Diversified Consultants, Inc

2019-06-23

Riverdale, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was checking my credit score today and I saw a drop of 33 points due to a collecting account been opened on XX/XX/2019 by some DIVERSIFIED CONSULTNTS on behalf of 11 XXXX XXXX XXXX stating I owe them XXXX dollars as a debt.. First of all i dont know who that collector is nor I received any type of correspondence in writing notifying me regarding the debt from the XXXX XXXX XXXX or their collector named Diversified Consultnts. They just tried to ruin my credit score by putting a false debt on my credit report and I want them to remove it immediately.
Company Response: Closed with explanation

Timely Response

2019-06-22

Trumbull, CT

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-06-22

Alexandria, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-06-22

San Antonio, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-06-21

Ft Myers, FL

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Complaint: Please see the recording of the after hours call. The company below still continues to report this to the bureaus. This is the video saved to my XXXX XXXX and shared to you. XXXX : XXXX? XXXX=XXXX Thank you, XXXX XXXX -- -- Collector info : DIVERSIFIED CONSULTNTS Last reported XX/XX/XXXX {$2200.00} Reported balance Original balance {$2200.00} You owe100 % of the original balance OVERVIEW OpenedXXXX XXXX XXXXXXXX ( 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name11 XXXX XXXX CONTACT INFO DIVERSIFIED CONSULTNTS P O BOX XXXX XXXX, FL XXXX USA XXXX XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2019-06-21

Rochester, WA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I am an XXXX XXXX Military Service Member and I had a 2 year contract with XXXX XXXX XXXX for TV and Internet services. I received military orders to leave XXXX, CA where I was currently stationed and deploy to XXXX XXXX for a new assignment. So I canceled my services on or around XX/XX/XXXX2017, and at first XXXX XXXX XXXX wanted to charge an early termination fee of {$260.00}, but after talking with the representative for a while on the phone, she verbally agreed to waive the charge due to military orders as long as I sent the equipment back. I sent the equipment back and then received another email on XX/XX/XXXX2017 stating that I owed {$350.00} for my last bill plus the early termination fee that initially they told me they would waive. So I called them ; after talking with the representative for a while we agreed that I would only pay the final bill, and not the early termination fee. However, they proceeded to send the remaining {$260.00} early termination fee to a debt collector ( Diversified Consultant ). Once I returned from overseas they were able to get my phone number and I spoke with the debt collector. I explained the situation and told her that it was mistake and that because they agreed to waive the fee ; I would not pay it. She told me if I don't pay the fee that I would never be able to get a loan again because they attempt to degrade my credit. Due to the fact that I can not control when I come down on orders, and they agreed to waive the fee exactly for that reason, I'm disputing this debt and believe that I should be relieved of it. They have succeeded in degrading my XX/XX/XXXX credit report with repeated negative inquiries. It would be so easy for me to pay it off but a deal is a deal. Also XXXX XXXX XXXX has been trying to collect the same debt but I have not heard from them verbally or in writing. Combined they have submitted 10 different inquiries to the credit bureaus for the same fee over the last year. I have attached 4 of them below.
Company Response: Closed with explanation

Timely Response

2019-06-21

Atl, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-21

Montevallo, AL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: The credit Collection Agency Diversified Consultants never notified me of a debt. I found out about the alleged debt through a credit alert. Once I found out I mailed a debt validation letter and called the Diversified Consultant on XX/XX/19. During the call ; I learned that it was XXXX XXXX, but I do not owe XXXX XXXX money ( a debt ). The agent stated I paid XXXX XXXX ( and the file is closed ), so why is the account on my credit report? I was told because I paid it two days after it was assigned to them by XXXX XXXX. Additionally, I made it clear I did not make any payments to their company ( Diversified Consultants ). Diversified Consultants had nothing to do with making a payment to XXXX XXXX because when I made the payment on XXXX XXXX website : I had no knowledge of a collection account on my credit report. The violation of my rights under the FDPCA are as follows : 1. Diversified Consultants did not provide me a written notice of the debt 2. Did not provide with the name of the original creditor 3. Did not give me an opportunity to dispute the debt 4. Did not recognize the 30-day waiting period between validating a debt. Without validating the debt, they are not allowed to seek collection Because of these violations, I have a right to sue in court {$1000.00} dollars per violation and {$2000.00} per violation under the FCRA. I paid XXXX directly and knew nothing of this collection. I canceled my service with XXXX and did not know my old phone was still locked. At this point I learned I had a small balance I was not aware of ; once I found out I immediately paid the balance online ( XXXX ). Diversified Consultants had no legal right to place any notation of anything on my credit report because I have no legal contract with them or any legal standing with this company. They are basically attempting to ruin my credit when it is clear I made a payment two days after it was assigned outside of my knowledge or receiving a proper notice ( duns letter ). I want this collection deleted from my credit report immediately. XXXX XXXX and Diversified Consultant clearly are not interested in following the law.
Company Response: Closed with explanation

Timely Response

2019-06-21

Lake Nepessing, MI

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-06-20

Lk Buena Vis, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2019 I sent a USPS certified letter tracking # XXXX requesting " VALIDATION '' outlining exactly what I would like to see for validation not verification of the amount {$1400.00} being reported on my credit report and it shows it was successfully delivered on XX/XX/2019. Diversified only sent me back a letter of verification with nothing else dated XX/XX/2019, which is not what I asked for. I also requested if they did not provide proper documentation that the debt would need to be completely deleted from my credit file and for them to immediately provide a copy of such deletion. The " VALIDATION '' letter I sent I requested the following : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Diversified Consultants in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
Company Response: Closed with explanation

Timely Response

2019-06-20

VA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Diversified Consultants keeps calling me. They say they are calling on behalf of XXXX. I haven't done any business with XXXX EVER. They have called at least 6 times and they demand that I tell them my Social Security number. I have told them EVERY SINGLE time they have the wrong person and to leave me alone. They have refused to leave me alone. They are an abusive and corrupt company. They should be fined and imprisoned. It is not acceptable to call random people out of the phone book and demand personal information OVER AND OVER.
Company Response: Closed with explanation

Timely Response

2019-06-20

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I couldnt find a category that bests fits the situation, I have included details : The same debt is reporting on my credit report twice. There are two entries as detailed below. the original creditor is XXXX in the amount of {$300.00}. XXXX sold the debt to XXXX XXXX to collect. I did take a ding for this on my credit. Additionally, Diversified Consultants is now reporting on the same debt, which I took a second hit for on my credit. I did speak with both to ensure this is the same debt from the XXXX. It is my understanding that a debt collector must delete their reported collection if their collection authority has been terminated with the debt remaining unpaid.
Company Response: Closed with explanation

Timely Response

2019-06-19

Euclid, OH

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Company attempted to send a billing statement in the mail to validate debt. Company is using stall tactics because it cant provide a signed legal document with my name. Company continues to provide inaccurate information to credit bureaus. Reporting non validated information to the credit bureaus is also defamation of character.
Company Response: Closed with explanation

Timely Response

2019-06-19

Una, SC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Diversified Consultants Inc. purposely reported to all 3 credit bureaus a negative debt of {$280.00}, as a collection. I have never been notified by the origin creditor XXXX XXXX or Diversified Consultants Inc. Reason being ... my account was paid in full when I switched service providers. I purchased a new home and neither company had my new address ... I never received any forwarded mail from either and Diversified Consultants Inc cant provide me with any returned mail they may have got ( and they didnt ) They only learned of my New Address when I wrote them Disputing the negative credit mark on my report. I sent them a certified letter on or around the XXXX of XX/XX/2019 ... crying foul of them not giving me a chance to dispute and challenge their assumption. Today XXXX XX/XX/2019, I received my first letter from DCI. They are doing things in reverse order and have cause me great problems. I ask you to look into this violation and have them remove the negative entries on all 3 credit reports. I am sending you the very first letter I received from them and my certified letter which I mailed once I was notified that they purposely reported a Collection on my credit. They have deliberately violated the rules of the FCA and my RIGHTS as a consumer. Anything less than a complete deletion is really a travesty and I will pursue legal action.
Company Response: Closed with explanation

Timely Response

2019-06-19

Cypress, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-19

Clermont, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I just received a phone call telling me I had a XXXX debt that needed to be settled by the debt collector calling me. He stated his name was XXXX XXXX from diversified consultants inc. phone number XXXX and would not give his physical address but a XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX confirmed that I actually have a credit on my account and a quick XXXX search shows others stating fraud from this company. Also gives a physical address of XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX. This person told me I would need to settle this debt through him and give him my credit card number to do so. If not I would be reported to the credit bureau.
Company Response: Closed with explanation

Timely Response

2019-06-19

San Jacinto, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: i pulled a report on my credit, it showed a collection for XXXX. collecting agent diversified consultant. creditor XXXX XXXX or XXXX not sure which. when speaking to collection i provided my social sec # no account showed up. i asked then why it was in my report i got the runaround saying i needed to call XXXX for account number. when i asked for the number i got a i dont know answer. i asked for a supervisor he said sure and hung up on me. acc opened XX/XX/2019.
Company Response: Closed with explanation

Timely Response

2019-06-18

Grimsley, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-06-17

Galena, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent this company a validation letter and they signed for it on XX/XX/XXXX about an alleged debt they say I owe. What I received in return was a bill/statement. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have a legally binding contractual obligation to pay them the alleged amount, Furthermore The whole entry on my credit file of this account is completely inaccurate along with the dates on the bill/statement they had sent me that supposedly verified this as a valid debt I owe. The open date that shows on my credit report, regarding this account shows that it was opened XX/XX/XXXX however on the bill/statement they have sent me it shows date ranges from XX/XX/XXXX to XX/XX/XXXX? So 3 years later they want to report this false information? The high balance compared to the balance on my credit file for this is showing a high balance of {$210.00} but a balance of {$610.00}? But on the bill/statement they sent is shows {$610.00}? Nothing is accurate about what they are claiming! What is crazy is that the credit bureau ( s ) came back and said it meets FCRA requirements Thats a lie. What proof did they get?! I am making a final attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. All documents regarding communication with this company including return receipts and what I received from them along with the entry of this account on my credit report have been attached.
Company Response: Closed with explanation

Timely Response

2019-06-17

Patterson, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: This debt is from a 2017 XXXX account was originally the creditor the account should not have went to collections because I was disputing the amount owed with the original creditors for service I didnt order with my original contract however the creditor refused to come to some type of resolution and sent my debt to diversified collections were I just paid balance in full so Im asking creditor as a courtesy can they please remove this derogatory remark off my credit file and stop reporting this to credit bureaus Also I am currently a XXXX customer
Company Response: Closed with explanation

Timely Response

2019-06-15

Arsenal, PA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-06-14

Keyport, WA

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2019-06-14

Key Biscayne, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX HAS A FRAUD ACCOUNT OPENED UNDER MY NAME / SOCIAL NUMBER. XXXX WAS NOTIFIED ASAP AND HAD PLACED THE ACCOUNT UNDER FRAUD. I NEVER HAD ANY BUSINESS RELATIONSHIP WITH XXXX.. DO NOT HAVE AN ACCOUNT. NEVER. COLLECTION AGENCY - NAME DIVERSIFIED CONSULTANTS. FILED A COLLECTION ON MY CREDIT REPORT BUT DID NOT PROVIDE ADEQUATE NOTICE OF THE DEBT never PROVIDED PROOF OF DEBT OR ANY STATEMENTS PERTAINING. ADDING TO MY CREDIT REPORT HAS CAUSED MY NEAR PERFECT SCORE TO DROP WHEN I NEED FOR AN UPCOMING FAMILY PURCHASE. I BELIEVE DIVERSIFIED CONSULTANTS HAVE CAUSED ME DIRECT HARM. I BELIEVE DIVERSIFIED CONSULTANTS DID NOT FOLLOW PROPER PROCEDURE AND STATUES WHEN PLACING THIS COLLECTION ON MY CREDIT REPORT.
Company Response: Closed with explanation

Timely Response

2019-06-14

MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have been a customer with XXXX XXXX for more than 7 years. I dont have an active contract with the above company because the service wears continued after completed my last two years contact. I called XXXX XXXX to discontinue the service and was changed an extra charge of {$80.00} which I paid. XXXX XXXX told me to send their equipments after they send me the boxes. I have received the boxes about a week later then paid {$10.00} toward the final bill. I called to get the final bill because the app service was blocked to my username and told it will be mailed. Ive told customer service that I drive a truck and go out of town for weeks sometimes. On the the XXXX of XXXX, I have received a notification from my credit monitor that a negative credit report by Diversfied Consulatants, INC. hits my credit for nonpayment. I found that was a collection agency for XXXX who never ever contacted me by mail nor phone. I called XXXX and spoke to customer service who apologized then made a full payment of {$270.00} on XX/XX/19. On XX/XX/19 Ive received a notice from Diversified Consutants, INC. to referred for collection. The notice was dated on the XXXX of XXXX and my payment was paid on the XXXX of XX/XX/XXXX5 dates before receiving their notice. The company had my last name different than my name.
Company Response: Closed with explanation

Timely Response

2019-06-14

Cordova, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response