Diversified Consultants, Inc

2015-12-17

Centuck, NY

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: Yes Timely Response

2015-12-17

Houston, TX

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

2015-12-16

Saint Augustine, FL

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: Reviewed my credit report and see that there is a medical debt that appeared on my credit report from Diversified Consultant. First, I do not have knowledge that I received notification of this debt to dispute the validity of this account. Second, they have an opening date of XXXX 2015 which has lowered my credit score. I have not been in the hospital or doctor 's office for several years. I need them to change the opening date to the date of service, but first they will need to send me a letter so I can review the validity of the debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-14

MS

False statements or representation

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

Attempted to collect wrong amount
Complaint: On XXXX XXXX, XXXX, I received a letter from Diversified Consultants, Inc. informing me of a {$710.00} balance due with XXXX XXXX. I sent a letter on XXXX XXXX, XXXX requesting verification of the debt. I received a letter from Diversified Consultants , Inc., dated XXXX XXXX, XXXX with a statement dated XXXX/XXXX/XXXX showing a balance of {$710.00}. However, I also have a billing statement from XXXX/XXXX/XXXX showing a {$0.00} balance from XXXX XXXX, one month after the statement from XXXX/XXXX/XXXX. This was not sent to me by either XXXX XXXX or Diversified Consultants , Inc . I gained access to my online account through XXXX website, where I downloaded the bill. XXXX XXXX canceled the bill principal of {$710.00} on XXXX/XXXX/XXXX. If anything, the original creditor should issue me a copy of IRS Form XXXX. The IRS requires this form for each debtor a company has canceled a debt of {$600.00} or more. My canceled balance of {$710.00} meets this requirement. The {$0.00} balance, {$710.00} credit, and lack of payment due on the XXXX/XXXX/XXXX shows that XXXX XXXX has canceled this debt, and will likely receive tax benefits. In XXXX, XXXX similarly tried to collect on an amount that had been noted as an " internal charge-off '', and was denied, as this may have created a mandatory duty under IRS regulations to issue the defendant a XXXX Creditors who benefit from this tax practice may render it " inequitable '' to allow them to belatedly enforce the alleged debt after it received the benefit of a charge-off. ( See, e.g. XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX ( Dist Ct XXXX XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX ( Bankr Ct XXXX XXXX XXXX ) [ " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ] ; see also XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( App XXXX ) ( issuance of Form XXXX after debt was written off is " XXXX '' that debt had been discharged by creditor, sufficient to create an issue of fact ) ; XXXX. I have included a copy of the final statement that shows the {$0.00} balance from XXXX XXXX, which I had to obtain on my own and was not sent to me during the verification process. Also, I have included the statement sent to me by Diversified Consultants , Inc. for XXXX XXXX, and the letter from Diversified Consultants accompanying it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-11

Anaheim, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I had filed a dispute towards a collections company who was reporting along with a second company a debt of {$610.00}. I sent a letter of debt verification which they could not respond to. This debt was not mine, they removed it from my credit report already. Now this new company has popped up in my credit report, reporting the same exact information. I have no idea who this company is or why they are reporting to my credit reports but I will be sending a letter of verification and filling a complaint because I have no idea who they are. This was XXXX 's closure response : " The account was recalled by XXXX on XXXX/XXXX/XXXX. The account was submitted for deletion from the credit report on XXXX/XXXX/XXXX. However, since she has indicated that the account remains on her credit report, we have submitted an online manual deletion on XXXX/XXXX/XXXX. The XXXX reference number is XXXX. We believe that this will resolve this matter for this consumer. If you have further questions, please feel free to contact XXXX XXXX at XXXX. ''
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-10

Sacramento, CA

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

2015-12-09

Hollis Center, ME

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

2015-12-08

Charlotte, NC

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

2015-12-08

Leesburg, 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

2015-12-08

Finksburg, MD

Improper contact or sharing of info

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

Contacted me instead of my attorney
Complaint: I have received multiple notices regarding this debt with XXXX from many different companies. My attorney previously notified DCI on XXXX XXXX, 2015 that I disputed this debt and that any further communication should be with my attorney. Despite this, I received a letter directly from DCI again on XXXX XXXX, 2015.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-07

Gerry, NY

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

2015-12-07

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Placed account on crefit report for XXXX. I have contacted att to verify debt. I am a current customer and have XXXX debt with the company. The collection was placed on my XXXX and XXXX report. The company calls about XXXX times a day from multiple numbers.
Company Response: Closed with explanation

Disputed: No Untimely Response

2015-12-06

H I A, PA

Improper contact or sharing of info

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

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

Disputed: No Timely Response

2015-12-05

Scottsdale, AZ

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: Yes Timely Response

2015-12-04

Rehoboth Bch, DE

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-30

SC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I was recently denied credit because DCI is reporting several accounts that are either a result of identity theft or mistaken identity. Explained that I had a XXXX wireless account years ago and it was paid in full spoke to several reps who said they could n't not help me that I had to dispute it with original creditor. They gave me the contact number and the original accounts numbers. Spoke to several reps, XXXX could n't locate the accounts and the other XXXX said that the accounts go back to XXXX not XXXX and that I had to dispute it with the collection agency. I wasted an hour trying to correct a serious mistake on my credit report and got nowhere and dealt with rude and careless individuals who was n't trying to assist me in getting this corrected. I 've suffered damages because of these accounts and I have disputed them with the credit bureaus as well but they continue to verify the debt when in fact they are not mine and neither party could validate such. They continue to shuffle me back and forth and neither company has resolved the matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-27

Austin, TX

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I purchase a phone on XXXX/XXXX/2014 and paid {$140.00} to XXXX XXXX XXXX. I have been told that I have two weeks to return the phones in case I change my mind. After a week I realized that I do n't have the budget to pay such amount on monthly basis, so I returned it. I was told that they will reimburse me only {$75.00}. So I paid for a week {$70.00}. I was ok with it. Then the phone was sold to another client and never changed the billing. When I received a letter that my account was sent to collection, I went to the store and asked for explanation. They could n't even connect the phone to my name, but to another client. The manager just said we ca n't do nothing and we are sorry. I went ahead as I did n't know what to do and paid a bill that it is not even mine, but this is still showing up on my credit report and it is hurting my credit score.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-11-27

Simi Valley, CA

False statements or representation

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

Attempted to collect wrong amount
Complaint: I have a contract with XXXX for {$19.00} for months XXXX through XXXX and {$49.00} for months XXXX. My very first billing was for {$30.00}. I called XXXX to resolve the billing as they were in breach of contract, and received no satisfactory resolve. I was then billed for the second month for {$60.00}. Again I called, and no resolve. After receiving the incorrect billing, I called to terminate their services. To which they now tacked on an early termination fee. I have tried to resolve this matter several times, mailed them my dispute, to no resolve. I have now been sent to collections for {$520.00}.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-25

Bentley, 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

2015-11-25

FL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: Diversified Consultants , Inc . XXXX XXXX XXXX, FL XXXXACCOUNT NUMBER : XXXXXX/XX/XXXX/XXXXXX/XX/XXXXToll Free : XXXX. Fax : XXXX. 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 notify Diversified Consultants 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 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 reportPlease send me a letter explaining what you have done to : Diversified Consultants , Inc 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 requestThank you for your cooperation. Sincerely, XXXX, XXXX XXXX DOB XX/XX/1982XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-24

Jamaica, 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

2015-11-24

Gloucester City, NJ

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: Yes Timely Response

2015-11-24

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

2015-11-23

Euclid, OH

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: A recent overview of my credit report revealed that Diversified Consultant, is appearing on my credit file. So I sent notice to this company that they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Diversified Consultant is continuing to report negative information on my credit report, even after they have failed to provide validation.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-21

Dublin, 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