Diversified Consultants, Inc

2017-07-11

Staten Island, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I applied for a mortgage at the beginning of this year with XXXX XXXX . I had an issue with my credit report that I was unaware of. I apparently had XXXX outstanding XXXX accounts amounting to {$740.00} that I do not owe. I 've never had a landline or cell phone with XXXX . XXXX On my credit report, it states XXXX account was opened on XX/XX/XXXX for a XXXX XXXX for {$590.00}. Then, XXXX {$150.00} opened o n XX/XX/XXXX . XXXX When I called XXXX , they gave me an account number associated with the account : XXXX . But they told me they could not help me resolve this issue since the account had been sold to a third party collection agency. XXXX I started seeing a financial counselor to help me with this issue.
Company Response: Closed with explanation

Timely Response

2017-07-11

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

2017-07-10

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

2017-07-09

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I 've notified the company numerous times, that I did n't owe this bill. I complained to the bbb and diversified consultants, stated they would remove it from my credit files, but as of today it 's still showing on my report. This was a result of Fraud, I live in Georgia. This bill happened in Florida.
Company Response: Closed with explanation

Timely Response

2017-07-09

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX has now sold this unsubstantiated debt now a 3rd time. I hav asked XXXX XXXX XXXX to send me th supposed orignal contract i signed, and of course none of them do or can ... first it was sold to XXXX XXXX -- i made a complaint- and their response was to stop the wrongful collection -- - then XXXX sold it to XXXX XXXX -- who again- could not validate the debt -- - after i made a complaint against them ... that was about a year ago.. and they agreed to stop harassing me and closed their file -- now XXXX is at it again -- -- sold it to a third collection agency XXXX XXXX ( XXXX ) XXXX acct # XXXX- I explained the situation to them, and they also can not validate the debt - i told them as well show me a contract i signed -- -- i did not and never did order this service.. <P/><P/> For your reference -- prior complaints numbers for this same wrongful debt collection.. the XXXX complaint number is # XXXX this complaint was made on XX/XX/XXXX They ceased collction and then started again and another complaint was madeXX/XX/XXXX # XXXX- they finally stopped their wrongful collection. <P/> XXXX XXXX was also trying to collect this debt early XX/XX/XXXX and i made a complaint # XXXX also on XX/XX/XXXX- they also agreed to sopt collection this debt i do not owe. <P/> thank you XXXX XXXX 8
Company Response: Closed with non-monetary relief

Timely Response

2017-07-08

Burl, NC

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

2017-07-08

CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have no acknowledgement of this account. I have never received a bill an account opening letter, NOTHING!! The original company is XXXX. In which I have requested that I receive documented prove that I Myself opened this account. I am aware that proper Identification is requested at time of purchase of any cell phone service. And now Diversified Consultnts claims I owe {$560.00}
Company Response: Closed with non-monetary relief

Timely Response

2017-07-07

Brooklyn, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I received an alert from all 3 credit bureaus that a collection was added from Diversified Consultants XX/XX/2017. The amount is for {$940.00}. I have never heard of this company and I have n't received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit reports. I demand this account be removed from all 3 of my credit reports immediately and be given the opportunity to dispute this alleged debt.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-06

MO

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: I have filed several complaints against Diversified Due to them ignoring my requests of validation to this alleged account they are reporting on my credit report and keep saying to contact XXXX when they are reporting on my credit report with no documents but an itemized bill which is hearsay no signature of any kind to back up their claim so I have send them letters also certified keeping track of every letter and correspondence the letter tracking number XXXX I have send them requesting proper validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the correspondence local state laws. I have requested " validation '' that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay but they still have refused to and all they send is an itemized bill which is not proper validation. Instead they keep ignoring my request and refuse to properly validate. An itemized bill is hearsay. Please note that as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation.
Company Response: Closed with explanation

Timely Response

2017-07-06

Plymouth, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Saw a hit on my credit bureau from a collection company. I called the number and was told they were collecting for XXXX XXXX. I advised that the debt was not mine and I had never received notice of debt before going on my bureau. They told me they had the wrong address which is why they did not notice me. I told them to remove debt and they refuse.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-06

LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I recieved a letter stating i owe {$160.00} to Diversified Consultants on behalf of at & t.Im not familiar with this bill nor these companies.
Company Response: Closed with explanation

Timely Response

2017-07-06

White Lake, MI

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-07-05

Harrisburg, PA

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

2017-07-05

Bloomington, MN

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Complaint: The company XXXX XXXX was contacting me and attempting to collect a debt for my father, XXXX XXXX without his or my permission or consent.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-05

TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XXXX, XXXX I placed an order for XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Shipped a box to me with the equipment to use. On XXXX XXXX, XXXX, An XXXX XXXX XXXX installer came to my house on the day of the appointment. He told me that the signal in my neighborhood was so weak, that I would not be satisfied with the service. Based on his recommendation, I agreed for him to cancel the service before it was installed. He told me he cancelled it from his truck. On XXXX XXXX, XXXX, I returned the unopened box of XXXX XXXX XXXX equipment to the XXXX store as directed by the XXXX XXXX XXXX installer. The XXXX XXXX was never installed and I returned all of the XXXX XXXX XXXX equipment. On XXXX & XXXX, I received two bills from XXXX XXXX XXXX for this service. I called their customer service department each time. I explained the situation both times, and they advised me both times that they would credit my account, and I have a XXXX balance. However, I received a third bill, so I sent a certified letter to XXXX XXXX XXXX to their listed address on XXXX XXXX XXXX. I responded to them providing all documentation that the service was never installed, never used, and the unopened box of XXXX XXXX XXXX stuff was returned to XXXX XXXX XXXX via XXXX according to the instructions by the XXXX XXXX XXXX installer. Because the XXXX XXXX XXXX installer recommended that the XXXX XXXX XXXX order be cancelled, I ordered internet service from XXXX XXXX in XXXX, TN. Their service was installed in my house on XXXX XXXX, XXXX. According to FDCP, I disputed the debt and asked them to respond within 30 days. XXXX XXXX XXXX failed to respond. I did not hear from XXXX XXXX XXXX, but I was contacted by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX Creditor XXXX XXXX XXXX XXXX XXXX, Creditor Account # XXXX, XXXX Account # XXXX I wrote a letter of dispute to XXXX XXXX XXXX on XXXX XXXX, XXXX. Under the fair debt collection practices, I requested the following documentation : 1. I requested a signed agreement from XXXX XXXX XXXX that authorized them to collect on this alleged debt. 2. I requested a signed agreement that bears my signature wherein I agreed to pay XXXX XXXX XXXX upon completion of the installation ( Note : the system was never installed ) 3. I requested an itemized complete charges and payment history on this account to prove that the debt amount is correct. 4. I requested an affidavit from the installer verifying the system was never installed, and he cancelled the order while at my house. 5. I requested audio files of each of my phone calls to XXXX XXXX XXXX contesting these charges since XXXX XXXX XXXX states that they record all of the telephone calls to customer service. I never heard from XXXX XXXX XXXX again. They failed to respond within the 30 day grace period. Then on XXXX XXXX, I was contacted by a different collection agency : Diversified Consultants, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, Reference # XXXX, Creditor Account # XXXX I wrote a letter of dispute to them on XXXX XXXX, XXXX explaining the entire situation. I also requested the same documentation that I had requested form XXXX XXXX XXXX. They failed to respond to my request within 30 days. I did not have any communication with Diversified Consultants until the 3rd week of XXXX. They claimed that XXXX XXXX XXXX rejected my claim, but was offering a reduced settlement payment. I refused to pay for service I did not receive. I sent a letter certified mail - to both Diversified Consultants and XXXX XXXX XXXX advising them that they failed to respond to my letters requesting specific documentation validating their claim within 30 days of my request ; Each of them have demonstrated that they have been unable to validate the debt and therefore I consider this matter closed. This is the proper procedure according to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have sent both collection agencies copies of my bills for internet service from XXXX XXXX to show I am an internet user with a different company. I advised them that all further collection attempts must STOP. If they reported me to any credit reporting agency, they should inform them that this debt is not valid. I requested them to provide proper documentation to me of proof that they have done so. Furthermore, they should notify XXXX XXXX XXXX informing them this issue is resolved, and I have a XXXX balance. I am requesting a confirmation letter from them or XXXX XXXX XXXX confirming this matter is resolved and there will be no other attempts to collect by XXXX XXXX XXXX, them or some other collection agency, or through any legal proceedings. Yet, today I received another letter from Diversified Consultants after I demanded all collection activities must stop. XXXX XXXX XXXX Failed to respond to my letter of dispute with-in 30 days. XXXX XXXX XXXX Failed to respond to my letter of dispute with-in 30 days. Diversified Consultants, Inc. Failed to respond to my letter of dispute with-in 30 days. According to the FDCPA, You can, within the first 30 days, demand that the collector validate the debt for you. That is, prove that there is a debt that you owe. If you send in a timely dispute, the debt collection agency must stop collecting the debt until they have provided that validation. If you send in a timely dispute, the debt collection agency must stop collecting the debt until they have provided that validation. Failing to do so, the debt collector violates the Fair Debt Collection Practices Act.
Company Response: Closed with non-monetary relief

Timely Response

2017-07-04

Bedford, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$510.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Company Response: Closed with explanation

Timely Response

2017-07-04

South Florida, FL

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
Complaint: On XXXX / XXXX / 2017 , I sent a letter to Diversified Consultants asking them to validate a collection that is being reported on my credit report. I neve r received a response. XXXX On XXXX / XXXX / 2017 , I sent a second letter t o Diversified Consultants asking them to validate the same collection that is being reported on my credit report. I still hav e not received a response.
Company Response: Closed with explanation

Timely Response

2017-07-04

Arlington, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-07-03

Austin, TX

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-07-02

Charlotte, NC

Threatened to contact someone or share information improperly

Debt collection: I do not know

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

Timely Response

2017-06-30

Duncanville, TX

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 non-monetary relief

Timely Response

2017-06-30

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I do n't have a contract with Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it was added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt. Received correspondence from Diversified Consultants via the CFPB portal on X/XX/2017 that they would cease collection efforts and remove this collection from all credit bureaus. This morning, I received a credit monitoring alert that this collection was just added back on without my knowledge.
Company Response: Closed with non-monetary relief

Timely Response

2017-06-30

Lexington, KY

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I have been contacted by Diversified Consultants in regards to XXXX. XXXX XXXX never reduced my bill the amount that I was told for 3 months straight that it would be by switching to their new owner XXXX I switched to a new company for cable service due to this experience. I told them that I do not owe the final amount based off what my payment should have been. I have been receiving up to 5 phone calls a day from Diversified consultants. I explained the situation and that I would be paying the final amount due to the error in billing. The agent became loud and derogatory. I asked that I not be contacted again in regards to this matter. I receive these phone calls every week Monday through Friday while I am at work.
Company Response: Closed with explanation

Timely Response

2017-06-30

Flushing, NY

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

2017-06-29

Gore Springs, MS

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