Diversified Consultants, Inc

2019-04-10

Columbus, OH

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-04-10

Wonder Lake, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I recently had something from XXXX put on my credit report in XXXX of this year .... I told sprint that i never opened a account and they maile me a fraud packet without any proof on who opened an account with my social security number .... Im trying to buy a house and now that lowered my credit score ... Im hoping that bringing this to your attention and investigating further will show that i never opened a account ... XXXX gave the account to a debt collector and the amount is XXXX dollars .... The debt collection who has this info telephone number is XXXX ....
Company Response: Closed with explanation

Timely Response

2019-04-09

Los Angeles, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-04-09

IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX at XXXX I received a phone call. Gentlemen asked for me by name. I asked who was calling. He said his name and the company too fast to understand. Ask him to repeat. He repeated it slower and I was able to understand. I dont remember his name but he was calling from diversified consultants. I never confirmed or denied I was the person he is looking for nor did I verify any personal information. I simply said how can I help you. He proceeded to tell me he was calling from a 3rd party debt collector for XXXX and I owed {$140.00}. I ended the call. He gave out information regarding a debt to somebody who could have been a total stranger to the person he was looking for. On XX/XX/XXXX at XXXX I received another call. I said you have incorrect information and was hung up. At XXXX on XXXX i received another call. I was not very polite but told the lady they already called and talked to some one that day and couldnt call again. She said they could call up to 3 times a day and they didnt call. I told her they could call 3 times if times if a message isnt left or they dont talk to anyone. She repeated they never called that day and was angry I was rude to her and hung up. On XX/XX/XXXX i received a letter in the mail. It states they are collecting a {$140.00} debt from XXXX. I have contacted XXXX. They have no record of me owing this debt.o have not contacted diversified consultants yet because of poor reception but plan to tomorrow. They are attempting to collect a non existent debt, violated privacy laws, and made repeated phone calls in one day.
Company Response: Closed with explanation

Timely Response

2019-04-08

Cheverly, MD

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/2019 Diversified Consultant reported a negative comment on my credit report of XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-08

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I moved my services from one house to another with XXXX after we relocated to our new house as of XX/XX/XXXX. XXXX never cancelled my old account, and ended up trying to claim debts owed to an account that should have been closed and transferred in the terms of {$530.00}, including a {$200.00} " early termination fee '' ; which is interesting, considering that I was ( am ) still a XXXX customer, albeit with a new address and account number provided to me when I " transferred '' my service. I had conversations with XXXX on Friday, XX/XX/XXXX to reassert that the account should have been closed, and the account should not be in arrears. This was confirmed to me on XX/XX/XXXX. I was then contacted again by XXXX on Monday, XX/XX/XXXX, and again reasserted the fact that there was no debt owed on the account. This was confirmed by both XXXX ( Rep # XXXX ) and XXXX ( Rep # XXXX ) in the XXXX Billing department on XX/XX/XXXX. I then received a collections notice from Diversified Consultants , Inc. on XX/XX/XXXX saying that XXXX had referred me to collections for the " debt '' they said I owed on the account that should have been closed and verified no debt owed. I then disputed this collections claim with Diversified Consultants, Inc. with all of the above mentioned information. Diversified Consultants, Inc. then replied back to my dispute saying that they had " investigated and verified that the account information ... is accurate including the name listed on the account as well as the amount owed ''. I find this to be impossible, as I have multiple conversations confirming no debt owed on this account. And if it is possible, I still have no record of this debt myself, and no understanding of how Diversified Consultants verified this debt. I want copies of all information and documents used to " verify '' this debt. I'm now stuck dealing with a collections agent uninterested in rectifying my original collections claim, and a XXXX XXXX that has sold my " debt '' to Diversified Consultants, Inc. and has no record of my original disputes.
Company Response: Closed with explanation

Timely Response

2019-04-07

Roberts, ID

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Complaint: Every morning Monday through Friday I receive at call at or around XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX at XXXX XXXX. Monday XX/XX/XXXX I was called at XXXX. Tuesday XX/XX/XXXX I was called at XXXX. I had called them near noon multiple times and told them that they are not allowed to call me before XXXX. They immediately ignored my complaint and began trying to argue that I need to verify and set up a payment plan. The company name is Diversified Consultants.
Company Response: Closed with explanation

Timely Response

2019-04-06

Detroit, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-04-06

MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This is a complaint against XXXX / XXXX for repeated harassment on an identity theft scam that I've spent 1.5 years trying to resolve. XXXX has reduced my credit score by approximately 60 points on two occasions ( I resolved the matter once and then it was if they forgot about it and started collections again ). My identity was stolen and used to procure cable/internet service via XXXX. This occurred on or about the period of XXXX through the Fall of XXXX. The service was in XXXX, XXXX. I live in XXXX, XXXX ( 500+ miles away ). This one instance of fraud has been pursued twice against me by XXXX. Both times I've provided reasonable and complete information based on the documentation they asked for. The fact that XXXX 's own negligence handling the matter caused them to do this twice to me is core basis for the complaint. On the first occasion, in XX/XX/XXXX, XXXX XXXX ( XXXX ) debt collectors appeared on my credit report. After several phone calls with them, XXXX, and the credit bureaus, I learned the details of the fraud cable service provided to XXXX XXXX XXXX, XXXX, XXXX. In fact, through a simple Google search, I was able to develop a profile of who the fraudster may be. Further, it was immediately evident that this profile did not match me someone living 500 miles away. XXXX did none of this investigation. However, after I sorted through the call transfers at XXXX and provided information, the account and collection was removed from my credit reports. My credit score also reverted to it's original ( pre XXXX nonsense ) range. Then more than 6 months later, collection efforts for the same issue started again. In XXXX or XXXX of XXXX, the same XXXX, XXXX occurrence then was sent to a new collection agency, Diversified Consultants, Inc. ( DC ). I had discussions with XXXX and DC in or about XXXX and early XX/XX/XXXX to explain that XXXX had already pursued me and the matter had been resolved. These representatives had no record of this and I was advised to submit information again. On or about XX/XX/XXXX I mailed letters, information, documents, and an affidavit to DC and XXXX. A complete and sufficient package of evidence to again demonstrate I am the victim. I received a letter XX/XX/XXXX from XXXX stating it received an incomplete fraud package and then listed as missing the information that Id sent. On XX/XX/XXXX, I spoke to XXXX ( XXXX ID XXXX ) to find out what was missing and explain what I sent. XXXX complained that he had no information in my file that showed what I actually sent. He asked me to send everything again. I sent everything again on XX/XX/XXXX, plus another record of my address in XXXX XXXX. I've conducted more than 16 phone calls with XXXX, it's collectors, and the credit bureaus. My credit reports are and have been locked for a long time, with fraud notes on them. I've got zero confidence that XXXX will resolve this matter - a clear identity theft of {$300.00} has taken more than 35 hours of my time over 18 months. My credit score remains down 60 points with this collection on my record.
Company Response: Closed with explanation

Timely Response

2019-04-05

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Last year a complaint was filed against XXXX, and now the same debt appears on my credit but under a different collection company, " Diversified consultants ''. I have no knowledge of this, I have never done business with XXXX ( and never will after this ). I have been living at the same address for 28 years with the same phone number for over 12 years, I have never been contacted on this matter. The only reason I am aware is because I check XXXX XXXX and I have automatic notification every month.
Company Response: Closed with explanation

Timely Response

2019-04-05

Peabody, MA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-04-05

Ashville, OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX keeps adding diversified consultants ( XXXX XXXX ) after ftc told them XXXX XXXX credit report had identity theft. This was never his item.. XXXX has police reports and ftc reports in file on this account
Company Response: Closed with explanation

Timely Response

2019-04-04

New Port Richey, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-04

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XXXX XXXX bills me for wireless i never had. Keeps billing me XXXX I wont pay it. The collection agency called and sent notice. I owe you nothing. Never had a XXXX XXXX XXXX wireless or any other service.
Company Response: Closed with explanation

Timely Response

2019-04-04

Little Canada, MN

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-04-04

Bremen, GA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: More than 4 time I called them they pass me to XXXX XXXX XXXX XXXX XXXX XXXX pass me back to collection department and they pass me to diversifild consultant and this cycle turned for three time. Just you owe nothing but they dont know what is the collection
Company Response: Closed with explanation

Timely Response

2019-04-03

NM

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Diversified consultant XXXX is reporting on my credit and I have never received anything from them. I do not owe XXXX anyways because back then we got XXXX & we paid our final bills. I don't even know what this is for and the last time we had sprint was well over 4 years ago so this debt is past the statute of limitations also. XXXX should have no charges for me under the XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-03

Mboro, TN

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-04-03

Bell Canyon, CA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-04-03

Rehoboth Bch, DE

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-04-03

Kyle, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-03

SD

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: In the past week I have received frequent repeated calls from XXXX XXXX XXXX ( they say ) ( XXXX XXXX on caller ID is only one of the phone numbers they have used ). They have been trying time after time to confirm my personal information that they have, including name, address, and social security number. I have not cooperated, and asked them to stop calling and told them that the information they do have has apparently been fraudulently compiled. The address that they have for me is wrong - they have me on XXXX XXXX in XXXX XXXX, Texas. That is not me. I would like someone to send law enforcement to that location and pursue the real perpetrator. Thank you.
Company Response: Closed with explanation

Timely Response

2019-04-02

Briaroaks, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-04-02

Henderson, NV

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-01

Sebring, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: A few months I sent Diversified Consultnts a letter stating I never received any info notifying me about the debt. I understand that I have 30 days to dispute their claims. I sent a letter asking them to validate the debt. To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. The proof initial letter was sent notifying me of the debt. 2. Proof that you have the right to collect this debt in my state. 3. Proof that your company carries a bond. 4. Proof that the Statute of Limitations has not expired. 5. Complete payment history on this account along with an accounting of all additional charges being assessed. 6. Copy of the original contract bearing my signature. 7. Your license numbers and Registered Agent 8. Name and address from the original creditor. 9.. Proof that you either own or were assigned the debt from the creditor. Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. Thanks, XXXX XXXX
Company Response: Closed with explanation

Timely Response