Diversified Consultants, Inc

2017-10-04

Superstition Mtn, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: IN XXXX I sent a letter requesting verification of a debt/collection account reported on my credit report. The company responded that the original creditor could not provide the written document I requested and the item would be removed from my credit report. I then received a photocopy of a " final bill '' from the debt collection agency showing an incorrect address where service was provided and none of the information I 'd originally requested from the debtor which was a signed original service contract and a payment history. Again, I am requesting this account be removed from all XXXX of my credit reports as the information they have attempted to provide is not the items I originally requested and the photocopies they provided are from an address I 've never lived at.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-03

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-10-03

Durham, NC

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: XXXX called XXXX XXXX have put a collection on my credit report for {$450.00}. I have never heard of this company and I do not owe them or no XXXX else money. This is not my debt.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-03

Decatur, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2017-10-02

Altamonte Spg, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-02

FL

Incorrect information on your report

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

Account information incorrect
Complaint: Diversified responded to my XX/XX/XXXX complaint ( XXXX ) with a letter with half truths : DCI contacted me several times at the end of XXXX. I received a collection letter dated XX/XX/XXXX on XX/XX/XXXX. DCI contacted me via phone on XX/XX/XXXX and again on XXXX and on XX/XX/XXXX after I had asked them several times not to contact without the proper verification. I stated that I had not received an itemized statement and that I had only received a demand or collection notice. I sent via XXXX a debt validation letter on XX/XX/XXXX, a letter that was not received in Diversified 's office until after XXXX XXXX. on XX/XX/XXXX, so how on earth could they have responded to my debt validation letter on XX/XX/XXXX if they had n't even received it? I provided to the CFPB the receipts and receipt of UPS letter on my initial complaint, I will submit them again for you to review. Additionally, DCI claims that I requested billing statements, which is false, I requested a detailed itemized invoice of the alleged debt owed and I have not received a detailed itemized statement of the account to date. Diversified failed to provide this within 30 days and I have proof. Diversified did n't respond to my XXXX/XXXX/XXXX and they completely omitted it from their statement. Why do you suppose that is? Because Diversified did not follow the proper protocol and still reported a debt that has not been validated which in a violation of my rights under the FCRA.
Company Response: Closed with explanation

Timely Response

2017-10-02

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I recently received an alert from XXXX that Diversified Consultants, located at XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX ( XXXX ) XXXX, placed a collections on my credit report. The collections is from XXXX for XXXX dollars. I have spoken with XXXX representatives with XXXX and am told I have a zero ( XXXX ) balance. I have tried multiple times to contact Diversified Consultants to no avail. My XXXX XXXX had dropped due to this erroneous information and am seeking legal action against Diversified Consultants and XXXX for allowing this to be put on my credit with no just bases or regard for my personal welfare and credit worthiness. XXXX XXXX, GA
Company Response: Closed with non-monetary relief

Timely Response

2017-10-02

Mem, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2017-09-30

San Antonio, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: My dispute is with a collection company under XXXX XXXX they have never notified me I only noticed when it was put on my credit report when I called them asking what this debt was she said it was from XXXX XXXX XXXX I informed her that I did not know what this bill was have never received any type of XXXX and that I had been with XXXX XXXX XXXX up until just this past XXXX of XXXX she then read me the address which was XXXX XXXX and I have not lived there and almost 4 years and change of address took care of that problem had they had sent me anything I know nothing about this debt when I asked for a email or a copy she said that I would have to get online and go to a file number which is XXXX but in order to access the information I would then have to give her my current information as my current mailing address my current phone number and I asked her why she would not already have this if this was a legitimate debt from XXXX XXXX XXXX so I have no idea what this {$260.00} is she 's talking about she wanted to give me a 25 % discount to pay off immediately I told her I was n't paying anything until I knew what I was paying she 's in sternly said I told you it 's an XXXX XXXX XXXX bill and I said well and I told you that I paid off my contract and for the last year I was month to month so I should n't no way have jeopardize a contract with XXXX XXXX XXXX or they would have told me before XXXX of this year when I cancelled so I honestly do n't understand why these people can do this and harass and be rude and I would like this cleared up and I do n't know this debt please help
Company Response: Closed with non-monetary relief

Timely Response

2017-09-29

Wann, OK

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: On XX/XX/XXXX, I submitted a complaint ( # XXXX ) regarding Diversified Consultants, Inc. ( DCI ). DCI was reporting an {$88.00} debt of which i had never been notified or contacted. They did respond and agreed to remove this account from my credit file. Their response letter stated " DCI has ceased collection efforts and closed the account in our office. A deletion request has been submitted to the credit bureau. '' On XX/XX/XXXX I received alerts from all 3 credit bureaus that DCI was again reporting this same account they said they would delete. Please see attached letter, from Compliance Analyst XXXX XXXX at DCI. This letter is DCI 's response to my initial complaint ( # XXXX )
Company Response: Closed with non-monetary relief

Timely Response

2017-09-29

Newnan, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: In XXXX 2017 I received an alert that a collection had been added to my credit profile. When i logged in, a collection account listed under DCI appeared on my credit report. Based on the information XXXX is the original creditor. I have never received notice of such debt and immediately disputed the account and requested validation of debt. My rights have been violated under the FCRA. I am allowed the rights dispute debt before it is placed on your credit profile and I was unable to do this. Also to my understanding several notices must be sent. I only received one and that was after it was placed on my credit profiled. I then emailed the company and disputed the debt asking them to kindly remove until investigation has been completed. Which again I have the right under the FCRA. This has not been done and I feel like this whole thing has been handled unfairly and not according to guidelines set by the FCRA. Please review.
Company Response: Closed with explanation

Timely Response

2017-09-29

Shulerville, SC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I was never notified about this debt of XXXX according to XXXX Diversified Consultant stated the addresss matched and I was not living there. This was over 2 years ago and XXXX did not notify me. Called XXXX directed me to Diversified requested a pay to delete and was refused. This was removed from XXXX and XXXX XXXX because there was no evidence of address or notifying me about this at all in its entirety.
Company Response: Closed with explanation

Timely Response

2017-09-29

Bedford, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Collection Agency XXXX. XXXX, XXXX failed to provide proper validation documents for XXXX cell phone account for the amount of {$1800.00} and it was removed from my credit report XXXX/XXXX XXXX. In XXXX XXXX a new collection agency Diversified has reinserted the same cell phone debt of {$1800.00} in XXXX and I never received ANY notification at all pertaining to this. It just appeared on my reports in XXXX stating that it began in XXXX.
Company Response: Closed with explanation

Timely Response

2017-09-29

Little Rock, AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Account was opened by my spouse in my name without my knowledge or consent. Opened XXXX XXXX, XXXX, currently the status of the account is open, responsibility individual, with a balance of {$1000.00}. Original account XXXX Diversified Consultants, INC is the current debt collection agency. On XXXX XXXX, XXXX I filed to dispute debt with XXXX through the XXXX XXXX website.
Company Response: Closed with explanation

Timely Response

2017-09-29

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2017-09-28

Moreno Valley, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-28

Guthrie, NC

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

2017-09-28

Randolph, MN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have disputed a couple times, this is an unknown account listed on my credit file. Requested validation and nothing has been received. Inaccurate information against me
Company Response: Closed with explanation

Timely Response

2017-09-28

Auburn, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/XXXX I settled in full an account with Diversified for the XXXX XXXX XXXX collection # XXXX.Attached you will see a letter confirming this. Recently I was alerted by my mortgage company that I have a new collection from Diversified opened in XX/XX/XXXX for XXXX XXXX XXXX for almost the exact same amount. In reviewing the report, it appears the last date of activity on the first collection was in XX/XX/XXXX and then the new one was opened in XX/XX/XXXX as well.I do not understand why they opened a new collection account for a collection that was just paid.
Company Response: Closed with explanation

Timely Response

2017-09-28

Evanston, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2017-09-27

Gaithersburg, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-27

Augusta, GA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-27

Rncho Domingz, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX will not verify or remove this listing from my XXXX XXXX credit report. I have asked that they fully validate/ verify this debt in it 's entirety. Including my signature and promise to pay as well as other identifying information that will verify that this line item should be listed on my credit report. This collection agency has not provided this information. I am requesting documentation that states I promised to pay. A contract with my signature that shows this account belongs to me. I have yet to receive this information after numerous attempts as well they continue to verify this information as accurate with XXXX XXXX although they have yet to provide me with the requested documentation.
Company Response: Closed with explanation

Timely Response

2017-09-27

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by Diversified Consultants in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with XXXX and I request this collection amount/item to be removed from all credit reports immediately. Original Acct number-XXXX Original balance- {$710.00}
Company Response: Closed with non-monetary relief

Timely Response

2017-09-26

Savannah, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I had a collection placed on my credit report by Diversified Consultants, XXXX. XXXX XXXX, XXXX, FL XXXX, phone ( XXXX ) XXXX. The collection is for {$43.00} on an account that does not belong to me that was apparently originated by XXXX for an unpaid cable television bill. I called and told Diversified that it was not my account and they said I would have to call XXXX. I called XXXX and they said I would have to get a police report and report it as identity theft. I cant make a police report if it is purely a XXXX mistake.
Company Response: Closed with non-monetary relief

Timely Response