Diversified Consultants, Inc

2019-02-23

La Porte, TX

Communication tactics

Debt collection: Other debt

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

Timely Response

2019-02-23

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I setup XXXX XXXX internet service in my apartment. XXXX was continually unable to deliver the internet speed or connectivity that I had paid for by their own " Speed Test '' measurement metric. Over the course of the 2 months that I had XXXX, I logged over 17 calls to customer service, where their representatives both verified and logged that my speed was, at times, 1/10th of what I was paying for. I then proceeded to upgrade my package in an effort to get even the most limited internet service that I needed ; it did not work. XXXX sent 2 techs to my home, charged me for both, and I subsequently logged 7 more calls where the techs verified that my internet speed was meaningfully below what contracted speeds. After over 20 calls, 2 months and 2 tech visits, I informed XXXX that I would be cancelling my internet service due to their continued and verified inability ( by their own metric ) to deliver the internet speed for which we had contracted and I had paid. XXXX refused to waive their {$150.00} termination fee, despite clearly being unable to provide the service after having been given 40+ opportunities and still charging me for it. I refused to pay this, as XXXX had clearly not been able to hold up their side of the contract for which they were charging me to break. In early XXXX, I proceeded to file a Better Business Bureau complaint against the Company. On XX/XX/XXXX, I was contacted by a representative of their Company via phone and email who identified themselves as a manager. After speaking with her, she again refused to waive the cancellation fee for their services. Frustrated, and having logged countless hours on the phone with their XXXX, I agreed to pay the settlement amount that she offered me to clear the bill from my records, which was {$74.00} on an entire bill that they were trying to collect of {$190.00}. I received a confirmation from their Company for this one-time payment on XX/XX/XXXX. In early XXXX, I noticed that my credit report score had dropped from XXXX to XXXX due to my first an only attempt by a debt collector to report a debt. I learned that a Company called Diversified Consultants IN, in XXXX, FL, d/b/a, DCI, had been engaged by XXXX to collect the entire sum of this debt, {$190.00}, on XX/XX/XXXX. Therefore, XXXX negotiated a settlement with me, accepted payment for the settlement, but had already referred the debt for collection to DCI. I filed a dispute with XXXX where I uploaded documentation showing that I had complained to the XXXX XXXX XXXX, been contacted by the Company via email, and submitted a one-time settlement payment. XXXX then contacted DCI ( not XXXX ), leading them to issue a resolution confirming that the debt exists on XX/XX/XXXX and subtracting the {$74.00}, the amount of the entire settlement that was negotiated with XXXX, from the {$190.00}, the original fraudulent amount that XXXX had tried to collect from me. I am in a position where I do not know who to turn to about this. I monitor my credit health weekly. I have never missed a payment for anything. I have gone through all of the proper channels but XXXX continues to employ fraudulent behavior and not be held accountable. Even if I were to pay the balance of the outstanding amount with XXXX, which would be a completely fraudulent amount being collected at this point given my settlement with XXXX, I would still have a derogatory collections mark on my credit report, which is incorrect.
Company Response: Closed with explanation

Timely Response

2019-02-22

Rockaway Beach, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: This is a company called Diversified Consulnts claim I owe them {$460.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$460.00}. I never signed anything. This is fraud.
Company Response: Closed with explanation

Timely Response

2019-02-22

WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: When I took internet service through XXXX, they partnered with XXXX and added TV service. XXXX told there is no contract. I had to cancel the internet service under a month as the service was not good. So, I returned all the equipment and paid everything to XXXX. Few months after XXXX says, I have a contract with them and asking me to pay termination fee. Since, I never contracted with them directly and XXXX said there is no contract I refused to pay. I tried to resolve the matter with XXXX and XXXX ( XXXX ), but they keep asking and finally sent to collections. First, I dont owe any money to them. I returned all equipments, paid all fee and have a receipt from XXXX that I don't owe anything ( XXXX bills are part of XXXX who is the primary/only deal I have ). I never spoke to XXXX To get the service at my home. But I had to call them as soon as I cancelled XXXX just to make sure I dont get overcharged and there could be communication disconnect. Now, The collections reported multiple times and multiple agencies on the same account. which I found it to be illegal ( multiple collection companies reporting same ) " XXXX XXXX XXXX '' is reported 4 times on my credit report via XXXX ( when checked through XXXX XXXX ) * XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Again, " Diversified consultant '' reported on XX/XX/XXXX This is harassing and trying to get XXXX $ which I never owe to them. Please take a legal action against these illegal practices. Because of them my credit score came down from XXXX to XXXX now and they continue to bring down by reporting it again and again! Here is the info of the 2 companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Diversified Consultant XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2019-02-22

Davie, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-22

CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Paid amount to original creditor ( XXXX ) XXXX stated that it would be a pay for delete from my report if the amount was paid in full. They also confirmed that the collections account would be removed from my credit report.
Company Response: Closed with explanation

Timely Response

2019-02-22

Glendale, CO

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: To whom it may concern : I hope this message finds you well. I was a loyal XXXX customer for two years and always paid my balance in full. I never received any notification that I had debt with this company until I received a phone call from XXXX XXXX Debt Collection Agency in XX/XX/XXXX stating that I owed XXXX . This was the first time I was informed of having any sort of debt with this company and I immediately paid the balance in full. When I moved I had cancelled the service and was not made aware of any remaining balance. I have always been responsible and accountable for my finances and this mark is an inaccurate representation of who I am as a consumer. Moving forward, I would not want this wrongful accusation on my history to negatively affect my opportunities in the future which revolve around my credit score. Thank you for your consideration and attention to this matter.
Company Response: Closed with explanation

Timely Response

2019-02-21

Garrison, MD

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-02-21

Chicago, IL

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Complaint: This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( XXXX ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.
Company Response: Closed with explanation

Timely Response

2019-02-21

Stafford, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Diversified consultants reported an old account from XXXX as a collection account to my credit which in fact was discharged in a chapter XXXX bankruptcy. They refuse to remove the debt and are violating federal law because this debt by law is no longer allowed to be collected.
Company Response: Closed with explanation

Timely Response

2019-02-21

Sebring, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: There is a collection that just report on my credit file which is NOT mine. Please help Diversified Consultants an ATT account which I have never had this needs to be removed ASAP
Company Response: Closed with explanation

Timely Response

2019-02-21

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-02-21

Moapa, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: DCI ( Diversified Consultants Inc. ) have been given repeated opportunities to provide me with any and all documentation that the FCRA enables me to request. FCRA 609 states that I am entitled to see the physical copy of the original consumer signed contract bearing my signature. This documentation or contract that FCRA 609 is referring to is documentation that the credit bureau 's must be shown for any disputed account to be legitimized as 'verified '. DCI refuses to give me a contract yet continues to report onto my credit. I am asking to see all documentation that they have with my social security number, signature, and I.D . This company is in full violation of the FCRA by revealing that they only have an itemized bill and absolutely no documentation proving that the account belongs to me, however, they've refused to cease all collection attempts and to delete the account. Then, the company informed me that they'd send a fraud affadavit to me. I will and can take ALL legal actions myself, I don't need their help. All I need, is to see this contract prior to me moving forward with local law enforcement. Upon this company providing me with the contract, I will take the documentation to my attorney and local police department as proof that fraudulent activites have taken place. Until then, I need to see this contract ( the only legal binding document that can make me liable for the account ) that was signed in my name.
Company Response: Closed with explanation

Timely Response

2019-02-21

Manhattan, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-21

Cleveland, OH

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-02-21

Miami, FL

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2019-02-20

Vistas Del Rio Iii, PR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-20

New Orleans, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-19

Oxford, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX Re : Disputing errors on credit report I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX credit consumer reports : Dispute : [ Diversified Consultants INC - on behalf of XXXX ] I have reached out to both XXXX and now Diversified Consultants on XX/XX/XXXX more than 30 days ago in regards to providing me with a itemized bill or agreement for this account. I also initiated a dispute through XXXX and XXXX XXXX. I have no recollection of establishing an account with this provider. It has been over 6 months. I have not received any proof of establishment of this account. The first outcome was a balance decrease. from XXXX to now XXXX. The second dispute result left comments on the bottom of my credit report that states that I am disputing this account. Thank you for your assistance. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-02-19

Madison, WI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-19

El Paso, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-19

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-19

Eagle Creek, IN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-18

Glendale, CO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : DIVERSIFIED CONSULTANTS INC. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019 at XXXX XXXX. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 47 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and DIVERSIFIED CONSULTANTS, INC. have NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Company Response: Closed with explanation

Timely Response

2019-02-18

South Florida, FL

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