Diversified Consultants, Inc

2019-03-25

Sarasota, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: XXXX has HIRED Diversified Consultants Inc as the collection agency to try and collect a debt. They are USING an INTIMIDATION TACTIC by placing the DEBT on my credit reports WHILE they are TRYING TO VALIDATE THIS DEBT. I have NO signed CONTRACTS WITH THIS FIRM THAT OBLIGATES ME TO THIS DEBT and the fact that they placed it on my XXXX, XXXXXXXX & XXXX Credit Reports is a violation of the FAIR CREDIT REPORTING ACT & FAIR DEBT COLLECTION PRACTICES ACT
Company Response: Closed with explanation

Timely Response

2019-03-25

Crabtree Valley, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-25

Clayton, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX has repeatedly reported this debt amount of {$70.00} with an account # XXXX to my credit report and it has been transferred to several different collection agencies. I have spoken with XXXX twice via phone with the first person named XXXX confirming that I did not owe the amount and it would be removed, and the second person who would not provide her name refused to answer any of my questions and advising that my account was no longer with them and had been transferred to Diversified Collections. I specifically asked them to confirm what dates this bill amount was for as I paid my final bill amount on XX/XX/18 and immediately transferred my phone number to XXXX as of XX/XX/18, thereby closing the account. Clearly, the first representative blatantly lied to me. I will include emailed receipts as well as the documentation for the collection agency.
Company Response: Closed with explanation

Timely Response

2019-03-23

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have a debt that was paid ( {$200.00} ) in full to XXXX, XXXX on XX/XX/2019. However, Diversified Consultants is reporting on my credit for this account. I have mailed letters and asked that this account be removed from my credit report since Diversified Consultants no longer own this account.
Company Response: Closed with explanation

Timely Response

2019-03-23

Auburn Hills, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-23

Saint Paul, MN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: DIVERSIFIED CONSULTANTS, INC. has sent notice in the last few months that I owed for a previous account with XXXX. I have settled any misunderstandings with the original company and DIVERSIFIED CONSULTANTS, INC. is still reporting to the bureaus. I do not owe anyone or any company anything and would like any information saying otherwise removed at once.
Company Response: Closed with explanation

Timely Response

2019-03-23

Rehoboth Bch, DE

Incorrect information on your report

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

Information belongs to someone else
Complaint: Since the origin of the account /debt collection attempt dated XX/XX/2016 i contacted the debt collector directly diversified consultants as well as a representative of XXXX . I telephoned the company and requested copies of the original documents proving the debt is mine, I have been a victim of identity theft and have a fraud alert on my account. i never received any documentation nor validation of the debt therefore. Diversified Consultant is committing fraud by innuendo defamation of character as well as slander additional to a long array of violations and illegal practices in accordance to the FCRA as well as the Freedom of Information Act.
Company Response: Closed with explanation

Timely Response

2019-03-22

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Hello, Thanks for helping on this matter. I bought a phone from XXXX XXXX XXXX and I was told to returned back the phone within 2 weeks if I dont like the service. I returned this phones back in the space of XXXX because the service was bad. They took the phone back from me and offer to mail me a check for the taxes charged on the phone. They never mailed me the check and to my surprise I found out they report a total of XXXX on my credit. Im so shock to see how bad they hurt my credit even though I didnt have the phone in my possession. Please kindly help me on this matter. I have starved to pay my credit card bills and I was sad to see XXXX XXXX XXXX trying to hurt my credit with this FALSE claims. I dont have their phone or use their service or owe this sum of XXXX Please help me!! Thanks
Company Response: Closed with explanation

Timely Response

2019-03-21

Bevis, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-21

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-21

Gr, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants INC. has added a collection file to my credit report for a XXXX bill that I do not own I have never had XXXX and i have contacted XXXX before and explained this to them. They must have the wrong XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-21

TX

Confusing or misleading advertising or marketing

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

Complaint: XX/XX/2019 Diversified Consult Debt Collection {$500.00} for XXXX I asked the company before making the past due amount if this collection could get removed and deleted from credit and they told me they will also send me a documentation stating it will be deleted and removed but i called back on XX/XX/2019 to confirm the deletion and thats when they told me that the company doesn't do deletion.
Company Response: Closed with explanation

Timely Response

2019-03-21

Jacksonville, FL

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2019-03-21

Salton City, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I received a notification from XXXX/XXXX on XX/XX/XXXX indicating that a new account had been reported on my credit. Diversified Consultants Inc reported both derogatory accounts and did not send a written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.
Company Response: Closed with explanation

Timely Response

2019-03-20

Rawsonville, MI

Incorrect information on your report

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

Information belongs to someone else
Complaint: I NEVER HAD XXXX AT MY ADDRESS AND THIS ACCOUNT WAS STARTED BY SOMEONE OTHER THAN MYSELF USING INFORMATION THEY PROBABLY OBTAINED FROM THE DOCUMENTATION AND IDENTITY AND CREDENTIALS THAT WERE IN MY VEHICLE THAT WAS AUCTIONED OFF. THIS WAS REPORTED TO AND UNDER INVESTIGATION BY THE UNITED STATES POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISIONS, MANAGER XXXX XXXX OF THE US POSTAL INSPECTION SERVICE AND POLICE. THIS ACCOUNT WAS REPORTED OPENED ON XX/XX/2018 ON XXXX CREDIT REPORT # XXXX, WHICH IS VERY UNLIKELY TO BE ME WHO OPENED THE ACCOUNT AS I WAS NOT EVEN IN THE UNITED STATES DURING THAT TIME. AS SUCH, PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT AS IT IS HURTING MY ABILITY TO APPLY FOR CREDIT PRODUCTS AND EMPLOYMENT WITH THIS COLLECTION ITEM SHOWING ON MY CREDIT REPORT. A COMPLAINT ABOUT INACCURATE REPORTING HAS BEEN FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU REGARDING XXXX AND DIVERSIFIED CONSULTANTS INC.
Company Response: Closed with explanation

Timely Response

2019-03-20

Council, NC

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I have a few accounts that show on my report when its been over 7 years and should be off by now but they will not take off. And an account opened that is not mine or never agreed to and they will not remove. This has been over many days and dates to include
Company Response: Closed with explanation

Timely Response

2019-03-20

Kissimmee, FL

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Company Response: Closed with explanation

Timely Response

2019-03-20

Odell, OR

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: We were having money issues and asked XXXX to suspend our service so we wouldnt keep accruing bills we couldnt pay. They agreed to do that and during that time there was a work related injury and we had even less money. We decided to pay off comcast as soon as we could. We thought we might get sent to debt collection but were unsure of when. We were sent to debt collection in XX/XX/2019 ... .in XXXX of 2019 the XXXX XXXX XXXX has started putting Derogatory marks on my credit on a repeated basis ( 3 in a week ) for the same debt. The entire problem with this entire issue, we were never ONCE notified that we were about to be sent to debt collection, we were never once notified that we had been sent to Debt collection, by either XXXX OR the XXXX XXXX XXXX. Not one time did anyone from The Debt Collection Organization Call, Email, Send a letter, anything at all to try and reach out to let us know what was going on. Instead they quietly took our debt on and waited without saying a word and are now spamming our credit with Derogatory marks. We have zero idea of how we are supposed to pay the debt, because as I said, we had no idea we had been passed on to XXXX collection. I have messaged them twice to try and get this entire thing sorted and they have not responded once. They ignore our messages and instead just keep putting Derogatory marks on our credit.
Company Response: Closed with explanation

Timely Response

2019-03-20

Brooklyn, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

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

Timely Response

2019-03-20

Sarasota, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Diversified Consultants placed a collection on my credit report that is in VIOLATION of the Fair Credit Reporting Act And Fair Debt Collection Practices Act. 2. I have NO signed contracts with Diversified Consultants or their client, XXXX, I don't have anything belonging to XXXX and the collection agency they hired!. Therefore this is a FRAUDULENT collection and should be DELETED from my credit report ( s )
Company Response: Closed with explanation

Timely Response

2019-03-20

Sarasota, FL

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: Diversified Consultant # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with DIVERSIFIED CONSULTANTS OR their client ( XXXX XXXX I do NOT owe {$620.00} and I do NOT have 1 month terms with them OR their client. This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
Company Response: Closed with explanation

Timely Response

2019-03-19

Cordova, TN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: This dispute is in response to my discovery of a collections account on my credit reports from Diversified Consultants to collect a debt that I contend was not opened by or authorized to be opened by me. This is the second time that I have submitted a complaint regarding this account. The first collections attempt was via XXXX and it was removed from my credit report. I have filed the attached identity theft affidavit regarding this account and will also submit a fraud report with XXXX XXXX XXXX. Furthermore according to my credit report this collections account was added to my credit report on XX/XX/XXXX ; however as of XX/XX/XXXX I have received zero correspondence from Diversified Consultants informing me of their efforts to collect a debt, name of the creditor, amount owed or that I can dispute the debt per my rights under the Fair Debt Collections Practices Act. Also the Fair Debt Collections Practices Act, Section 609 ( a ) ( 1 ) ( A ), states XXXX XXXX XXXX / Diversified Consultants is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. That said I require verifiable proof ( the original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX Mobility / Diversified Consultant immediately remove all collections reporting entries from my credit report and cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper validation or verification has negatively impacted my ability to obtain credit and as a result I was rejected for credit. My next course of action will be contacting XXXX XXXX XXXX leadership of this violation of the FDCPA up to and including the CEO and Board of Directors and will purse litigation if this is not removed from my credit reports. If verification is not received within 30 days of this dispute under FCRA 15 U.S.C. 1681, unverified account reporting must be remove from all of my credit reporting agency report.
Company Response: Closed with explanation

Timely Response

2019-03-19

College Park, SC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-03-18

SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I was informed by the XXXX in SC to file a complaint here, because I had a bill that was supposed to be paid in full in XX/XX/XXXX. I never heard anything about the resolved bill until XX/XX/XXXX. Neither by postal mail, email, nor phone call. I received a phone call on XX/XX/XXXX from Deversified Consultants Inc ( XXXX ), explaining that I owed XXXX ( cable/wifi provider ) an amount of {$220.00}. Explaining the situation to the rep, I asked why after almost 2yrs I hadn't heard anything from the original biller in question. Of course she could not answer! So I asked if they had ever tried to contact me before. The rep explained, not to her knowledge, and she received my info to collect on XX/XX/XXXX. Asked again .... If you have all my contact info, why didn't they contact me anytime between XX/XX/XXXX and currentXX/XX/XXXX. Again, of course, she couldn't answer. The reason for this complaint is, I never once received any kind of contact neither from XXXX, nor the collections agency. According to the XXXX either company was supposed to contact me by mail, and provide 30 days for me to dispute the issue, which NEVER happened. Below is the complaint I sent to the XXXX in XXXX XXXX Missouri After having continuous problems with the company ( XXXX ), starting from the beginning ( XX/XX/XXXX ), I had to file a complaint with the XXXX concerning service ( case # XXXX ). In which getting resolved in XX/XX/XXXX. I continued using the cable/wifi provider until XX/XX/XXXX, when I paid my final bill. Final bill meaning ... I spoke with a representative on XX/XX/XXXX, getting billing current. After explaining the issues from prior, the representative informed me to change billing from XXXX XXXX to XXXX billing. I had to wait 3 business days for payment to post. Called on XX/XX/XXXX, to hopefully get a better rate. I explained my situation with the representative then, that we weren't using some of the package, and wanted a cheaper bill from the current {$120.00}. After being placed on an extended hold, the rep explained about her great news of eliminating certain things and down sizing the package would be {$150.00}. Asking if the rep had lost her mind, I told her that " I was done '' with them, and they would not receive any more money from me. They continued to keep service going through XX/XX/XXXX, even though I wasn't paying! They were supposed to send a return box for the devices. Never showed! XX/XX/XXXX, a rep showed up in the yard to retrieve the devices. Explained again the entire situation. After I released the devices, the rep explained I would receive an email explaining that the devices were returned, and I owed the company nothing {$0.00}!!! He gave me his contact info for a follow up. Waited 2wks and nothing. Texted the rep, and he said he'd come out and get the issue resolved. Waited another 2wks, and texted again. This time no response. So I called XXXX directly on XX/XX/XXXX. Talking with the rep, I found that the devices were returned, and I didn't owe the company any amount of money, per what the rep that received the devices explained! XX/XX/XXXX I receive a phone call from a collection agency explaining I owed XXXX {$220.00}. The rep explained that she received the info on XXXX. Explaining to the collections rep, that I assumed the issue was resolved in XX/XX/XXXX, and had NOT heard one thing from them via email, phone call, or postal mail, I would contact the company and get the issue handled. So ... Contacted a rep from XXXX immediately after ( same day XXXX ). She acknowledged everything. Times, dates, and rep 's concerning my issue. But explained the amount owed was wrong. It was {$140.00} ( approximate amount, I did not note exact, because I don't owe anything ). She explained she would get the info current to the collections rep. I explained I owed nothing several times. Openly admitting that all my notes were correct, finding all my issues, and explaining that there " could '' have been a misunderstanding on either end, I asked why it had taken from XX/XX/XXXX until XX/XX/XXXX to hear anything. AGAIN, no contact from XXXX since XXXX, until a collection agency phone call on XXXX. She again said maybe a misunderstanding, but would not resolve the issue, so now we're here! Please feel free to contact me, as I have more accurate dates and names. Thank you!
Company Response: Closed with explanation

Timely Response

2019-03-18

Fort Pierce, FL

Written notification about debt

Debt collection: Other debt

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

Timely Response