Diversified Consultants, Inc

2017-04-02

Euless, TX

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2017-04-02

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have requested validation of debt and all I keep getting from the company is a bill saying that they have validated which the person is not me. I ask for proof bearing my signature and they continue to show me nothing. but just say it been validated that its me and the letters and phone calls continue.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-01

Key Biscayne, FL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: XXXX XXXX XXXX ( account # XXXX ) claims I owe them {$160.00} and XXXX XXXX XXXX either sold the debt or contracted with Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX to collect such amount. I believe I paid XXXX XXXX XXXX in full and I know I returned all their equipment. Therefore, on XX/XX/XXXX 2017, I disputed and requested a verification of debt via certified mail. Never received such verification or why do they believe I owe them any money. However, Diversified Consultants keeps on listing this collection action in my credit reports. I have copies of my letter, certified mail, and proof of delivery.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-01

Euclid, OH

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Diversified Consultants has fraudently reported a paid collection item in the amount of {$820.00} on my credit bureau reports ( XXXX, XXXX, XXXX ) for which it does not own. The account in question was an XXXX cellular account sold to XXXX for collection of payment. The payment was made on XX/XX/2016 to XXXX thus closing the account for payment in full with no credit reporting PERIOD .The fraudulent actions of Diversified Consultants include violations of the FCRA reporting a shadow debt it did not own and continuing to collect on by reporting to the credit bureaus. I have included for review a copy of the bank statement showing proof of payment to XXXX and letter of validation from XXXX acting on behalf of XXXX.If in fact Diversified Consultants owned the debt, collection and subsequent payment would have ceased or canceled due to transfer of the debt.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-31

FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: They kept calling me telling me to pay for this bill or ill go to court i paid the amount they gave me to pay so this needs to be over
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Newnan, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have disputed this money that they say I owe.each time I dispute this on my account the original dates change This has been on my account and have been sisputing since XX/XX/XXXX now since the last dispute they are showing the date of the year XX/XX/XXXX.I have also asked this to be verified with the a signed contract with my signature with all XXXX credit bureau which has not been presented. I want then to stop and remove from my credit report or provide a signed contract which I have never done with this company.Diversified Consultant in XXXX Fl
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-31

Ft Lauderdale, FL

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: XXXX keep continuing to send a collection debt to collection agencies who in turn keep reporting on my credit report that I owe XXXX {$250.00}, for an account that was opened " apparently in my name '' ( NONE of the collection agencies EVER provided PROOF that I EVER signed any contract or agreement with XXXX ) in the period between XX/XX/XXXX and XX/XX/XXXX which I was overseas for that period completely. I fought the collection with the credit agencies many times and it has been removed every time I fight it. But XXXX keep hiring collection agencies to collect the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-30

Cedar Grove, LA

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

2017-03-30

Roswell, 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

2017-03-30

AZ

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

2017-03-30

Anaheim, CA

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: This company has suddenly placed a negative listing on my XXXX credit report saying they have a collection account opened on XX/XX/2017 and that I owe a balance of {$730.00}. The listing did not appear in XX/XX/XXXX, but in late XX/XX/XXXX. I do not know what this debt is, do not recognize it in any form or fashion, and do not believe I owe this company any money. Furthermore, I have NEVER been contacted by this company in regards to supposed alleged debt, or notified of any collections activity. Nothing in writing has ever been sent to me to notify me of any attempts to collect where I could exercise my legal rights to verify or dispute, before placing damaging, inaccurate information on my credit report. This is in direct violation of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. This inaccurate, unverified information, of which I was never notified, needs to be removed from my report immediately, and the company needs to follow the law in regards to it 's collection practices and make sure debts are valid, and the consumer is contacted and given an opportunity to dispute, before reporting to any credit bureau.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-29

Bexley, OH

Communication tactics

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

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Sanford, FL

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

2017-03-28

Evanston, IL

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: Yes Timely Response

2017-03-28

Richmond, TX

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Oak Grove, MO

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Diversified Consultants Inc. ( DCI ) pilfered my rights as a consumer as a result of not following the laws of FDCPA. DCI did not provide proper notification ( a dunning letter ) to allow me the right to dispute the validity of this supposed debt ( they claim I owe DCI ) before reporting this account to my credit report on XX/XX/XXXX ( according to my credit report review ). DCI has not provided proof that a dunning letter was sent and received before reporting this account on my credit report, despite my current and permanent address being accessible from my credit report. Upon my own request ( following a credit report review ) after my consumer rights have already been violated, I requested debt validation from DCI in XX/XX/XXXX. Diversified Consultants Inc. has not provided the proper documentation that illustrates I am financially obligated to pay Diversified Consultants Inc . I have attached the documentation that was provided to me that does n't have accurate information in regards to my personal information ( my residence during that time frame ). Furthermore, this documentation shows no financial obligation on my part to Diversified Consultants , Inc . This documentation has no evidence that ties me to this debt or DCI besides my printed name. The documentation they have provided is not adequate debt validation.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

IL

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I was surprised to find a debt on my credit report from XXXX with Diversified Consultants Inc ( DCI ). I had phone service through XXXX through the end of XX/XX/XXXX, but had canceled my service and switched providers. The account went into collections, but I never received any kind of notice from DCI that it was being collected on ( either by mail or phone ). On XX/XX/XXXX I called XXXX and spoke to a customer service representative who told me that if I agreed to pay XXXX, before I actually paid, the representative would revoke DCI 's collection authority, allow me to pay, and then make a request for deletion to the credit rating agencies for this account. This sounded good to me, so I paid the specified amount. However, on XX/XX/XXXX, instead of a removal, I checked my credit report and instead saw an entry from DCI marking the account as 'Paid ' with a balance of {$0.00}. Not happy with this situation, I contacted XXXX using their online chat feature ( chat ID # XXXX ), and said that the representative had told me that collection authority would be revoked from DCI, I would pay, and the account would be deleted from my credit report. The representative responded, " The information is correct. ", leaving no ambiguity as to my understanding being correct. As of today, XX/XX/XXXX, the account remains on my credit report with a status of 'Paid ' and a balance of {$0.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Austin, TX

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

2017-03-27

Main Office, VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have disputed this debt directly with Diversified Consultants on XXXX/XXXX/17 requesting verification of this debt because it is not mine. They made a remark on my credit report that the account is disputed and verified, but never sent verification. I have continued to receive harassing phone calls from this company.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-26

Houston, TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: Simply put I 've never heard of Diversified Consultants. Ive never spoken with them on the phone and I certainly never paid them anything. Since no payment was ever made to Diversified Consultants, by reporting any account as Paid, Diversified Consultantsare stating that a payment was received by them from me, when it was not ie ; providing False information to a credit reporting agency in violation of the FDCPA, and Willfully furnishing inaccurate & misleading information in violation of the FCRA. Simply put they are breaking the law and costing me money.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-26

Northside, NC

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I had cable service with XXXX ( XXXX ) in XXXX XXXX and moved to XXXX, XXXX. Prior to moving XXXX policy states that all invoices must be paid before having service anywhere else. Paid and established new service in XXXX XXXX. Checking credit report, I found that there was an alleged unpaid invoice with XXXX. Since I was in the process of purchasing a new home, XXXX ( another credit reporting company ) advised me of it. XXXX acted as a mediator and got XXXX and Diversified Consulting Inc - the collections company on the line. XXXX admits that there IS NO WAY THAT I CAN CURRENTLY HAVE OR START SERVICE WITH AN OUTSTANDING INVOICE. This was removed from my credit report with XXXX. The collection company - Diversified Consulting Inc. refuses to indicate as paid - even though current XXXX reps state I would not be able to start or have new service if I had an outstanding bill. This caused major problems when I was purchasing my new home. A conference call was made with XXXX as the mediator and XXXX Rep and Diversified Consulting Inc. Rep. XXXX readily admits that I could not start or have new service with an outstanding invoice. The Diversified Consulting REp is argumentive and refuses to listen to what the XXXX rep is telling him. Call is terminated due to getting no where with this representative and him refusing to get a supervisor on line. Diversified Consultant states it does not matter he makes the final decision
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-26

Atl, GA

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-26

Bedford, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX has not communicated with the collection agency that the XXXX box has been returned!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-25

NJ

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: After I have told them to stop contacting me, they continue to do so multiple times throughout the day. The call my fathers cell phone as well and were never authorized to do so.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

AL

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: I had a 2 yr internet contract with XXXX XXXX XXXX XXXX for $ XXXX ona 24 month contract that began XX/XX/XXXX. I moved from the residence due to a separation from my wife and she moved also. I had a XXXX phone to accomodate the internet service and had it disconnected when I moved out per my request to XXXX XXXX XXXX. The Service provider continued to bill a closed account up until XX/XX/XXXX which over 1 yr and 4 months of an expired contract. This is the 3rd time this account has been added back to my credit report and it is in violation of The Federal Credit Reporting Act. XXXX different collection companies have had the account and when I spoke with Supervisor XXXX XXXX of Diversified Consultants Inc over 1 month ago I requested a copy of the contract that XXXX XXXX XXXX had provided to his firm concerning me. There was not one on file and he promised I would get it within 30 days. Per our conversation yesterday he will not provide a copy of the contract and XXXX XXXX XXXX is requesting a Written Distpute from me in which they already have a copy from XXXX. I am a XXXX Alabama XXXX and this error on my credit report hinders my Company 's ability to obtain Floor Plan Financing to purchase Inventory for my Car Lot and also make my Surety Bond higher. I need this item removed from my XXXX and XXXX Credit Report Immediately. I am presently trying to enter into a lease Purchase for a XXXX acre and XXXX sq ft building to Start a XXXX, XXXX XXXX and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response