Diversified Consultants, Inc

2017-08-17

Elko, NV

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2017-08-17

Marietta, GA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2017-08-17

Carthage, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-16

Bostonia, CA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-08-16

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants, INC XXXX XXXX XXXX XXXX XXXX, FL XXXX Florida Office of Financial Regulation License # XXXX XXXX Department of Consumer Affairs License # XXXX Ref : Agency Reference Number # XXXX / Account # XXXX To whom it may concern : On XXXX-2017 Diversified Consulting Inc sent me a letter stating that I owed a debt. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt XXXX to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. ( section 1692g ) Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of New York ( section 5-77 ) require that you honor this request.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-16

Albuquerque, NM

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-16

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-15

IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I spoke with & Paid XXXX ( Diversified Consultants ) {$380.00} settle amount on X/XX/17 at number listed XXXX. Although, this bill has been settle and paid It is still showing on mt credit report. I just do n't understand why do I keep getting the run around when I call to see who can help me get this removed because Diversified Consultants states the account has been closed since the payment went successfully and that the credit companies have not updated the information on there in. I was blessed with the money to do my part but noone wants to do there 's. I have attached the receipt from the payment I made & the confirmation letter that was sent from Diversified Consultants stating that it was paid.
Company Response: Closed with explanation

Timely Response

2017-08-15

Wonder Lake, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-08-15

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have no idea who DCI is since they have NEVER attempted to collect on this debt by, mail, email, or phone call. They have sent a collection to the credit bureaus without allowing me to properly validate the alleged debt. Also XXXX has sold this alleged debt 3 times because they have been unable to properly validate this debt belongs to be ... it 's been almost a year and they still keep trying to get me to pay on a bill that does n't belong to me. I have NEVER entered into contract with DCI or XXXX, and they both or supplying false information on me. This debt that does not belong to me is causing hardship in my life right now!
Company Response: Closed with non-monetary relief

Timely Response

2017-08-15

Newnan, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XXXX XXXX, 2017, I noticed on my credit report there was an account in collections for {$65.00} reported by Diversified Consultants. I was completely unaware that an account was in collections until I saw it on my credit report. On XXXX XXXX, 2017 at XXXX XXXX. I contacted the debt collector, Diversified Consultants, immediately to find out why this was on my credit report. I explained to the representative that I never received mail or phone calls regarding the situation with Diversified Consultants. The representative explained there was nothing she could do since it was already reported to the credit bureau. I also asked about having the information removed from my credit report because I was not aware of or contacted about the situation. I called back two more times the same day at XXXX XXXX. and again at XXXX XXXX. I was then told that Diversified Consultants received my file on XXXX XXXX, 2017 and reported it to the credit bureau on XXXX XXXX, 2017. On XXXX XXXX, 2017 at XXXX XXXX. I called Diversified Consultation wanting to know if the company had any record of speaking to me. The representative informed me that they contacted three phone numbers that did not belong to me. The representative then stated they spoke with some man on XXXX XXXX, 2017, who told them " his wife will call back. '' The representative then asked me if I am married. I told the representative I have never been married before and I continued to tell him that the phone numbers they called do not belong to me. I have spoken with the following people at Diversified Consultants : XXXX, XXXX, and XXXX.
Company Response: Closed with explanation

Timely Response

2017-08-15

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a letter from Diversified Consultants, Inc claiming to have taken over an XXXX XXXX XXXX XXXX debt with. The letter is dated XXXX promising to commence collection efforts in 30 days. Efforts were made to collect this debt that does n't belong to me before. XXXX XXXX XXXX said the have no record of this debt. I am no longer a client of XXXX XXXX XXXX and paid all outstanding bills. I initiated a dispute of this debt when it appeared on my credit report under XXXX and it was resolved and removed. This is a scam mow
Company Response: Closed with non-monetary relief

Timely Response

2017-08-15

Salton City, CA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I already told them I have no money and they need to stop, calling, harassing me. I have told them 3 times to take me off their call list and they just keep saying it takes 24 hours, I told them that 's fine just take me off. They threaten it will go into collects and on my credit report so I told them to let it because I have no money, but they repeatedly and continuously keep calling. They, a female & male representative start yelling and saying I have to pay something. I 'm barely making in paycheck to paycheck I have no extra money. I 've already told them multiple times when & if I get extra money I will call them, but they refuse. XXXX XXXX XXXX. They call me EVERYDAY ... 3-5 times a day throughout the day & evening. Diversify Consultants. I loose sleep and get awakened from sleep because they refuse to stop calling. This has been going on for well over 6 months now.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-15

Columbia, SC

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
Company Response: Closed with explanation

Timely Response

2017-08-15

Texarkana, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2017-08-14

Rncho Domingz, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I 've requested validation of debt in XXXX of 2017 and I have t received anything proving that the debt is valid or that they have a legal right to collect on supposed debt
Company Response: Closed with non-monetary relief

Timely Response

2017-08-14

Kingstree, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I had a credit alert from all of all credit reporting agencies ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX stating that XXXX XXXX inserted a collection in the amount of XXXX to XXXX XXXX XXXX. On XXXX XXXX XXXX I submitted a complaint to the Consumer Financial Protection Bureau asking for Verification and Validation that this account was mine. On XXXX XXXX, XXXX they responded with the attached letter. I also received a letter in the mail from XXXX XXXX stating that enclosed was verification that the account belonged to me. The supposed verification was what looked to be an old bill. This company has failed to provide me the requested verification that this account is mine. They have not present a sign contract bearing my signature or any type of photo identification. On XXXX XXXX, XXXX I got an alert that the collection was added to my report after this company failed to comply. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt that Diversified Consultants has placed on my report.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-14

Fort Lauderdale, 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

2017-08-14

August F. Haw, CA

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
Company Response: Closed with explanation

Timely Response

2017-08-14

Liverpool, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I recieved a letter from Diversified Consultant Inc. last XX/XX/XXXXstating that i owe XXXX XXXX XXXX amounting to {$1200.00}. And i do n't remember any balance from XXXX XXXX XXXX so i called XXXX XXXX XXXX collection department to verify it i gave the account number written from the letter i recieved and they ca n't find any account like that and i gave my SS # to them just to check if a have a pending balance with them and nothing showing on their system that i owe them anything. So i called diversified i spoke to XXXX initially i told him i want to clarify this account because i called XXXX XXXX XXXX prior to calling them and they ca n't find any records under this account and base on XXXX XXXX XXXX records i do n't owe then anything so he put me on hold and someone name XXXX ( manager ) is the one talking to me now he 's approach is kinda arrogant he 's saying that i just need to pay {$600.00} and he will close the account and i told him i have no problem paying it if i really owe something but my question is i do n't remember that i owe XXXX XXXX XXXX any amount and i told him that i verified it with XXXX XXXX XXXX and the account number is not showing, so i asked XXXX to give me the right number and he said that that is the right account number but the account number from the letter is 12 digits and XXXX XXXX XXXX need a 9 or 10 digit account number. And i told him before i pay something a have to verify it first and he said XXXX XXXX XXXX ca n't give me any information anymore because they are washing their hands!!??? i dont know what does he mean by that? and i even asked XXXX if he himself can call XXXX XXXX XXXX to verify it and he said they do n't do that and he just keep talking trying to intimidate and scare me by telling me that i owe this amount And he is insisting to just pay {$600.00} to close it. He said that this account is since XX/XX/XXXXand i asked him why just know i 'm recieving a letter and he said because i did'nt give them my updated address and i told him i stayed in the same address from XXXX and i just move to a different state last XX/XX/XXXXso why I did'nt recieved a bill from XXXX XXXX XXXX or a letter from them during those time why now and how and where did they get my current address and he did'nt answer to where did they get my new address. Now i 'm scared about my safety and they are violating my privacy because i 'm just surprised that they have my current address on their records to think between XXXXnow in this new State that i 'm leaving i moved 3 times now i bought a house and just moved in here less than 2 months they have my new address so it 's kinda scary and it 's bothering me how and where they get this new address to think that this is a new community and it 's not even showing in XXXX map if you search for it ..so they have the capacity really to get your personal information just like that invading your privacy and who knows what other information they have about me so it 's bothering and stressing me a lot worrying about my safety and security. So now i do n't know what to do with them ..XXXX even saying that XXXX XXXX XXXX changing their database that 's why my account is not showing anymore i mean how did he know that? I do n't want to pay this amount that i do n't even remember that i owe and i just do n't want to pay it by what a stranger just telling me!!
Company Response: Closed with non-monetary relief

Timely Response

2017-08-14

Coal Mountain, WV

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX first contact with DIVERSIFIED CONSULTANTS INC. was informed i owed {$550.00}. XXXX XXXX check credit report a collections was added for {$550.00} predated XXXX XXXX, was not on any previous credit reports. I feel my due process was violated by not sending me a debt validation letter for me to determine if it is a legitimate debt.
Company Response: Closed with explanation

Timely Response

2017-08-14

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I contacted the bureaus, and XXXX about a telephone bill that is not mine. I proved to them that I am victim of Identity Theft. An ID Theft Report was sent these companies, they could not validated the XXXX account which was purchased by XXXX XXXX. It seems XXXX has sold the account twice. The second company being DIVERSIFIED CONSULTANTS, which has inserted a negative mark on my credit.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-13

Ft Myers, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-08-13

Springfield, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I 've tried contacting the agency that the debt was placed to inform them that the debt is not mine, as I 've never had XXXX XXXX services. The debt is not mine.
Company Response: Closed with explanation

Timely Response

2017-08-13

Inglewood, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response