Diversified Consultants, Inc
Consumer Complaints
There are over 4793 complaints on file for Diversified Consultants, Inc. Dated between 2019-12-05 and 2013-07-11.
Complaints Page 26
2019-03-08
Compton, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Acct XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$700.00}. This is a formal notice that your claim is disputed.
This is the second or third collection agency that has is trying to collect on account I did not open or ever have. Why is this being taken off my credit from one collection agency when they can not provide validation and then sold to another collection agency attempting to collect a debt I never signed for or have any knowledge of.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act 9including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA SSN # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Previous Collection Agency and complaint I want to file a complaint against, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX Account # XXXX. The claim I owe {$700.00}. On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to DIVERSIFIED CONSULTANT regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my XXXX XXXX account I submitted the validation letters to XXXX XXXX XXXX, XXXX. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. Thank you in advance XXXX XXXX
Company Response: Closed with explanation
2019-03-08
New Orleans, LA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I closed my account with XXXX in XX/XX/XXXX and had a balance due of {$680.00}. I received a letter from dated XX/XX/XXXX which stated they would be sending it to collections. I made a settlement payment of {$300.00} on XX/XX/XXXX.
I received no further communication from XXXX or anyone else.
In XXXX I noticed a new collection account on my credit report for {$870.00} from Diversified Collections. When I tried to contact them, I was told it was a new debt, which I knew wasn't true.
I was finally recently able to contact XXXX and told by them that they had charged off the debt XXXX XXXX. XXXX and sent it to collections XX/XX/XXXX.
Company Response: Closed with explanation
2019-03-07
Lafayette Hl, PA
Communication tactics
Debt collection: Credit card debt
Used obscene, profane, or other abusive language
Company Response: Closed with explanation
2019-03-07
NY
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Report states that I had service from XX/XX/2018 and date deliquiate was XX/XX/2018. Have tried to dispute, no contract, debt is not owed.
Company Response: Closed with explanation
2019-03-07
Laredo, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-07
Shoals, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Diversified consultants is reporting negative false information to all three major crediting reporting agencies XXXX me. I need copy of signed contract between me and diversified consultants with my wet signature. I have never signed a contract with diversified consultants and do not owe this debt. It needs to cease and desist on any collection and remove this false collection from my credit reports. I also demand any information they have and all statements dating back for 12 months to be sent to me with proof of my wet signature attached. I have contacted this company and they have refused to show proof I owe this debt and have failed to show I have a contract with them.
Company Response: Closed with explanation
2019-03-07
Blackburn, NC
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: Diversified Consultants ( Debt Collector ) keeps calling after they have been told to " Do Not Call Anymore '', but they continued to repeatedly calling my residence home telephone number and my cellphone number several times after being told to NOT CALL anymore.
Here are some of the dates and times of the calls : XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XXXX XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX &XX/XX/XXXX
Company Response: Closed with explanation
2019-03-07
Newnan, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: On XX/XX/XXXX, I received an email from XXXX XXXX, my credit monitoring service. It informed me that my credit score had dropped and that Diversified Consultants had illegally posted a collection account I have never heard of nor had an account with this company. My report shows that it was opened on XX/XX/XXXX with a balance of {$1200.00}. I have no know knowledge of this company nor this debt. I have never had an account with them. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I have always understood that, if I receive a letter from a debt collector and do not respond within 30 days, they can automatically assume that the alleged debt is mine. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, that, in order for me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have responded immediately within the 30 days by acknowledging that I have no knowledge of this debt with them and would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation affidavit, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can legally validate this debt. But again, I never received such a letter about this account ever in the mail. They have illegally posted and reported to my credit file file without adhering to the FDCPA laws. When I got the email on XX/XX/XXXX, I proceeded to contact them via phone number that was listed on the account ( XXXX ) to find out more about this alleged debt and illegal reporting. The automated line said my call would be transferred to a customer service, but I was continuously left on hold. There is no other contact information, but by phone. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I have spoken to a consumer protection attorney who is prepared to sue this company for punitive damages for illegal debt collection practice violation under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed.
DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Company Response: Closed with explanation
2019-03-06
San Felipe, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-03-06
San Jose, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-03-06
Bloomington, MN
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: This company keeps updating my credit report saying a new collection has been placed on my reports and it keeps dropping my credit scores this is beyond illegal to do that this has been a long process with them all they sent was a cell phone bill therere ruining my credit for they own can next step is a lawsuit against the company if This isnt removed from my credit report.
Company Response: Closed with explanation
2019-03-06
Cordova, TN
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I have received repeated calls from Diversified Consultants Inc regarding XXXX/XXXX service that I canceled and owed a balance on due to programming and equipment fees that I have paid and the equipment has been sent back and therefore I have zero obligation to this debt. The programming fee of {$55.00} was drafted from my account on XX/XX/2019 ( See attached PAYMENT.jpg ). The equipment was taken to the XXXX store on XX/XX/2019 as I was instructed ( see attached .pdfs ). From that point it was the responsibility of XXXX to ship the equipment to XXXX/XXXX. .As the attached recording proves I contacted DCI on XX/XX/2019 to inquire if the equipment had been received and while on the call made the payment arrangement for the programming fee. I have since received at least two more calls from DCI stating that I still owed a balance to which I dispute. I instructed the last caller to cease and desist from calling me and that I would be filling this complaint. I will seek legal counsel and file suit for any additional calls.
Company Response: Closed with explanation
2019-03-05
GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I've tried explaining to this company, the information that is reporting on my credit report isn't mine and I sign my name as XXXX XXXX.
Company Response: Closed with explanation
2019-03-05
Milton, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-03-05
Madison, AL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-03-04
Liverpool, TX
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Complaint: They numerous times and threaten to sue me. And the debt date is wrong when the collection agency received my debt.
Company Response: Closed with explanation
2019-03-04
Campbell, CA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-03-02
Atlanta, GA
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: Diversified Consultants is reporting on my XXXX, XXXX , & XXXX credit reports that I owe them {$470.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are they even legally licensed in my state to try & collect on false debts?
Company Response: Closed with explanation
2019-03-02
South Holland, IL
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-03-01
Colver, PA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-03-01
Galena, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. The following account are not mine I have never had an account with these companies : DIVERSIFIED CONSULTNTS, Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Company Response: Closed with explanation
2019-03-01
San Jacinto, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: Debt was paid in full and still showing on my credit report
Company Response: Closed with explanation
2019-03-01
Houston, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-03-01
Bronx, NY
Written notification about debt
Debt collection: I do not know
Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation
2019-02-28
Granada Hills, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with explanation