Diversified Consultants, Inc

2017-05-16

Jackson, TN

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-05-16

Union City, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-05-16

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-05-16

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
Complaint: I have contacted this company on SEVERAL occasions to fix this issue, but I am always either ignored or sent paperwork that has nothing to do with solving my issue directly with this company. They are reporting a collection that is not my account on my credit file. They never contacted me to tell me they were putting this on my report, which according to the FCRA they are supposed to do so within 5 days. Also, they have absolutely NO documentation that this account is mine. I have a very common name, but that 's no excuse for attempting to ruin my credit reputation with potential lenders. I have never had XXXX , and while communicating with diversified consultants, they 're telling me to discuss this issue with the other company. Well, the other company is not reporting false and illegal information on my report. THEY ARE! I have asked for verification on several occasions, and all that I 'm sent is someone 's bill. I have sent documentation of the phone service that I 've had for 10 years with no gaps in time whatsoever to prove this account is not mine. They were asked to verify this debt by the proper FCRA guidelines, including but not limited to, color photo copies of my signature, license, contract, etc, NONE of which has been provided. This is my LEGAL RIGHT to have this information they claim to have, yet I 've been ignored for months, which obviously means they do not have said information because IT DOESNT EXIST! How can it be justified to attempt to ruin my credit reputation without justification or legal documentation?
Company Response: Closed with explanation

Timely Response

2017-05-16

Lafayette, 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

2017-05-16

Norwalk, CA

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

2017-05-16

Cincinnati, OH

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

2017-05-16

Albuquerque, NM

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-05-15

MS

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Phone calls trying to collect {$250.00} throug h Diversified Consultants at XXXX for XXXX XXXX . I pay my bill by automatic withdrawal each month and do not have a balance. I informed XXXX XXXX of these calls and they are not aware of this collection agency nor have they contacted a collection agency. I do not owe this money this company is trying to collect. I believe this is a phone scam to collect personal account numbers in order to commit fraud.
Company Response: Closed with explanation

Timely Response

2017-05-15

San Diego, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants re cently started trying to collect a XXXX debt I do not owe and reporting to credit agencies. I had a XXXX account once in my life fifteen years ago in XXXX for four months while I lived in XXXX XXXX , XXXX for an internship in XXXX XXXX . When I canceled my account, I returned all equipment to XXXX . However, I received a bill for the cost of the equipment I returned. After literal hours and hours on the phone with customer service in XXXX of XXXX , they located the returned equipment and marked the account as paid. I never received another bill. In XXXX , I noticed a different debt collector reporting a XXXX debt. I disputed the debt and it was removed from all XXXX credit reports. N ow, Diversified Consultants is trying to collect this debt that I never owned and still reporting to credit bureaus despite my trying to dispute. I do not owe this debt. Regardless, it is past statute of limitations to collect and is unreportable to credit agencies as any it would be 15 years old. I do n ot have records due to the old age of the incorrect debt.
Company Response: Closed with non-monetary relief

Timely Response

2017-05-15

Memphis, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I really was n't sure which subject to pick, but here is what happened. I had cable service with XXXX XXXX XXXX and canceled my service I believe in XXXX XXXX XXXX leaving a XXXX balance. And had service connect with XXXX XXXX which had purchased XXXX XXXX XXXX at the time. So XXXX XXXX XXXX sent me a bill initially in the amount of XXXX so I called and inquired about it. I called on XXXX / XXXX / XXXX and spoke with a XXXX , she informed me that it was for equipment ( modem ) and that I just need to return it to any XXXX store and they will ship it. So that 's exactly what I did. I took all their equipment to the XXXX store on XXXX . And upon leaving XXXX I was told to be sure to keep up with my receipt because XXXX XXXX XXXX has been known for this very thing, of accusing people that that owe for equipment. Because they do n't scan it in or anything, they just throw the equipment in a box. I reached out to XXXX XXXX XXXX again in XXXX XXXX when I received mail from them saying I owed. I spoke with an XXXX if I 'm reading my notes correctly and she told me she sees where I turned the equipment in and apologized for the error. So XXXX XXXX around I I receive a letter from the collection agency about owing XXXX so I told her I do n't owe and she asked was I disputing the claim and I said YES and she told me she would send it back to XXXX XXXX XXXX and they would get back to me. I have XXXX to hear anything from them but in the process of trying to straighten up my credit, checked my report and see this XXXX on here. I have pictures of allllll the equipment and serial number of the equipment RETURNED. And I 'm not sure but if I owed XXXX XXXX XXXX they would n't still be sending me advertisement trying to get me to get internet through them. And I have tried several times to contact XXXX XXXX XXXX but they have an awful automated system and I have n't been able to speak with an actual human. I have no problem paying the debt IF I owed it BUT I do n't and this really irritates me. I 've kept up with a few notes I made to myself that I have attached below. I also attached a couple of pics of the equipment serial numbers that I dropped off.
Company Response: Closed with explanation

Timely Response

2017-05-14

MO

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I recently reviewed my credit report and seen an alleged account from this company. I do n't recall signing any contract with this company.
Company Response: Closed with non-monetary relief

Timely Response

2017-05-14

MO

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I recently reviewed my credit report and seen an alleged account from this company. I do n't recall signing any contract with this company.
Company Response: Closed with explanation

Timely Response

2017-05-14

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: In mid XXXX I cancelled my XXXX XXXX XXXX home phone service.My bill was automatically deducted from my XXXX checking account. When cancelling I agreed to a service with XXXX XXXX XXXX to hold my present phone number for a year for XXXX dollars a month. When I cancelled I checked and my home phone could not receive or make outgoing calls from the date I cancelled. In XXXX I received a phone bill for service from XXXX to XXXX XXXX XXXX for {$71.00}. My phone was shut off in XXXX and did not make or receive any phone calls.On my phone bill dated XXXX XXXX to XXXX XXXX XXXX it list a payment received for $ XXXX the same bill it list a credit owed to me for $ XXXX .I la ter received a check for that amount I called XXXX XXXX XXXX and asked how I c ould owe money and be owed money at the same time. They said they would take care of it XXXX XXXX XXXX to XXXX XXXX XXXX my statement listed a charge of $ XXXX ..It listed a credit of {$46.00}, an adjustment of {$140.00} and a balance of {$100.00}. It list a refund of {$46.00} paid to me by check.It listed a return check of {$71.00} and a returned check charge of {$30.00}. I did not receive any checks for {$71.00} nor did my checking account where my bills were automatically taken from list any deposits fro XXXX XXXX XXXX into my account. The important thing to remember is my phone was shut off in XXXX and should not have been billed any charges other than the {$5.00} fee for holding my phone number for a year. Incidentally I also cancelled this service in XXXX when the billed my for a full month of usage for a disconnected phone.I paid my full phone bill in XXXX and should have only received a bill for a partial month up to the point of cancelling my phone service.In XXXX {$24.00} was taken from my account for what I presume to be a partial months service from XXXX until the day XXXX cancelled in XXXX . My XXXX phone usage bill was paid in XXXX , My XXXX partial month usage bill was paid for partial use in XXXX and from that point no charges should have been.owed.Where did the {$71.00} charges come from and then charge me for a returned check fee of {$30.00} for phone usage on a disconnected phone They referred the {$100.00} bill t o Diversified Consultants Inc XXXX XXXX XXXX , XXXX FL. XXXX XXXX , Phone XXXX XXXX . I sent them a check for {$100.00}. .My phone account number is XXXX XXXX XXXX XXXX XXXX . My Name is XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX Ohio, XXXX , Cell phone XXXX XXXX XXXX .
Company Response: Closed with monetary relief

Timely Response

2017-05-13

Texarkana, TX

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 non-monetary relief

Timely Response

2017-05-11

PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Diversified Collections just reported that I have a balance owed to XXXX XXXX on my credit report. On top of not having a balance owed to XXXX XXXX , Diversified never gave me a notice of my right to contest the debt, prior to it appearing on my credit report. It just showed up one day.
Company Response: Closed with explanation

Timely Response

2017-05-10

Cairo, WV

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have been contacted by a collection agenc y, Diversified Consultants, in representation of XXXX about a bill that they say I owe on account that was closed in XXXX XXXX . This account was closed with the amount of XXXX . due. Which I was willing to pay, however I received a bill from the first collections agency " XXXX XXXX '' on XXXX / XXXX / XXXX for the amount of {$420.00}, which is double what the service bill was actually for. Then on XXXX / XXXX / XXXX I receive a new bill from Diversified Consultants telling me I owe {$810.00} which is now almost 4 times the a ctual service amount due. I refuse to pay this balance because it is incorrectly being billed. I have contacted Diversified via letter and they have responded back with an invalid " made up '' final copy of my XXXX XXXX because this is one I 've never seen nor could I imagine it going up when the account was closed. I have attached all documents including a check stub from the FTC about these same collectors a nd their invalid information regarding XXXX where I was paid a settlement amount. I refuse to pay this and deal with this so I am reporting them to you. I would like them to remove this account from my credit report and also advise them whatever " records '' they say they have blocking me from ever getting a XXXX phone account again, relinquished. I also want a formal letter from them responding that this has been completed. All verification documents are attached.
Company Response: Closed with non-monetary relief

Timely Response

2017-05-10

Fontana, CA

Communication tactics

Debt collection: Other debt

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

Timely Response

2017-05-10

Queens, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Debt Collector has reported me delinquent w ith two 3rd part y Credit agencies with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. I have received no validation notice proving this debt belongs to me nor have i been given a chance to dispute this debt before Debt Collector reported this debt negatively to the credit bureaus.
Company Response: Closed with explanation

Timely Response

2017-05-10

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The aforementioned credit collection agency representing whomever you r Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX , XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Diversified Consultants does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to p ay ) th ey need to retract this from my credit file immediately.
Company Response: Closed with explanation

Timely Response

2017-05-09

Newport, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: My complaint is with XXXX , my wife and I leased a townhom e in XX/XX/XXXX with a one year lease at the time we were told that we had to use XXXX in that area because XXXX were not allowed. We called them for tv, internet service for a year and i n XX/XX/XXXX I called them and ask them to discontinue service which they said they would and ask me if I would keep XXXX and I explained to them that their services were not available in the area we had purchased our new home. the in XX/XX/XXXX I received a bill for upwards of {$600.00} I called and they said I had not returned my equipment, I thought we had but I went thru everything left and found the equipment and returned the equipment on t he XX/XX/XXXX . I then go t a bill for {$360.00} and was told everything was not adjusted and they said you did not pay the last month and I explained to them I pai d 2 pay ments in XX/XX/XXXX a nd did not owe them, now they have informed that my call to them to disconnect the service in XX/XX/XXXX did not count as they billed me for both XX/XX/XXXX and I guess half XX/XX/XXXX a nd said they could bill until I returned the equipment I ask for a copy of this in my contract that was signed with me and was told thats what the notes say I dont think that is much of a contract I was also told they would review the phone call where I called to cancel but now they say they no longer have the phone call, I have spent several hrs time on this and would like to have this corrected at once. XXXX XXXX XXXX was th e mgr I spoke with, she also called and left me a message and ask me to send her other documentation that we had moved when I called and she would see if she could get this corrected I have called several times and left messages and have not received a call back.
Company Response: Closed with non-monetary relief

Timely Response

2017-05-09

Palmer, AK

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Today XXXX XXXX XXXX I received a call from XXXX . They asked for XXXX XXXX and I said ( without thinking, he is my father ). The person then said this phone call is recorded and then hung up. I may have a sked what this was about. I do n't exactly recall. I called the number back and found it is from Diversified Consultants in XXXX WA. Given that my father is XXXX I wanted to know if this outfit is scamming him or hounding him. Given what I know of these types of companies I want to ensure that they don not take advantage of him or bother him. Also I did not try to talk to them because there have been outfits like this that will not divulge anything to me.
Company Response: Closed with non-monetary relief

Timely Response

2017-05-09

LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I checked my credit report and there 's a collection for XXXX . They refuse to show me any documentation. I just turned XXXX in XXXX . There 's no way I authorized this account.
Company Response: Closed with explanation

Timely Response

2017-05-09

Brentwood, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services
Company Response: Closed with explanation

Timely Response

2017-05-08

Union City, GA

Written notification about debt

Debt collection: Other debt

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

Timely Response