Diversified Consultants, Inc

2016-08-25

Chestnut Street, IL

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

2016-08-25

Coral, 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

2016-08-25

Holmes Center, IL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: This account is a fraudulent account. It has n't been removed/deleted from my XXXX Credit Report, however, it is still showing up on my XXXX report. I am an ID Theft Victim. I have made every attempt possible to communicate with these people about getting this resolved, and it was n't resolved on my XXXX Report, the other XXXX, XXXX still has it on their end, the amount is for {$230.00}. XXXX, I am not sure if is on there or not. I have access to only XXXX of my credit reports. I also explained to this debt collection agency that I have done everything possible to get this resolved, meaning file a Police Report, etc. The police where I live do not care about stuff like this, and they would n't file any type of report. They just do n't listen!!!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Cordova, TN

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I have received a letter from Diversified Consultants on XXXX/XXXX/2016. I responded to the letter on XXXX/XXXX/2016 with a delivery confirmation date of XXXX/XXXX/2016. I have sent the collection agency ( Diversified Consultants ) multiple letters via XXXX certified mail, stating that this was not a valid debt, and requested all information related to the alleged debt. But, I have not received any correspondence from them. Also the collection company is in direct violation of the FDCPA ; they have reported inaccurate and incomplete and non-validated information on my credit report to ( XXXX, XXXX, & XXXX ). Its very frustrating that someone can willfully ignore your request, and damage your credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Santa Ana, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This is the fourth time I am dealing with this fraudulent debt that roots from XXXX XXXX XXXX. Every single time, this invalid debt is taken up with XXXX XXXX XXXX and the collection agency they refer the debt to and every time, it is removed and this is the 4th time it has now posted to my account. I have correspondence sent to XXXX XXXX and the previous agency and the account was removed. Each time XXXX XXXX says this is an internal error and then refer me to the collection agency. This makes no sense and is there no protection for a consumer against fraudulent collection accounts? I do not have the hours of the day to sit on the phone with XXXX XXXX and the collections agency every time this comes up. This is ridiculous that consumers have no protection against these types of issues.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-22

Bronx, NY

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

2016-08-21

N Haven, CT

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have an unverified account from DIVERSIFIED. I had previously disputed this account. I have never done business with DIVERSIFIED pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

Texarkana, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-19

New York, NY

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

2016-08-18

Keytesville, MO

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Atl, GA

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

2016-08-17

Empire State, NY

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

2016-08-17

Farmingtn Hls, 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

2016-08-17

Ft Belvoir, VA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Dear CFPB : A collection agency, XXXX XXXX XXXX or XXXX sent a standard form letter advising I owed XXXX {$30.00}. I disputed the debt and requested they provide validity of the debt. They subsequently sent the same standard letter provided the first time. As a result, I provided evidence that the debt was paid in full over a year ago and again asked for concrete proof that an additional {$30.00} was owed. Instead of providing the additional evidence, they forwarded the debt to another collection agency ; the account number, amount of debt are all the dame, excpept a new debt collector, Diversified Consultants XXXX Inc., is now assigned. It appears the debt collection is a scam or sham. The debt collectors are in violation of the Fair Debt Collection Practices Act. Instead of providing validity of the so-called debt that is in dispute, they simply transfer collection responsibility. The end result I am being hassled with having to enforce my rights against a bogus claim which is wasting my time and energy. In addition, they are not in compliance with the 30 day notification requirement. They date their correspondence one day and the postmarked is a much later date and by the time I get the mail I have XXXX14 days to respond. I ask that you investigate these companies as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX CCS File Number : XXXX XXXX XXXX or XXXX Diversified Consultants , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX File Number : XXXX thank you very much for your assistance and cooperation in this matter. If you have questions please let me know.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

South Florida, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I paid a collection account on XXXX XXXX to DIVERSIFIED CONSULTANTS IN located XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have called 5 times within the past month to obtain proof that the debt was paid, I asked to please email me something the first couple of times I called so I can provide the information to the credit bureaus and information is updated, they told me THEY COULD NOT email anything ; however it would be sent regular mail, so I waited, and weeks later nothing came. This past Saturday XXXX XXXX, XXXX, I called once again and explain the situation, the representative told me " oh yes, I see you have called, there is nothing I can do but submit a request to be sent out '' this time I asked once again if the information could be email, and to my surprise he said the information could IN FACT be emailed, but it will be sent Monday Morning. Today is Tuesday, and I have check my email, junk mail repeatedly and nothing has com through. This is to formerly complain that this company continues to hurt my credit score as it shows the account is still open in XXXX. I have contacted them several times ( is on their records ) and to this date they keep giving me the run around and I am unable to provide XXXX with an actual document which states the debt has been satisfied. I already filed a dispute with XXXX explaining the situation, however the results were " not change '' meaning the account still shows open and it still has a balance. This company is failing to assist me and failing to provide information I have requested over and over again. My address was verified every time I spoke to them, lastly I provided my email and nothing.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-15

Country Club Hills, MO

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

2016-08-15

Sandwich, 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

2016-08-15

Country Club Hills, MO

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-14

Blackbird, DE

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: To give you some history and insight of what is going on I am starting from the beginning. I had an account with XXXX I disconnected with them and moved to a different cell phone provider. During my time with XXXX I financed my cell phones, and paid on these phones with the monthly billing. When I disconnected I still owed a balance, but was told I could make payments on the balance still owed on the phones, but it would eventually go to a XXXX party collection agency, which it did and it was an agency called XXXX. They continued to honor what sprint told me which was I make payments to them and it would not report to the credit bureau. Here is where the problems began ; Sometime in XXXX the account was moved to another collection agency called Diversified Consultants. I was not notified until XXXX but because I knew I owed this balance I called and said I wanted the same arrangement and to continue out my payments. I later called and wanted to validate the debt to make sure their records were correct because I had a different amount that I still owed, this was left on a rep named XXXX 's voice mail. Furthermore instead of honoring the same arrangement that I thought was going to be honored because I set up payments, they started reporting to the credit bureaus the debt they had on file. I am upset that they never gave me a date as to when they were going to report negatively and the fact that I am in dispute with the balance. Which I had to call a second time to put in this request, so while in dispute I also asked them to remove it from collection and to again provide me with verification debt/balance owed. I have yet to receive this requested information and feel they should remove it from collection as I never was given the notification that they were not going to honor the original agreement that I had with XXXX and XXXX. They also never once mentioned they would be reporting anything, and told me I did not have a right to know which I feel is against collection policies. As a consumer I should have the right to know when they are going to report, and if they are going to report, because I know not all collection agencies report a debt. Then they stated that it had been a couple months since they had this account and that it 's been since XXXX but I was not notified in writing until Mid XXXX and should not be held accountable to the sale date in there systems. I also was under the impression that they were under the same agreement as the previous agency was never made clear of their terms for collecting. I also requested for them to remove the debt while I am in dispute and that yet to happen.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-13

Niantic, CT

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Diversified Consultants claims I owe XXXX to XXXX XXXX, this is the second collection agency to attempt to collect on this debt. The previous agency whom I do not have the name of, referred the account back to XXXX XXXX, realizing the debt is not valid/fraud. A previous complaint was filed about this matter against that collection agency, Diversified Consultants seems to have bought the debt from them or was sent directly from XXXX. As I stated before in previous complaint, I have never had cell service with XXXX and the amount, XXXX is extremely high even for a family plan as I suspect it is. Neither collection agency has provided a detailed bill of amount owed, just a letter claiming I owe it. It appears a cousin with similar name, XXXX XXXX, open an account using my social. I use a middle initial in my name, XXXX XXXX XXXX. He no longer lives at my address and this is the second case of fraud I have encountered since he moved out. As stated before, this is an outrageously high amount and is very suspicious as I think additional bogus charged were added on by collection agencies for themselves, there is no detailed bill explaining the charges. Again, it is also fraud and will not pay it.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-08-13

Philatelic Center, CA

False statements or representation

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

Attempted to collect wrong amount
Complaint: I had informed the collection agency the alleged debt was in dispute with XXXX and not owed. Further, I told the agency that no adverse credit bureau reporting should occur until such time the dispute was either resolved or sent to arbitration for ruling. The credit agency responded by providing assurance they would speak with the creditor and contact me with a reply. I never heard back from the collection agency or creditor regarding my assertion the debt was not owed or my request for arbitration. The collection agency proceeded to place a negative account unpaid on my credit history with the credit bureaus. Since that time I have been in contact with the collection agency and conveyed demand they remove the negative account information immediately. I was told the account had neen sent back to the original creditor ( XXXX ) and Diversified would no longer be of assistance in the matter.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-11

Scottsdale, AZ

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XXXX pcs sent a debt to XXXX collections I paid settlement and have proof, now XXXX sent same debt to new collections and when contacted told me tough, I contacted XXXX XXXX who had me email proof, I have all emails, names of collector 's and paid letter. Double dipping is illegal and that 's what sprint is doing and now tagged all XXXX credit reports.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Brisas De Canovanas, PR

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: Improper contact or sharing information.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Arsenal, PA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: They have listed on my credit report but made no attempt at contacting me. Suspect this is zombie debt. Set open date incorrectly for sure
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Bradley International, 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