Diversified Consultants, Inc

2017-09-19

Quartzsite, AZ

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: On XXXX, XXXX I contacted your company via telephone to XXXX and spoke with a gentleman regarding the 12 automated phone calls that I had received on my cell phone ( XXXX ) and to inquire why they were calling as often as they were. I was advised that your company is attempting to collect an outstanding balance from XXXX of {$120.00}. I verified my information and was read the mini-Miranda. I was asked how I was going to resolve my balance and I advised that before I did, I needed to see a copy of Diversifieds license and bond allowing them to do business in Arizona as Arizona state law requires. The agent that I was speaking with at this point told me that you are the number one collection agency in the country and that he has been doing this for 10 years, and that he guarantees there isnt a problem. He also went on to state that you do business all over the country. I advised him that while all that may be true, all I am asking for is validation and proof of such. He then asked me to hold so he could have me speak to a supervisor. After being on hold for a few minutes, XXXX came on the line. Again, I verified my address and who I am and the mini-miranda was stated. I also advised that I was recording the call. XXXX then said that he was speaking to me because he was told that I have a problem with the company. I said no, I just want a copy of their license and bond as required by Arizona state law. He said that I could go online and look them up, that they are a reputable company, and that I could call XXXX to resolve this. I, again, advised that I wasnt disputing that they work for XXXX, I just want proof that they have the legal right to collect in Arizona. XXXX became frustrated and didnt seem to understand why I wouldnt just pay this. He then told me it was over his pay grade to provide me with this information. He continued to try to pressure me into paying without receiving the information that I requested. At this point I felt it necessary to let him know that I was a collector or 10 years and that those tactics werent going to work on me. He responded with he wasnt asking for my qualifications. XXXX was becoming irritated with my persistence in asking for this information and he proceeded to ask why I wouldnt just pay this, is it because he couldnt give me this information right now? I then said that I was willing to give Diversified 30 days to provide me with this information and once I receive my requested information, I will resolve the account. XXXX then proceeded to just repeat have a good day in an attempt to end the call ( because I am SURE that he would be reprimanded for hanging up on me ) and I advised him not to call my cell phone any more before terminating the call. I also received the following 12 auto dialed calls ( 2 on the same day ) that I received on my cell phone as listed below : 1. XXXX XXXX, XXXX XXXX XXXX from XXXX 2. XXXX XXXX, XXXX at XXXX XXXX. from XXXX 3. XXXX XXXX, XXXX XXXX XXXX from XXXX 4. XXXX XXXX, XXXX at XXXX XXXX from XXXX 5. XXXX XXXX, XXXX at XXXX XXXX from XXXX 6. XXXX XXXX, XXXX XXXX XXXX from XXXX 7. XXXX XXXX, XXXX at XXXX XXXX from XXXX 8. XXXX XXXX, XXXX at XXXX XXXX from XXXX 9. XXXX XXXX, XXXX at XXXX XXXX. from XXXX 10. XXXX XXXX, XXXX at XXXX XXXX. from XXXX 11. XXXX XXXX, XXXX at XXXX XXXX from XXXX 12. XXXX XXXX, XXXX at XXXX XXXX. from XXXX
Company Response: Closed with explanation

Timely Response

2017-09-19

IL

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: I previously disputed this exact collection and it was taken off. It was previously on my credit report before being removed as opened XX/XX/XXXX for {$600.00} and now it listed opened XX/XX/XXXX. It has now been re-added and under the opened dates have been changed to XX/XX/XXXX for {$600.00} with Diversified Consultants , Inc. as if it is a new delinquent account ... This account is listed on all of my three credit reports with the reporting bureaus. I have read guidelines that companies can not do this so I want it fixed as my score just plummeted almost 30 points for no reason. They were not able to prove that this even existed or is valid within the time period with you all and the reporting bereaus, so I do n't appreciate this company falsifying a new listing to do this. It 's unfair and how long will I have to keep going through this with the same company? I have not received anything in writing about this new supposed account either.
Company Response: Closed with explanation

Timely Response

2017-09-18

Kansas City, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XXXX XXXX, XXXX, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency ( Diversified Consultants ) originating from " XXXX XXXX '' on my XXXX credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-18

Walden, CO

Incorrect information on your report

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

Account information incorrect
Complaint: Diversified Consultants Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : XXXX This letter is sent in response to a negative entry on my credit report posted by your company. I have not ever received notification from you regarding this debt as required by the Fair Credit Reporting Act ( FCRA ), Notice of Negative Information Provision Which is Part of the FACT Act 623 ( A ) ( 7 ). I was only notified of the debt and the account number with your company from a lender that requested my credit report. I am requesting that you provide validation of this debt and that you immediately remove this negative mark from my credit report as I was not notified as required. If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Colorado Attorney Generals office. Civil and criminal claims will be pursued. Sincerely,
Company Response: Closed with non-monetary relief

Timely Response

2017-09-18

Hicksville, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-17

Temple, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-17

Chicago, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.
Company Response: Closed with explanation

Timely Response

2017-09-17

Mdn, MS

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Company Response: Closed with explanation

Timely Response

2017-09-17

Hinsdale, IL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-09-16

Arlington, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-09-16

Jacksonville, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-15

Newnan, GA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Diversified Consultants is attempting to collect a debt from XXXX in the amount of {$2100.00}. I have received no documentation that I owe this debt and even if I did, the debt is listed as " opened in XXXX ''. I have had XXXX since XXXX. It appears that this company has reaged the debt in violation of FCRA. DIVERSIFIED CONSULTANTS Account number XXXX Recent balance {$2100.00} as of XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Original creditor XXXX
Company Response: Closed with explanation

Timely Response

2017-09-15

North Hollywood, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I cancelled my XXXX XXXX in XXXX 2017 and gave 30 days notice. They billed my credit card in XX/XX/XXXX, which was for the month ahead, XX/XX/XXXX. XXXX XXXX makes you pay in advance for the month ahead. I no longer had XXXX XXXX so assumed this was a mistake on their behalf so I called my credit card and stopped the payment. They have now sent me to a collection agency. I was a customer of XXXX XXXX for years and always had paid my bill using autopay. I had never not paid my bill nor had I ever paid it late. Why they would think I would not pay a bill that I owed is beyond me. It is a mistake on their behalf. They need to listen again to the recording of me calling them to cancel my service. They say the calls are recorded for customer protection so now I would like them to use the recorded call as evidence to support my story. I am not paying for a service that was cancelled a month prior and that I no longer had and feel that I am being bullied by XXXX XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-15

San Marcos, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-09-14

Bohemia, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XX/XX/XXXX 2017 a new collections was open to my name. I checked my credit score 2 days ago XX/XX/17 because my credit score had gone down tremendously. The collection appeared on my credit score on XX/XX/17. I was never notified in writing/phone call that I owed this to this phone company. If it was n't for me checking my credit score I would n't be aware of the collection. My phone company never told me I owed money to an old account as well.
Company Response: Closed with explanation

Timely Response

2017-09-14

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX # XXXX. I had complaint about this company before and I had not received back any correspondence from this company. It has been more than 30 days since and this account I demand to be removed from my Credit Report.Pursuant to the Fair Debt Collection Practices Act, XXXX U.S.C. Section XXXX, you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-14

Hartford, CT

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I left XXXX as my primary carrier in XX/XX/XXXX or XX/XX/XXXX. I had a balance of {$300.00} from this account. I talked to a representative to arrange a payment agreement, but within two weeks I was sent a notice in the mail from a collection agency, Diversified Consultants , Inc . The original {$300.00} rose to {$690.00}. I asked where did the addition fees came from and the company said this was due to equipment / devices, which was a XXXX and XXXX tablet. I told the company that I had already paid for the XXXX and XXXX never issued me a statement about the balance for the tablet which I had been paying on for two years every month. Since XX/XX/XXXX this company has frequently called my phone at all times of the day, morning and night. I have talked with three representatives and a supervisor about reducing the fees, arranging payment plans and getting the company to stop calling me while I 'm on my job. I have paid this company {$300.00} yet I continue to receive phone calls and I was sent a notice on XX/XX/XXXX for {$550.00}. On the last payment I provided through my debit card of {$78.00} in XX/XX/XXXX the company double charged my card and I did n't receive a refund until I had to talk with a supervisor and my payment arrangement had to be renegotiated.
Company Response: Closed with explanation

Timely Response

2017-09-14

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I did n't have a XXXX account and nor have I done any business with DIVERSIFIED CONSULTANTS INC. i tried resolving the issue with all 3 credit bureaus on X/XX/17. Also, I sent the company a letter on X/XX/17 asking for a legal contract and there was no supported documentation to verify I signed for a contract agreement. Only a print out of a last statement of a bill was provided.
Company Response: Closed with explanation

Timely Response

2017-09-14

Bethlehem, GA

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 non-monetary relief

Timely Response

2017-09-14

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have requested several times for Diversified Consultants to valid the debt they 've listed on my credit report in the amount of {$600.00}. Per the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested. The company have not sent me a signed contract with my signature on it. The only documents that was mailed to me was a fraud form from XXXX. By law the company has to validate the debt with the original documents or have the information removed from all reporting credit agencies.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-14

Valrico, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-13

Hollywood, FL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-09-13

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-13

Deerfield Bch, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2017-09-13

Long Beach, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: A collection account has been placed on my credit report in error. I disputed the results and requested an investigation. The investigation determined the account belonged to me without proof. The reporting Agency is committing fraud as they were aware the account does not belong to me. I never opened the account with the company and they do not have a signed contract with my accompanying information ( signature, date of birth, social security number ). I believe this company is attempting to shake down innocent victims with false and/or already paid accounts. Additionally, Diversified Consultants, Inc. has made multiple harassing calls to my mobile phone number, at least two calls a day for the past six months, for a debt that does not belong to me. I have explained to them that the debt belongs someone else with the same name and that debt was paid by that individual, but the DEBT DOES NOT BELONG TO ME. I have requested proof of said debt they claim belongs to me and asked that they indicated where my matching social security number, date of birth and signature appear to no avail. When they provided information to the reporting Agency, and later mailed to my home address, they only provided information they knew matched, such as the name and address of the original debtor ( which, matches my contact information ) but did not provide or intentionally omitted the additional information that would clearly indicate the debt did not belong to me. The refused to provide the social security number, date of birth, and or signature of the original debtor. Although clearly aware that the debt did not belong to me, Diversified Consultants, Inc. placed the inaccurate debt collection on my personal credit file with the three leading credit union bureaus ( XXXX, XXXX and XXXX ). XXXX conducted an investigation and concluded that the debt belonged to me based on fraudulent information provided to them. I attempted to contact Diversified Consultants, Inc. and XXXX for a third and fourth time to provide proof that the debt DID NOT belong to me and that the original debt had been paid more than seven months ago to no avail. The inaccurate and wrongfully documented information is still on my credit report as of this request for intervention. It is my belief that Diversified Consultants , Inc. willfully and knowingly reported false information on my credit report when they realized they could no longer collect the ALREADY PAID debt that was paid to another party ( the original creditor ).
Company Response: Closed with non-monetary relief

Timely Response