Diversified Consultants, Inc

2017-04-11

Bremen, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Diversified Consultants is attempting to collect a debt that I do n't owe and I never established a contract with this company. Furthermore this company is reporting a negative tradeline onto all XXXX of my credit reports which is violating the FCRA law.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Magnolia, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I am a victim of identity theft and noticed a collection from Diversified Consultant. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Diversified consultant in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-11

Houston, TX

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

2017-04-10

Washington, DC

Communication tactics

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

Threatened to take legal action
Complaint: I went to my bank to refinance my car. When my credit was pulled I had a collection account on my credit. When they showed me the credit report it was from a company I was unaware of. When I contacted the collection agency they told me the bill was for an old XXXX bill and they was collecting for them. I also asked them how they reported this information to my credit report when I never received anything in the mail. They informed me of an address I never lived at. When my credit report clearly has my correct address. So they never gave me a chance to respond to the debt. I acknowledge I had an old XXXX bill but was unaware of the amount. I agreed to pay half because at this time I felt like a had no choice with it being on my credit report. They took the bill down to 50 % off and they told me I would receive an email of the debt being paid. They also told me they would dispute taken the collection off my credit report. However, since I have spoke with them a week ago. I have not receive any email of my payment and no removable off my credit report. I am not sure if this was a legitimate bill and just a scare tactics for me to pay the bill. I need help with this issue because I thought with the Fair Credit Reporting Act they have to try to contact me via mail before its put on my credit report. Also once I paid the bill I should have received an itemized bill. But when I spoke with them about this bill they did not care or about the laws. Please help me with this issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

Ft Belvoir, VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-07

Jackson, MS

Communication tactics

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

Called outside of 8am-9pm
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

Clayton, MO

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: I do not have a contract with Diversified Consultants. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. They are reporting on all XXXX of my credit reports and they need to be removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Diversified Consultants is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a comcast rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit. I filed a complaint on the first company they sold the det to Diversified Consultants Inc and I am filing a complaint to everyone. This is not my debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Indianapolis, IN

False statements or representation

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

Attempted to collect wrong amount
Complaint: Company is re-aging debt that should be listed as XX/XX/2012 as first delinquency. Showing on credit report as a new collection with date reflecting new date.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Fort Pierce, FL

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

2017-04-06

FL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I initially did a dispute through XXXX and XXXX and XXXX to verify this account. It was considered unverifiable and removed from my credit report in XX/XX/XXXX, After sometime the account was readded without notice.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Thompsons Station, TN

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: XXXX service was cancelled back in XX/XX/XXXX. They sent me a bill ( I do no longer have ) describing charges due for equipment not returned. Equipment was eventually returned. I made several attempts through the past 3 years to get this debt resolved to no avail. This was then turned over to Diversified Consultants in XX/XX/XXXX. I had not received anything via phone or email regarding the change. XXXX would not longer speak to me on the manner. I finally found the information on my credit report as I am trying to refinance my mortgage and improve my credit score. I spoke to them on XX/XX/XXXX. They advised that the debt was for last month bill. This is not what XXXX advised me it was for. I decided to pay the amount in full to get this completed even though equipment was returned and final bill was paid prior. This is newly on my credit report and I need to have it removed ASAP. It has been fully paid. They advised they could only issue deletions after 90 days. I need ASAP.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-05

Cocoa Beach, FL

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

2017-04-05

Orlando, FL

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: Yes Timely Response

2017-04-05

Scottsdale, AZ

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: Diversified Consultants Inc has continually called me 5-6 times a day after repeatedly being told never to contact me via phone. They refuse to aknowledge the company they are wokring for when calling and hang up when questioned.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Rockford, IL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I sent a written verification/validation request after receiving a collection letter from Diversified Consultant in regards to a XXXX XXXX account. In my request I asked for documentation that shows a signed contract between XXXX and myself and also documentation showing any physical identification that was used to obtain the account. Diversified Consultant responded back and only included a billing statement showing the amount supposedly owed to XXXX XXXX. I have no knowledge of an account with XXXX XXXX and have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultant. Currently XXXX XXXX is reporting a delinquent account to my XXXX credit bureaus but can not and has not provide me with verification as required by law. This negative reporting needs to be deleted off all XXXX reporting agencies unless XXXX XXXX or its collection agency Diversified Consultant can provide me with physical proof in the form of a signed contract with my signature and identifying photo ID and social security card that was used to obtain this account
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Agua Dulce, CA

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

2017-04-05

Jacksonville, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: This debt was originally with a company called XXXX, they contacted me in XX/XX/2016 to collect the debt for XXXX. On this phone call I explained my situation to them which was I had dropped a phone that had about 8 months left on its contract and payment plan into a cup of water. Being that majority of my plan paid out I was willing to pay the remaining balance on the phone that I had damaged but I wanted my service cancelled because it was no longer working. The man I spoke to at XXXX agreed to make sure the service was verified cancelled before I made my the payment to them, so after about 10 minutes on hold and him speaking to his superior he said that they went ahead and contacted XXXX and had marked my account to be cancelled upon payment. It was at this time we settled on a payment of XXXX dollars which I made in 3 payments over 5 weeks. I have the bank statements to prove these payments were made. Shortly after I made these payments I checked my credit report to make sure it had been removed and it had not. It was at this time over 6 months ago now that I filed a dispute explaining all of this, after 2-3 weeks I got an email updating me that the derogatory mark would be removed and I had won the dispute and the creditor agreed to remove this from my credit report. About a month or 2 had passed and I got a phone call, now it was from this current debt collector I explained everything to the woman on the phone and she basically told me to go dispute it again if I want or pay them but that I 'm better off paying them. That is not okay, I settled on this debt, I paid the settled on amount, and now this is ridiculous. This debt is sold and bought for pennies on the dollar to try and collect from the next one. I 'm not paying this debt when I already paid it.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

N Las Vegas, NV

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Dallas, TX

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Indianapolis, IN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I have never gone for international service and I am charge for wrong charges which was clear and explained in XX/XX/2015. And I see its yet to get close. its harassment.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Marietta, GA

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-03

Largo, FL

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

2017-04-03

Atlanta, GA

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

2017-04-02

Blue Springs, MO

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: " I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX, and they appear to have sold it to Diversified Consultants Inc, therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me '' and being that it was removed from my XXXX credit report it needs to be removed from the XXXX credit bureaus XXXX and XXXX
Company Response: Closed with explanation

Disputed: No Timely Response