Diversified Consultants, Inc

2017-03-24

Wonder Lake, IL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: On XX/XX/2017 XXXX did n't verify me by the last XXXX of my SSN. He did n't provide the mailing address of the creditor when I asked. He said he did n't have it. I asked if this was on my credit and he said he did n't know. He told me I did n't have to mail a dispute letter since I disputed the debt verbally over the phone. On XX/XX/XXXX XXXX did n't verify my last XXXX of my SSN. She told that it was n't a requirement. She told me that my account status is not in dispute because I did n't mail a letter stating I was disputing the debt. I told her that the previous rep told me that it was n't necessary. She said she was n't able to provide the address to the creditor.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-24

Havana, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: The original debtor XXXX has already collected full payment of this debt in the amount of {$750.00}. During a conferenced call on XX/XX/2017 Diversified Consultants, Inc. debt collection agency acknowledged receipt of full payment however ; they refused to remove it off of my credit report and provide a letter stating that the account has been paid in full and closed.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Dallas, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have advised this collection agency via certified mail that this debt they are attempting to collect is not mine, but is a result of identity theft. I have never had a service with XXXX. I included all police reports and documents in the certified letter sent to this collection agency and advised them to cease and desist due to fraud/identity theft. This is NOT my debt and the collection agency must cease and desist any and all harassing collection attempts.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Chicago, IL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: On XX/XX/2017 DCI responded to my dispute for validation. Based on the information they provided, per law this does not serve as a proper validation. A billing statement is NOT validation! Regardless to their claims to not have ever received a dispute from me is irrelevant to the fact that DCI has not provided proper validation as requested.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Falmouth, VA

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

2017-03-23

Bohemia, NY

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 what looks like duplicate debt I do not owe similar to the XXXX complaint I filed.XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-22

Canyon Cntry, 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

2017-03-22

Lees Summit, MO

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: Yes Timely Response

2017-03-22

Aurora, CO

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

2017-03-22

Coconut Grove, FL

Credit reporting company's investigation

Credit reporting:

Investigation took too long
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

Hghlnds Ranch, CO

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2017-03-21

Caldwell, NC

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: Yes Timely Response

2017-03-21

Boston, MA

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

2017-03-20

Detroit, MI

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

2017-03-20

Oxford, GA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I was contacted by Diversified Consultants Inc in XX/XX/2017 regarding a collection balance with XXXX. During that conversation, I disputed with the validity of the debt with the representative. The representative told me that I could find the bills with the charges by going back to XXXX for the billing details. I followed up the verbal dispute with a letter disputing the collection. On XX/XX/XXXX, Diversified XXXX contacted me and I disputed the charges again. I dispute the amount of charges imposed by XXXX, as I could n't possible owe {$3500.00} for terminating my services after 10 years with the company. The representative again told me to go on XXXX to pull up the bill. This is a direct violation of the Fair Credit Reporting Act requesting validation of the debt. The representative offered me a settlement of the account and due to their unethical practices, offered me a settlement taking {$1400.00} off the balance. I continued to feel pressured to take the settlement as to not affect my credit rating. I accepted the settlement, gave out my personal financial billing information for the installment payments. During the call with the representative, I asked about the account now affecting my credit. The representative told me that, of course after getting commitment of the payments, then said that the account would be reported to the credit bureau the very next day. I asked for a letter confirming the payments and the arrangements and the representative said that they do n't have these type of letters to provide. I asked the representative to speak with a supervisor to understand that after being pressured into a settlement of an account that is inaccurate why would they continue to falsely report inaccurate information to the credit bureau. The supervisor told me that there is nothing that can be done, the account would be report and updated as " settled in full '' once the final payments were completed. But until that time, they would report the entire inaccurate balance of {$3500.00}, not the settled balance. The unethical practices of Diversified Consultants has damaged my credit, as I was in good faith trying to make arrangements and pay the accurate amount for the XXXX account. To this day, I still do not have the final billing or validation of the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Gastonia, NC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have been called every day around XXXX about a cellular phone debt that I do not have. I never did any business with the phone company in question.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Rncho Domingz, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Diversified consultants reported a paid account to my XXXX credit report. Their reporting indicates that they reported a debt for the first time after it was already paid. Reporting already satisfied accounts to the credit reporting agencies are illegal and malicious. This account needs to be removed asap because it was satisfied prior to reporting to my credit report. This company reported this to my credit report after I inquired about as to why I was receiving communication from them when the debt was already paid. Illegal and malicious practices.I have contacted the credit reporting agency and as per the credit reporting agency Diversified Consultants continue to verify with the credit reporting agencies that this information is accurate and it is not because this company should never have reported this collection account that was already resolved before the initial reporting. Not only is that a violation in itself ; they continue to violate by verifying this information as correct.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-19

Discovery Bay, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: 1 ) XXXX was collecting early termination fees that was paid by XXXX in full. XXXX has confirmation of payment receipt 2 ) The amount reported is also NOT the amount paid nor invoiced by XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-19

Bloomington, MN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I was contacted numerous times at different numbers calling about a debt that resulted from my ID being stolen along with credit cards bank accounts and anything else that was in my wallet. I have written letters I have told him over the phone and yet it still appearing on my report. I 've suffered enough.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Southern Pnes, NC

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

2017-03-17

Las Vegas, NV

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: This is the 3rd collection agency supposedly collecting a debt for XXXX. The last one I sent a check to them They sent it back saying they did n't have the account. I phoned XXXX they told me They could not get into my account. I hired a lawyer now another company is placing this on my credit. If XXXX can not get into my account, then how can collection agencies keep changing and play ing this account on my credit when my Lawyer has told them to cease and desist. Are collection agencies above the law?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

San Diego, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: For over 3 months I have been receiving frequent calls from XXXX which internet searches reveal is coming from " Diversified Consultants '' debt collector. They do not leave any message, nor have they sent me any documentation to my mailing address. If they have my phone number, which I have never provided, they should have my mailing address as well. The calls I receive have been at all hours of the day, including weekends.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Oxford, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: My wife keeps getting harassing phone calls on her cell phone from Diversified Consultants, Inc. We do not owe any debt yet they keep calling her despite being told that she is not the person they are trying to contact!!. Now they are even calling her cell phone!
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-16

Roselle, NJ

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

2017-03-16

Newnan, GA

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: I have asked this company to stop contacting me and they continue to call me everyday, several times a day and today they called me at XXXX pm.
Company Response: Closed with explanation

Disputed: Yes Timely Response