Diversified Consultants, Inc

2017-07-19

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I noticed this debt added to my credit report in XX/XX/XXXX. I have not received any notices, letters, emails, or phone calls in regards to this debt from Diversified Consultants of XXXX, XXXX I 've disputed it with the credit reporting agencies. It shows it was added XX/XX/XXXX, but I am very aware and check in regularly with the credit reporting agencies to stay on top of what is being added or removed from my credit. This debt did not appear until XX/XX/XXXX. I have not been able to reach anyone or get a returned phone call from any representative of this organization, even upon request. I 've also emailed requesting proof or documentation of this debt and to speak with a representative. I still have yet to get any correspondence of any kind. It states that I owe the amount of {$160.00} to XXXX XXXX XXXX. However XXXX XXXX XXXX has not contacted me via email, phone, or written notices. I recently had XXXX company removed stating that I owed {$160.00} to XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX were XXXX account together. It was a bundle package, and was only XXXX bill/statement for both each month. This is harmful to my credit as it shows as a derogatory mark. I ended the services with them in XX/XX/XXXX, so I do not understand why almost a year later this would surface on my credit without any notices, letters, calls, or emails from XXXX XXXX XXXX or Diversified Consultants. XXXX XXXX XXXX has all current information to contact me and I have n't received anything from them. If this is in fact my debt I will pay it, I would just like documentation stating why I owe this and for what service. As I stated I ended services with them back in XX/XX/XXXX. Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-07-19

Austin, TX

Incorrect information on your report

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

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

Timely Response

2017-07-18

Soddy Daisy, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I received a letter from Diversified Consultants, Inc. dated XXXX XXXX , 2017 stating they represent a XXXX XXXX and that I owe their client {$45.00} on a very old XXXX former XXXX account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-18

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: There is a {$620.00} collection on my credit report for XXXX and I have never had XXXX I have never been inside of a XXXX store or had anything from XXXX but somehow now they are saying that I owe them {$620.00} and it 's a major hit on my credit report and it is n't me how can someone start an account without verifying my ID and verifying who I am
Company Response: Closed with explanation

Timely Response

2017-07-18

Decatur, GA

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

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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2017-07-18

Birds Lndg, CA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2017-07-17

ME

Incorrect information on your report

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

Account information incorrect
Complaint: I noticed a few weeks ago that I had a collection account from XXXX XXXX on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in XXXX of 2014 . I disputed the information and they agreed to remove it. They removed it from XXXX and XXXX but not XXXX . So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-17

San Francisco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: In or about XXXX 2017, I entered a XXXX store with my roommate at the time to transfer my account to her as I was moving to a different location. The customer representative assured me that there would be no issues. My roommate was approved. My account was closed and my roommate 's account was activated. I did not receive any notification from XXXX at that time or any later date that there was a remaining balance on my account that closed. <P/> In or about XXXX 2017, for the first time I received a notification from Diversified Consultants, Inc. ( a debt collection agency ) that a balance of {$260.00} remained on the closed XXXX account. This included a cancellation fee which the customer service agent in the XXXX store assured would not be applied because we were simply transferring the account to my roommate. <P/> On or about XXXX XXXX , 2017, I opened a new account with XXXX . XXXX told me that they could not install my account until the " balance '' from the previous account was paid off in full. I paid that account directly with XXXX and the XXXX representative advised me that they would inform Diversified Consultants, Inc. of the account being paid in full. <P/> On XXXX XXXX , 2017, my credit report still showed that I owed a balance. I filed a dispute with XXXX on that date. The dispute was denied on XXXX XXXX , 2017. On that date, I called Diversified Consultants, Inc. who stated that my account showed paid in full. They claimed to have reported the paid in full status to the credit bureaus. When I called the bureaus, however, they stated that as of XXXX XXXX , 2017 the last information they received from Diversified Consultants, Inc. showed I still owed a balance. <P/> I am incredibly frustrated by this process as this was a lousy utility bill and a miscommunication from XXXX , which is now resulting in a XXXX point drop in my credit score. I am also in the process of attempting to refinance my student loans and am being automatically denied because of the derogatory remark. This is unfair business practices by XXXX .
Company Response: Closed with explanation

Timely Response

2017-07-17

Lewisville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Unknown account and no way I owe this, requesting validation and verification.
Company Response: Closed with explanation

Timely Response

2017-07-16

Rockaway Beach, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: In XXXX XXXX 2017 i finished pay the full amount of {$330.00} wi th Diversified Consultants Inc. Cred itor : XXXX and the debt is continuing in my credit report like collection debt. I sent the proof to XXXX that i paid this debt and they didnt take out to my credit report like collection. Also i summited an dispute without positive result.
Company Response: Closed with explanation

Timely Response

2017-07-16

Lewisville, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: 609 Letters were sent to each Credit Bureau concerning third Party accounts ( Diversified Consultants , Inc. and XXXX XXXX XXXX ) that I have no account or contract with for removal of unlawful open/negative accounts.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-15

Yuba City, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-15

Andice, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-07-14

Mt Pisgah, IN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Diversified Consultants is reporting a collection account on my credit report ( for all XXXX credit bureaus ). I have never received any correspondence ( mail, phone or otherwise ) regarding this debt. The collection account reported is showing paid, but I have also never paid any money to this company for a collection account or any other type of payment. I have attempted to contact this company twice via certified mail have not received any response from them VALIDATING this debt. <P/> The first communication was sent on XX/XX/XXXX and was signed for on XX/XX/XXXX as proven with USPS tracking # : XXXX . In the letter I kindly requested they send me the documents proving the account they are reporting is mine. I waited the appropriate 30 days and received no correspondence from Diversified Consultants. On day 31 ( XX/XX/XXXX ) I pulled my credit reports and they had not marked the account disputed per FCRA requirements. On XX/XX/XXXX , I mailed the yet another certified letter which they signed for on XX/XX/XXXX as proven with USPS # : XXXX . In this letter I informed them of their violation of FCRA law and requested again that the debt be validated, sending me copies of documents proving this is in fact, my account. As of today, there has been no communication from this company regarding the VALIDATION of this debt and why they are reporting it on my credit reports.
Company Response: Closed with explanation

Timely Response

2017-07-14

Bedford Heights, OH

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2017-07-13

Bellflower, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-13

Mobile, AL

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

2017-07-13

Las Vegas, NV

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-12

Rncho Domingz, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-12

Ernul, NC

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2017-07-12

IN

Took or threatened to take negative or legal action

Debt collection: Other debt

Collected or attempted to collect exempt funds
Complaint: XXXX XXXX talked me into a contract on phone service I did n't want in year 2013 or earlier. They keep billing me and collects payments from me and my payee to a debt collector called Diversified Consultants. They told me I now currently owe them {$710.00}. Also XXXX says I owe them {$120.00} and sent me over to a debt collector just because I no longer wanted there service to XXXX. I feel this is not right because I have no service with any of them right now and they are taking money from me.
Company Response: Closed with monetary relief

Timely Response

2017-07-12

Washington, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-07-12

Atl, GA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with non-monetary relief

Timely Response

2017-07-11

Buena Park, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-07-11

Forney, TX

Written notification about debt

Debt collection: I do not know

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

Timely Response