Diversified Consultants, Inc

2017-08-30

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

2017-08-29

Baltimore, MD

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-08-29

Bosco, LA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I initially filed a complaint on XX/XX/2017 in reference to not receiving validation of the debt as requested before placing this account on my credit file. XXXX XXXX ( compliance analyst ) responded stating " DCI has no record of receiving any correspondence from XXXX XXXX requesting validation of the debt therefore it was never provided. '' ( I 've attached a copy of the response ) and I also have the certified mail tracking the receipt of the documents.However I received a letter dated XX/XX/2017 ( 2 days after my initial complaint was filed ) responding to the debt validation letter I mailed that XXXX XXXX claimed DCI had no record of. I 've attached that letter also. What was sent as debt validation is a copy of a final bill, not a signed contract between this company and I. First this account should not have been placed on my credit file before the " debt validation '' was mailed. XXXX XXXX stated that DCI had no wrong doing in this matter which clearly placing this account on my credit file before responding to the validation request is a violation of my rights!
Company Response: Closed with explanation

Timely Response

2017-08-29

Superstition Mtn, AZ

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: This item on my Credit Report referred to by the Collection Agency, Diversified Consultants had already been removed from my credit report back in XXXX due to the original creditor not being able to provide a signed contract or payment history as proof that this debt belongs to me. Now I see it has been reported to the credit bureaus again even though it had previously been removed from all three credit reports. Why is this item once again listed on my credit report?
Company Response: Closed with non-monetary relief

Timely Response

2017-08-29

Blm, IL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-08-28

Charleston, SC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-08-27

Waco, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: OnXX/XX/XXXX Diversified Consultants Inc wrote that they closed the credit line in my name and ceased reporting to the credit bureaus ( attached letter ). However, onXX/XX/XXXX I discovered the account was still being reported to credit bureaus ( attached credit report ). I have since sent disputes according to FCRA to credit bureaus. However tradeline is still being reported by Diversified Consultants Inc to credit bureaus. This is a violation of FCRA and FDCPA!
Company Response: Closed with non-monetary relief

Timely Response

2017-08-27

Louisa, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-25

Sebring, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants, whom I 've never done business with, put a false negative account on my credit report. I called and spoke to a representative of DC who could n't provide any pertinent details to warrant their actions but still insisted that I owe them $ and threatened to ruin my credit if I did n't pay them immediately. I asked for a copy of any contract that they had on file with my signature and details of their claim. They said that they did n't need to provide any of that. I proceeded with the guidelines of the FCRA and forced the credit bureaus to remove this account when DC could n't produce the legal documents required. One month later, DC reapplied this account to my credit report, still without the required documents. The dispute process has started all over again, meanwhile this derogatory account remains on my credit report.
Company Response: Closed with explanation

Timely Response

2017-08-25

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX I notified XXXX with Diversified Consultants, INC over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from XXXX XXXX XXXX XXXX XXXX who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-25

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I checked my XXXX credit report this morning. There was a new entry from Diversified Consultants Inc on there. Supposedly I opened an account on XX/XX/XXXX of this year with XXXX XXXX with a balance of {$460.00} with a high balance of {$93.00}. I have no idea about this account. I have fraud alerts on all my accounts and credit reports, I am a victim of identity theft and I get reports whenever anything changes on my credit reports from XXXX XXXX, XXXX XXXX, and XXXX. This entry is not on my XXXX XXXX report. I want this removed from any of my credit reports. I do not have any loans that were opened this year and especially with this company.
Company Response: Closed with explanation

Timely Response

2017-08-25

Atl, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-24

Gastonia, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Diversified continues to report a collection account on my credit report is unpaid, despite the fact that I paid it in full back in XXXX. I have disputed this account listing several times, but Diversified continues to report the account as unpaid. I am attaching a confirmation on my payment to this complaint.
Company Response: Closed with explanation

Timely Response

2017-08-24

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Diversified Consultants reported a debt for XXXX XXXX XXXX on my credit report. Thy did not attempt to contact me for any verification of debt. Diversified Consultants reported to all 3 credit bureaus {$150.00}. This was for unreturned equipment. I contacted XXXX XXXX XXXX and my account reflects that I do not owe them {$150.00} because I returned my equipment. Had Diversified Consultants followed the law and mailed me a letter to verify the debt this could have been resolved before they placed it on my credit and caused my score to drop over 30 points. This has been an undue burden on me financially, caused by the negligence of Diversified Consultants, and I want this negative reporting removed from all 3 bureaus immediately.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-24

Baton Rouge, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This is my 3rd dispute against Diversified Consultant Inc ( DCI ) account number XXXX in the amount of {$460.00}. I contacted you the CFPB to get them to take this fraudalent account off my XXXX and XXXX credit reports! Well they will take it off one and put it back on another! They have not sent me any information regarding this account and my right to dispute or provided any verification of the debt belongs to me! As I stated in my previous complaints, I 've never authorized anyone to use my identity and I have lived at my current address 2 years! It says on my report that the debt was open XXXX XXXX, 2017. If it was open or closed that day, it 's not my debt to pay! They are playing this game that they will take it off my report and then report it again after I 've disputed it with you and the credit bureaus! They 've just recently placed it on my XXXX report after my dispute! I am willing to take farther legal actions against them and the credit bureaus because this debt is not my debt! I do n't think this is a game and it burns me up to know they are taking this as a joke!
Company Response: Closed with non-monetary relief

Timely Response

2017-08-24

Indianapolis, IN

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

2017-08-24

Saint Paul, MN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XX/XX/XXXX2017, I called DCI for more information about their {$280.00} collections on my credit report. The first collector stated that DCI failed to send out a validation letter informing me of my right to dispute as a result of a Do Not Call Request. He went on to say that the original creditor sent notice and refused to explain to me why his employer, DCI ceased written corrospondents. He ended the call by stating that he could no longer help me. I warned him not to terminate the call. I called back and spoke with someone who identified himself as a Project Manager who begin to repeat an inverted form of my address to me in an attempt to suggest that DCI had the incorrect address. I summarized the previous call to him and he chose to imply that I did n't understand what a validation letter. The manager contradicted the previous collector 's responses and insisted that the Do Not Call Request was instead a request for DCI not to contact me at all. Both collectors interrupted me repeatedly and refused to answer my questions regarding validation of debt. My credit score has dropped 34 points as recently as this morning. How do I rectify this situation?
Company Response: Closed with explanation

Timely Response

2017-08-24

Pasadena, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-08-23

Newnan, GA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2017-08-23

Marietta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/XXXX I received a notice that from XXXX that a collections was added to my credit report. I contacted Diversified Consultants and requested information about this account. They informed me that XXXX instructed them to add this collection to my credit report. This account was previously disputed in on XX/XX/XXXX and was verified as paid by XXXX and was removed from my credit report. On XX/XX/XXXX I contacted XXXX to establish new services and inquire about this past due account. The customer service rep informed me that there was no balance due on any past due account and that she made sure to remove the account from my records with a balance of XXXX. This was reported to Diversified Consultants on XX/XX/XXXX but they stated that XXXX was the one who reported to the credit bureau and not them and they refused to remove the mark. I spoke with the XXXX collection department who verified that no balance was due. They stated that they would file a ticket to stop the collection company from contacting me. They also informed me that XXXX does not authorize anyone to post on there behalf. XXXX also created a complaint ticket against the collection agency to stop them from trying to collect on this account and to provide proof that the account has a XXXX balance. The ticket number with XXXX is XXXX. The balance has been report as XXXX since the account was closed and the equipment was received.
Company Response: Closed with explanation

Timely Response

2017-08-22

San Diego, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX XXXX XXXX account was closed in XXXX of 2016. XXXX XXXX XXXX claimed that I owed {$170.00} for equipment that was not returned. I still had the equipment in question but XXXX XXXX XXXX sent the return box to my old address. I finally resolved this after many hours of wasted time and they sent the return box to my correct new address, after which I returned the equipment the next day. I kept the USPS tracking documents to prove that it was returned. XXXX XXXX XXXX finally admitted their mistake and removed the balance of my account. The XXXX XXXX XXXX representative reversed the amount and my account statement from XXXX XXXX XXXX shows that I owe them {$0.00}. A credit reporting agency called Diversified Consultants Inc. has been sending me multiple collection letters and harassing me with multiple phone calls during the day and night in an attempt to collect the debt in question that was cleared by XXXX XXXX XXXX. I sent a debt verification letter to Diversified Consultants to let them know I was disputing their claim that the debt was stilled owed. They sent me the attached file with the claim that I still owed this debt, even though the attachment that they included shows an amount owed = {$0.00}. This company is incompetent or dishonest since by their own proof, they are trying to collect an amount that I do not owe.
Company Response: Closed with explanation

Timely Response

2017-08-22

Jacksonville, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I used XXXX XXXX as my cable and internet carrier for approximately two years prior to this alleged debt. Approximately XX/XX/XXXX I transferred service to my roommate at the time in which they had been paying the bill for 2-3 months prior to the transfer of service into their name. I made the XXXX agent that was handling the call that the service was still in my name but the other party had been paying the bill and I just needed to switch the service into the other party 's name and during that call I also made sure the agent was aware that I had not been making the payments but the other party was making payment and the amount due was current at that time and made sure that I was not going to incur any charges in my name and the agent assured me that I would not incur any charges as the service would transfer out of my name. I recently have found that this matter has been transferred to collections and in XX/XX/XXXX or XX/XX/XXXX called Diversified Consultants Inc. that is the collection agency handling this case and made them aware that I did not owe this debt and that i wanted to dispute this matter. I never recieved notice from XXXX that I allegedly owed them anything or this would have been handled at that time. I am not responsible for this debt and the agent handling the call years ago was made very clear of that and assured me that I would not owe anything and that it would simply be a transfer of service and that any remaining balance would carry over into the other party 's name.
Company Response: Closed with explanation

Timely Response

2017-08-22

Berea, TX

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Company Response: Closed with non-monetary relief

Timely Response

2017-08-22

Bosco, LA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-08-21

Altamonte Spg, FL

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