Diversified Consultants, Inc

2016-10-22

Manhattan, NY

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

2016-10-22

Liverpool, 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

2016-10-22

NY

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had an account with comcast. I was moving from XXXX to XXXX. I called XXXX to let them know and I needed to suspend service and when I have my new address i will reinstate. They told me OK, XXXX XXXX, not a problem. This happens all the time. about a month later, I moved into my apartment and called up comcast and they would not give me service. They said I had to pay almost {$900.00} for a broken contract and there is no record of me having service transferred.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

Carson, CA

Communication tactics

Debt collection: Non-federal student loan

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-21

De Soto, IA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I paid this bill with another collection agency at the beginning of the year. I have called thus company 3 times telling them I have paid this bill. They told me the first time I called which was soon after I paid it that it takes a while to get it off the credit report. The second time I called was a couple months ago and I was told it should be off soon and give it another 45 days. The third time I called which was today ( XXXX/XXXX/16 ) they said they do not know why it is still on there and they can not do anything about it and to contact the credit bureau.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-20

La Tijera, 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: Yes Timely Response

2016-10-20

Hampton, VA

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Complaint: INITIAL CONTACT WITH DEBT COLLECTOR My name is XXXX XXXX. I started being harassed by Diversified Consultants Inc last year. I was told that I still owed on bill that I had with XXXX 3 years ago. I clearly remember paying that final bill with XXXX and terminating the phone because it no longer had service in the area where I lived. Now, three years later, in XXXX, I received a bill from Diversified Consultants , Inc., showing that I owed a debt of {$160.00} to XXXX. I requested Diversified Consultant to send me the final bill that was not paid to XXXX before I paid anything because I thought it was a scam. I PAID THE BALANCE In XXXX XXXX, Diversified Consultants sent me a copy of the billing statement from XXXX, showing that I had a remaining balance from XXXX XXXX. I called XXXX and they verified that I indeed had a debt with Diversified Consultants , Inc. and would need to pay Diversified Consultants, Inc., the {$160.00} balance. Since I did not have any documentation to prove that I did pay that balance in full in XXXX, I paid the debt to Diversified Consultants along with a {$10.00} fee on XXXX/XXXX/XXXX, so I could remove this debt from my credit report. My confirmation number is XXXX. FOLLOW- UP # 1 AFTER PAYING THE BALANCE After a month, I checked my credit report and the debt was still showing as open. I called and spoke with Diversified Consultants, Inc. on XXXX/XXXX/XXXX and advised that the balance was still showing a status of open on my credit report, even though I already paid it on XXXX.I was advised that it would be updated in 5- 30 business days. FOLLOW UP # 2 AFTER PLAYING THE BALANCE On XXXX/XXXX/XXXX, I decided to check my credit report again to see if the debt status had been updated to paid in full, especially since exactly six months had passed by. However, I noticed XXXX was still showing this debt in collections. So I called Diversified Consultants BACK AGAIN to let them know that the balance was not updated with XXXX. This time, a XXXX XXXX told me that he saw notes, proving that I initially paid the debt on XXXX/XXXX/XXXX and also could see that I had called before seeking clarity of the balance being updated and reported to the bureau. He apologized and advised, that he will update the bureau and the status will be updated within 5-30 business days. To expedite the status update on my end, I also disputed the balance with XXXX. FOLLOW UP # 3 AFTER PAYING THE BALANCE Now, here it is XXXX XXXX, and I received an email from XXXX showing that Diversified Consultants is showing that my balance HAS NOT been paid. So this time, I called Diversified Consultant 's back to advise a supervisor, XXXX XXXX, of what was still showing on my credit report. He advised that it should have been updated to paid in full and was not sure why my credit report was showing that it was not paid in full. So I asked XXXX if he could email me a receipt to show that my balance was paid so I could send that receipt to XXXX and he told me that they could not do that. TAKING LEGAL ACTION After several disputes with XXXX, this account is still not showing that the XXXX debt with Diversified Consultants is still open. This is unacceptable and my credit is suffering because of it. Please let me know what I can do to escalate the removal of this debt on my credit report. I have carried this balance for 6 months even after it was paid. I 'm still not sure why it was there in the first place, but I paid it just to be sure nothing was on my credit, yet I am still suffering because of it. I am starting to feel like I was scammed and I am ready to take legal action, because I do n't have any proof in written documents showing that the balance was paid. PLEASE LET ME KNOW WHAT I CAN DO PRIOR TO SEEKING LEGAL COUNSEL. XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-19

Brooksville, FL

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-10-18

Mountain View, CA

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

2016-10-18

Garfield, NJ

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

2016-10-18

Clermont, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Debt was submitted for dispute longer than 30 days with paid information. I have not received any answers from the debt collection agency nor XXXX XXXX ( known as XXXX wireless ) The debt was fully paid to prior collection agency in the total of XXXX. I have submitted such proof with proof of the settlement with the collection agency. XXXX is failing to remove the collection out of my credit report or simply report it as paid. I have made every attempt to contact the collection agency and XXXX ending with no result.s
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-16

Ogden, UT

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX is the original creditor. Diversified Consultants, INC. has contacted me during the 30 day dispute time frame. I have two consumer reports showing the exact same date. I have disputed the alleged account with each bureau. The XXXX is reporting and earlier date XXXX. The open date reports XXXX. the investigation notes say the alleged account is with in the fcra guidelines. I spoke with XXXX briefly. they said the information on the debt is valid. I want you to know I have applied for a home loan. and its accounts like this that 's keeping me from that home loan. please help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Kendall, FL

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

2016-10-14

San Jose, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I applied to get an apartment for myself and my XXXX years old daughter. I received a phone call that my application was denied due to credit issues and I asked them I should not have any issues on my credit report and they could not give me the details. I had gone to my cousins house and used his computer to see my credit report from XXXX. I did that and I saw a collection account for an unpaid XXXX account from company called DIVERSIFIED CONSULTANT. I immediately called XXXX and spoke to billing department and they told me that my account was in a good standing with them. then I called DIVERSIFIED CONSULTANT and talked to their repersentive about this account that showed up in my report and they told me that based on my social security information they do not have any account that they are reporting to the bureaus. I told them I like to speak to supervisor and told me the same thing. then I asked them to provide me with the a letter that I do not have an account with them and they told me they can not do such a thing. that 's why I am here hopefully with your help I can get my problem resolved.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-13

Hazlehurst, 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

2016-10-13

Brooklyn, NY

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: This Account Was Not Opened By Me This Is An Fraud Account
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Huntsville, AL

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

2016-10-12

Scottsdale, AZ

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

2016-10-12

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: DIVERSIFIED ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX. ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-12

Erwin, TN

Communication tactics

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

Frequent or repeated calls
Complaint: I advised this debt had been paid with the orginal utility company ( XXXX ) and I did not owe it and to stop calling me at my work cell phone number. They continued to try and collect and continued calls.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

Hokendauqua, PA

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

2016-10-11

Houston, TX

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

2016-10-11

Newark, NJ

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

2016-10-11

Patterson, MD

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have explained to this company several times that I paid this bill in full. The exact response I received was " oh well, XXXX said that you never paid it so you have to pay us {$500.00} or we will ruin your credit. '' That is the response that I received word for word! I asked them to send me a bill showing what this {$500.00} was for. They said that they do n't have bills and they only have the balance. I am being blackmailed into paying a bill that I do not owe.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-11

CA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I am filing this complaint with your company DIVERSIFIED XXXX this account number is reporting on my credit report as if I have a debt with your company. I am have been a victim of identity fraud I never had an account with your company nor was I notified that a outstanding balance was due on any account that I have opened. Please Validate the debt that your company is reporting to my credit report.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX. Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of 1st delinquency and last payment date to original creditor, if any. Evidence your legal registration and bonding status for collecting debt in the State of CA.. I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX UNITED STATES DISTRICT COURT, XXXX, to name only one ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.
Company Response: Closed with explanation

Disputed: Yes Timely Response