Diversified Consultants, Inc

2019-03-16

Manhattan, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-03-16

Atl, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: I have accounts showing up on my credit report that is hurting my ability to apply for new credit. I have tried repeatedly to get verification of debt or any information on the debt being shown in my name to no avail.
Company Response: Closed with explanation

Timely Response

2019-03-15

Brandywine, NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-03-15

Katy, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-15

Henderson, NV

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-03-15

Detroit, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have a collection account on my credit report and i never open this account I'm a victim of Identity Theft. Diversified Consultant XXXX XX/XX/2018 {$0.00}
Company Response: Closed with explanation

Timely Response

2019-03-15

Las Vegas, NV

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XX/XX/2019, I received a notification that there was a change to my credit report. When I checked my notifications in my XXXX profile, it stated that a collection account was added to my credit report and that Diversified Consultants flagged that account as collections for the amount of {$52.00}. I called the number listed for them that was on my credit profile on XX/XX/2019 and they said they have no idea of this account and it shouldn't be on my credit profile and advised me to send in a dispute. If they didn't have any proof that this was my account then none of the Credit Bureaus should have never reported this on my credit report. This item remains on my credit profile as of today. It also looks like they are not licensed to collect in the sate of Nevada.
Company Response: Closed with explanation

Timely Response

2019-03-14

Tahlequah, OK

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-03-14

Chicago, IL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I have an outstanding debt with XXXX for {$120.00}. This is incorrect and they told me I was given XXXX cable boxes initially, but I was only given XXXX. I did not pay this as it was not something I truly owed. Since that time this debt has gone through XXXX separate companies. It is currently with Diversified Consultant. They have called my partner and asked for me. They are calling me multiple times per day. Always from a different number with an XXXX area code. They have called from XXXX, XXXX, XXXX, etc. I have not answered these calls as they are typically during business hours. I am a physician and these calls occur as I'm seeing patients and are very disruptive.
Company Response: Closed with explanation

Timely Response

2019-03-14

Brandon, MS

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-13

Shalimar, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had negotiated a " Pay For Delete '' with this collection agency, DIVERSIFIED CONSULTANTS in XXXX of 2019. I paid the debt, and they did not hold up their end of the bargain and delete the debt from my credit file.
Company Response: Closed with explanation

Timely Response

2019-03-13

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-13

San Francisco, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: DIVERSIFIED CONSULTANTS a XXXX, Florida-based collection agency erroneously reported an unpaid debt of {$270.00} for a XXXX/XXXX cable bill to the major credit agencies. For many months, XXXX/XXXX simply refused to send me a final bill to allow me to pay. They ( XXXX/XXXX ) then reported the debt to DIVERSIFIED CONSULTANTS without notifying me which is illegal in the state of California. Once I finally got a final bill -- which took many months -- I immediately paid it in full. DIVERSIFIED CONSULTANTS never attempted to contact me about this, they simply reported it to the credit agencies and damaged my credit -- which was otherwise perfect. I have now been rejected for a home mortgage based on this fraudulent claim. I have contacted XXXX/XXXX cable dozens of times in-person, by phone, and by email to demand that they contact their collection agency and rectify this ; but, so far, this has not resulted in the removal of the false claim from my credit report.
Company Response: Closed with explanation

Timely Response

2019-03-12

Tampa, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-12

Nappanee, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I just discovered I had an outstanding collection for an XXXX XXXX XXXX account I thought had already been handled. Now after paying the debt in full it is still showing as a collection on my credit report and Im also seeing where Diversified consultants repeatedly removed it from my Bureau and then re opened the following month lowering my score tremendously.. I never received any mail or calls about the debt and would of had no clue had we not been applying for a mortgage
Company Response: Closed with explanation

Timely Response

2019-03-12

Burlingame, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am reporting 2 incidents of identity theft that appear to be related. 1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX XXXX. Diversified Consultants, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an XXXX company ) on XX/XX/XXXX that the balance of {$970.00} has been reported by Diversified as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ).
Company Response: Closed with explanation

Timely Response

2019-03-11

Oxford, GA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I have no idea who Diversified Consultants Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Diversified Consultants Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Diversified Consultants Inc as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ Diversified Consultants Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to Diversified Consultants Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Company Response: Closed with explanation

Timely Response

2019-03-11

Itasca, IL

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: cancelled my service, and paid what i owed, they said they cancelled the wrong dates and i still owe them XXXX
Company Response: Closed with explanation

Timely Response

2019-03-10

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I received a letter from Diversified Consultants dated XXXX.19. On XXXX.19 sent a certified letter to Diversified disputing and explaining that I had already set up a monthly plan and had made payments, and that amount on their letter was not accurate. Instead of sending me the back up records they ignored my letter and reported this incorrectly to the credit bureaus.
Company Response: Closed with explanation

Timely Response

2019-03-10

Jamaica, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-10

Anaheim, CA

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
Complaint: I received a letter from Diversified Consultants dated XX/XX/19 regarding a {$680.00} bill from XXXX XXXX XXXX. I called Diversified on XX/XX/19 to let them know I do not believe I owed this debt. I changed wireless plan from XXXX XXXX XXXX to XXXX and I was informed by XXXX that they would take care of the switch and pay any existing balance on our phone so I was not aware of this outstanding debt. The letter from Diversified stated to reach out within 30 days which I did. Upon learning XXXX did not complete the process and payment was not sent to XXXX XXXX XXXX, I called Diversified back on XX/XX/19 to make full payment. I paid the full amount on this day ; however, I also learned that Diversified had reported this delinquent collection to my credit report. According to Diversified, they made the report to the credit bureaus on XX/XX/19. This was after I spoke with them on XX/XX/19 letting them know I did not believe I owed the bill and would be getting back to them. I asked them to remove this report to the credit bureaus and I was told that I did not dispute the bill when in fact I did call, and they acknowledged, on XX/XX/19 letting them know I did not believe I owed the bill and needed to investigate. Their response was that I did not specifically say I was disputing the bill. I'm not sure how much more clearer my words were when I said I did not believe I owed this bill. Their report was in violation of their own letter and I believe in violation of fair credit reporting act. I am in the process of shopping for mortgage refinance and this greatly affected my credit score and now unable to get good rates for my home refinance. I am also trying to obtain financing for a business venture but again, this will not take place because of this negative report.
Company Response: Closed with explanation

Timely Response

2019-03-09

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Call me over and over. Will not state reason why unless I confirm my name. Did not give them permission to call me or give them my number. Placed a {$430.00} debt collection on my credit report. Don't know even for what.
Company Response: Closed with explanation

Timely Response

2019-03-09

Beachwood, OH

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-03-08

Oxford, GA

Incorrect information on your report

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

Account information incorrect
Complaint: In XX/XX/2018, I called to set up service with XXXX. When they did not show up for appointment, I called and cancelled their service and set up service with XXXX XXXX XXXX instead. ( XXXX also lied about the speed and price they could offer for internet ) I was told account was cancelled and I owed nothing because they never came out to the home. In XXXX, I received 2 bills stating I owed money to XXXX. I called on both of those bills and was told account was closed and I owed nothing and to ignore the bill. In XXXX I received another bill from XXXX for {$51.00}. I called again, spoke to XXXX in billing and was told they forgot to cancel account but they would take care of it and we owed nothing. I was given this case # XXXX. Since XXXX, I have NOT received a single bill from XXXX or from their collection agency. I thought everything was fine until I see on XXXX XXXX that XXXX has sent the account to collections and they say that we owe them {$51.00} again. This is ridiculous! We have contacted them 3 times and was told every time that they closed our account and nothing was owed to them. We NEVER received services from them! We cancelled the account before it ever started.
Company Response: Closed with explanation

Timely Response

2019-03-08

Traver, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: In XX/XX/XXXX I was receiving phone calls from a number I did not recognize and no messages where left. I called the number and a representive stated I owed a balance and they would be placing a negative mark on my credit report if I did not pay the balance immediately. At which time I asked the representative for or a verification of debt from the company to be mailed to my residence and as of XX/XX/XXXX, I have yet to receive any verification of debt or anything regarding the debt. I want this removed from my credit report and never be placed on my credit report again. I do not owe the bill.
Company Response: Closed with explanation

Timely Response