Company Response: Closed with explanation

Timely Response