Diversified Consultants, Inc

2017-04-19

Shulerville, SC

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I have continued to request a copy of any documentation bearing my signature, showing I have a legally binding contractual obligation to pay the alleged account. I continue to get a printout of a blank statement with my name and address on it. No contract bearing my signature proving I have a contract therefore I want this account removed from all credit agencies.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-19

TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: XXXX XXXX XXXX has an account with my name and no Social Security number. The account was opened in Wisconsin and I assume whoever opened the account did not pay the bill or closed the account without paying the final bill. They sent the account to a collection agency who contacted me and I informed them that I have never even traveled to Wisconsin and that the account did not belong t me. I had them transfer me to a supervisor who told me I would need to file an identity theft case with local police and I explained I did not believe it was identity theft because they did not have the correct address or a social security number. I was then transferred to the compliance department who assured me they would not longer report the account to credit nor would they attempt to collect the account. They sent the account back to XXXX XXXX who sent the account to another collection agency. That collection agency was XXXX XXXX . The first rep I spoke to made me believe I needed to give her my email in order to clear up this problem. Once I gave her my email she then told me I would need to call XXXX XXXX XXXX and gave me the phone number of XXXX . I was furious and reminded her that she stated I would only be able to clear up the account by providing my email. I asked her why they were calling me and how they knew the account belonged to me. She began to verify my information. She had my social security number, and I asked for her how did they get it. She stated that XXXX XXXX provided the number. I has to speak to her supervisor and I spoke to XXXX XXXX XXXX . He stated the same as the previous rep that XXXX XXXX provided the social security number I asked to speak to someone who could explain how the first collection agency did not have social, but now there was XXXX on the account. I hung up and called XXXX XXXX where I spoke to XXXX in Fraud. XXXX verified that they did not have a social security number and she stated that collection agencies have their own ways of getting information. I called back to Diversified and w as transferred me to an XXXX who was supposed to be in compliance. He could not answer the question and transferred me to XXXX XXXX who was supposed to be a compliance specialist. She was unprofessional and did not want to answer questions. She stated that XXXX XXXX sent them social and I let her know that XXXX XXXX says they did not send the number with the account. I then realized they had pulled my credit. I asked XXXX had they pulled my credit and she kept saying over and over, " Why would we do that. '' I attempted five times to get her to answer the question and she would not tell me if they had pulled my credit or not. Finally, I asked her again if she was truly in the compliance department, because she was not being very compliant by not answering my question. She finally said she would look into it and told me yes we did pull your credit. I explained to her, that is how your company obtained my social security number. This all seems highly illegal to me. The only identifying information on this account is my name and they have now pulled my credit and added it to the account.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-19

Beyersville, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: DCI s ent an alleged debt notice saying I owed XXXX XXXX XXXX from my last bill. I sent proof of payment in full of my final bill and a refund check from XXXX XXXX XXXX to me from my final bill because I had overpaid. DCI is still not removing it from my credit reports after several notices from me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Magnolia, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: Account was paid as agreed.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Lithonia, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Bremen, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Disversified Consultants, Inc i s attempting to collect debts I do n't owe them at all. I never established a contract with this company at all. They are a debt collection company that purchased a debt from a company they claim I owe. Documents from the debt they purchased is not a legally binding contract to indicate that I owe them anything.They are in complete violation of the FCRA law and the status of limitation law is being violated also.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Leming, TX

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: XXXX representative knowingly lied during a verbal agreement on a recorded phone call. In an attempt to settle this debt I calle d Diversified Consultants t o setup payment arrangements. The DCI re p was XXXX XXXX . I told XXXX XXXX that I am currently not working, but that I could set up a automatic payment plan of {$20.00} a month to resolve it. Before I gave XXXX XXXX my credit card information I specifically asked him if the account was being sent to the credit reporting agencies. XXXX XXXX stated that as long as I did not default on my payment arrangement, it would not be reported. 2 payments ( 2 months ) into my payment plan I was alerted by my credit monitoring service that DCI had reported the XXXX XXXX XXXX account as a unpaid debt. I contacted XXXX XXXX at DCI t oday to try and resolve the issue, and he stated that he remembered our conversation from 2 months ago in great detail and that he did not say that my account was not going to be reported. DCI is refusing to remove the account from the credit reporting agencies, even though the account is paid off. DCI als o refuses to release/play/share the recorded phone conversation that includes the verbal agreement.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Robertsdale, AL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: Diversified Consultants h ave placed on all XXXX of my credit bureaus a collection that is not mine. I have called and asked for any information they may have such as a contract etc showing it is mine and they have refused only sending me a letter to send them a copy of my SS card and Drivers Lic. so they may ve rify it is mine. This is violating my credit report and causing me grief. I have also disputed this 4 times and they will not remove it.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-17

Jupiter, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called Diversified Consultants IN, account number XXXX and XXXX XXXX XXXX, account number XXXX. XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX but they did not. I tried to explain to XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Patterson, MD

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Complaint: did not receive any information or communication whatsoever about this debt collection.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Campbell, CA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

N Hollywood, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-16

Columbus, OH

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : DIVERSIFIED CONSULTANTS Account number XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-15

Brooklyn, NY

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-15

San Gabriel, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: On Saturday, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " XXXX '' credit bureau. However, on " Page XXXX of XXXX, '' under the " Account Review Inquires '' it unlawfully notes that a Debt Collection agency called " Diversified Consultants '' unlawfully accessed my " XXXX credit file and then posted a false " Collection '' notation on to it dated " XX/XX/XXXX. '' This " Diversified Consultants '' company intentionally violated my " Due Process Rights '' per the ( Federal ) Fair Credit Reporting Act because I was NEVER contacted in any way by this Debt Collection agency. Furthermore, it does NOT even state the alleged " Amount '' of Debt that it 's trying to collect NOR does it state " What '' type of Debt it is.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-15

Vicksburg, MI

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: I signed up for XXXX XXXX XXXX tv/internet then a week later got a job offer in another city where I now live, so I cancelled the XXXX XXXX XXXX service within the first month period. XXXX XXXX XXXX had a 1 month trial where it is free if you cancel in the first month ... Even though they claim its a free trial the terms require a {$50.00} " fee '' for the services in which I was happy to pay because I received service for the month. Not sure why they are claiming I owe {$100.00} or what it 's even for. I returned all my equipment and called them and was told I was all set ... This is a XXXX " bully the little guy '' in hopes the little guy pays instead of spending $ in the wasted time refuting the charge. XXXX did the same XXXX thing to me when I left them due to being overcharged every month .... The XXXX debt collection was removed from my credit report a little while back because they have no basis for a judgement, just like XXXX XXXX XXXX .
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: This account was paid in full.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Kawaihae, HI

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Talked to a third party about my debt
Complaint: -Collection agency continued to report my account to the credit bureau as under " collection '' for unpaid debt. Even though the account is under dispute. -The alleged debt that is being collected was disputed several times from multiple collection agency -According to the collection agency, the unpaid debt was with XXXX which was my wireless provider at that time.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-14

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: i reach out to DIVERSIFIED CONSULTANTS reguarding them reporting a debt to my credit report with a complete different social security number, had to call over three times to get the account info so i can call the creditor also was blind transfer to a manager voice mail.who was previous rude as XXXX, without a care in the world.everytime i try to make me pay for another account that was closed out for fraud already in a different state i dont live in..worst experience i every had dealing a collection agency.also i never recvd any calls nor validation of the debt know as validity to dispute this matter before reporting this matter as all..
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Bakersfield, CA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Lewisville, TX

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Having problems with customer service
Complaint: While I 'm half-way into completing the rest of the student loan payment. I got a call from Diversified Consultants Inc. and I have gotten these calls before. Which every customer is curious is to why these companies ca n't follow the laws and to comply with them.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

MI

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: In XX/XX/XXXX, I pulled my credit report using a credit monitoring service. Upon pulling my credit report I found that Diversified Consultant had placed an account on my report as a collection item for the amount of {$510.00}. On XX/XX/XXXX I sent a letter disputing the debit via certified mail, pursuant to 15USC162gSEC.809 ( b ). I never received any communication from Diversified Consultants nor did they provide any documentation, or proof of the debt. On XX/XX/XXXX I called Diversified Consultants at XXXX and spoke with a representative named of XXXX XXXX. XXXX confirmed that they had received my request, and had not responded to it. She noted that they do n't send off any information, that the account was closed out as a dispute and then sent back to XXXX. XXXX then stated that XXXX charged off the debit and they ( Diversified Consultants ) received the account again. When I asked why they are reporting this debit on my credit and they have not provided with the information requested she said she would mark the account as a dispute in her system. I am filing this claim as I have disputed this debit twice, and have yet to receive any documentation requested, yet Diversified Consultant has this account listed on my credit report as a collection account. I find Diversified Consultant in violation of the FDCPA section listed below. 809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Pikeville, NC

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: I called the company and they agreed to remove the account if I paid the amount that was settled for and its still showing up on my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Westerville, OH

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Buda, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response