Diversified Consultants, Inc

2019-02-02

Wonder Lake, 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

Was not notified of investigation status or results
Complaint: XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/, 2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2019-02-01

Centerville Branch, GA

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

2019-02-01

Memphis, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX is stating that I owe a debt in access of {$660.00} dollars.and I am not understanding what the amount is based on.because still to this day of XX/XX/19 I am still with XXXX phone service and has been.i pay my bill regularly on time every month..some has called me regularly stating that I owe and Ive told them numerous amounts of times I a still with XXXX and pay my bill on time..Ive sent letters and attempted to call to settle this and yet still no conclusion and now it has been put on my credit ruining my credit score..please help me figure out what is going wrong..
Company Response: Closed with explanation

Timely Response

2019-02-01

Arco, 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 had moved to over seas on XX/XX/2015 permanantly but had noticed someone stole my information and screwed my credit.I was in CA for short period of time and I think my room mate had my information and used my info. This is not mine Diversified Consultant Acct # XXXX
Company Response: Closed with explanation

Timely Response

2019-01-30

Long Beach, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-01-30

Simi Valley, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: From XX/XX/XXXX to XX/XX/XXXX we had a temporary apartment in XXXX XXXX. I was there for XXXX and a month of XXXX XXXX. During the stay we set up a XXXX account for internet service. My wife made the call and the account was set up in her name. When we moved out in XX/XX/XXXX ( back to our home in XXXX XXXX, Ca ), we received instructions from XXXX where to return our equipment but did not receive a final bill. Unfortunately, we were not aware of an outstanding balance. With a short-term rental, we were required to pay upfront for services, so not receiving a final bill from XXXX did not set off any alarms. In early XXXX we received a notice from Diversified Consultants, we immediately called XXXX and paid the balance due of {$160.00}. Diversified Consultants posted on my wifes credit report on XX/XX/XXXX. Diversified will not remove this from the credit report and XXXX claims they can not help. We pay our bills and have perfect credit otherwise. Unfortunately, XXXX is a large company that has gotten away from personal interaction. And Diversified will not do anything to remove it from the credit report. We made an offer on a house that was accepted and were unaware of this on the credit report. This will cost us thousands of dollars in higher interest rates and a larger down payment to qualify for a conventional loan as opposed to a jumbo loan. XXXX had many ways to reach us by phone, email and home address. We left a forwarding address at the temporary apartment. We simply never received a bill. At this time XXXX claims they can not help. And that is in the rare occasion we reach someone there that knows what they are doing. Diversified refuses to remove the collection from the credit report. We paid the debt directly to XXXX as soon as we were aware of it and Diversified should never have been involved. Diversified Consultants , Inc . XXXX XXXX XXXX XXXX, FL XXXX General Inquiries ( XXXX ) XXXX XXXX No contact info available.
Company Response: Closed with explanation

Timely Response

2019-01-30

Chicago, IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I have never received any written or verbal communication from this company stating I owe them anything. The last I heard from XXXX was they were going to investigate the debt and they will have diversified consultants stop the credit reporting. This is against the law and they have no proof that I owe this debt.
Company Response: Closed with explanation

Timely Response

2019-01-30

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On or about XX/XX/XXXX, Diversified Consultants added, once again, an account that has already been identified as not mine back in XX/XX/XXXX. This is the same company that was included in a federal lawsuit filed in the State of IL and subsequently dismissed when Diversified Consultants removed the account. This company continues to report an account that is not mine and they have never provided, in past communications, any proof that the account is valid. Their assumption is based on a name only and nothing else. This needs to stop, and they need to remove this account from my credit reports immediately.
Company Response: Closed with explanation

Timely Response

2019-01-30

Potomac Falls, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-01-30

AL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XX/XX/XXXX. When i received notification from the credit bureaus that a negative account had been posted to my account. I explained the process that lead up to my cancelling my account with XXXX XXXX XXXX and me receive errounoues and incorrect bills. I informed them of my contact with an XXXX XXXX XXXX agent explaining my confusion and dispute on the bills that were sent. As you can also see, the amount of the bills increased significantly, which totally confused me. The agent advised me to not do anything until i received updated information on the account and updated amount that I owed, if anything. That was in XX/XX/XXXX. I never received additional information on the account. I am assuming it was because I was not an active customer. So while I am waiting on information from XXXX XXXX XXXX, apparently my account was passed to a collection agency who reported my account as in collection, while I was in dispute and awaiting correspondency and validation from XXXX XXXX XXXX. I had no choice but to pay this amount today to DCI, the collection agency, because my daughter is trying to get into college with our parent plus and I am battling XXXX, so I didn't have many option. I am please asking you request XXXX XXXX XXXX and Diversied Collection Agents to remove this item from my credit report as I was not given the opportunity or correct information to dispute it. It was incorrectly reported. As you review the order/dates I received the following documents, you can see how confused and upset I was. I made the correct attempts to the company in the required amount of time to dispute the amounts. Reporting this as a collection account as an attempt to hurt me and my family was wrong
Company Response: Closed with explanation

Timely Response

2019-01-29

AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/XXXX Diversified Consultants began illegally reporting an amount of {$59.00} on my XXXX, XXXX and XXXX which has severely impacted my credit. On XX/XX/XXXX I wrote Diversified Consultants and requested under FDCPA, 15 USC 1692g Sec.809 { b } for validation of the following information : 1. What was the amount owed for 2. Explain and show how they calculated the amount 3. Provide copies of documents that show I agreed to pay said amount 4. Provide verification or copy judgement if applicable 5. Identify creditor 6. Prove statute of limitations is not expired 7. proof of license to collect in the state of Arkansas 8. Provide license numbers and registered agent or agent of services. Diversified Consultants to this day has not provided any of the above requested information within the 30 days requested or required. I am writing this today on XX/XX/XXXX to bring attention to the unscrupulous collection protocol of Diversified Consultants. And to demand that the collection account # XXXX be permanently removed from my credit reports! Diversified Consultants has been given ample to time to comply. In the letter dated XX/XX/XXXX Diversified Consultants was instructed that all contact moving forward be in writing and to not call my place of business or home. Diversified Consultant violated that request on XX/XX/XXXX at XXXX XXXX by calling me and requesting that I verify the last four digits of social security number and address. I politely stated that all contact has been requested to be in writing and I ended the call. I am demanding a cease and deceits of collections and reporting to any and all credit bureaus and that all collections by Diversified Consultants be removed from my credit files and reports immediately! Please see attached 6 documents of proof of all information communicated. Thank you, Sincerely XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-01-28

Burlingame, 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

Their investigation did not fix an error on your report
Complaint: The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. DIVERSIFIED CONSULTANT ACC # XXXX, Date Opened XX/XX/2017, I am attaching the dispute letter/documents I sent to this company
Company Response: Closed with explanation

Timely Response

2019-01-28

Baytown, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-01-28

Fayetteville, NC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-01-27

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX has made attempts to collect this debt before and was resolved as not our debt. Now they are using Diversified Consultants to re-open this closed matter. Diversified Consultants has never contacted us in any way concerning this matter. While checking my credit report I saw this derogatory collection. I have brought to their attention over 60 days ago without resolve.
Company Response: Closed with explanation

Timely Response

2019-01-27

Benbrook, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-01-27

Las Vegas, NV

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-01-27

OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Received a letter from XXXX about breach at XXXX XXXX and that I had free credit monitoring. While looking over my credit report there was two accounts in collections with Diversified Consultant ( XXXX ) XXXX. One was for XXXX alert date XX/XX/XXXX and the other was for XXXX alert dateXX/XX/XXXX and I am not in the rear on any of my bills and do not believe these should be on my credit report.
Company Response: Closed with explanation

Timely Response

2019-01-26

Loganville, GA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-01-25

Santa Ysabel, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: In XX/XX/XXXX I switched phone companies XXXX bought out my XXXX contract as part of the deal for switching to them. Then in XX/XX/XXXX, I noticed XXXX was still charging my bank account. I went through all my Bank statements and realized they had started charging me {$80.00} a month starting in XX/XX/XXXX without sending any sort of bill. 2 months after XXXX bought out my contract. I called XXXX Customer service to figure out what the issue was. The gentlemen on the phone told me that he could see that I had switched services but was still showing I was being billed. He submitted a refund request for me and closed everything completely. Then in XX/XX/XXXX, my mom received a letter from XXXX at her house halfway across the country as I live in CA and she is in MO. it was a bill saying I was past due {$170.00} and it was going to collections. I called XXXX customer service again to figure out why they are still billing me. The women told me that my account was closed and it was an early cancelation fee. she also informed me that my refund request for the 6 months of being charged {$80.00} was denied because they informed me that they were billing it in my email. which I went back and looked I did not receive one invoice from XXXX the only emails received were wanting me to come back to XXXX. I asked for the {$170.00} to be waived because they had stolen money straight from my account while I had no services opened with the company during the time. and XXXX bought out my contract to include all fees. This request was also declined. I tried explaining the situation to the debt collectors. XXXX messed up on closing my account when I switched to XXXX, they refuse to reimburse me and the debt has hit my credit report 3 times. No one has been willing to work with me on resolving the situation. I don't understand how the same debt can continue to knock my credit score for something that was XXXX mistake and they refuse to take responsibility.
Company Response: Closed with explanation

Timely Response

2019-01-25

Cibolo, TX

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

2019-01-25

Rockwell, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: In XXXX, I ended my contract with XXXX when I moved away from their service area. I paid the termination fee, as needed. I paid this via the website, per usual. I'm not sure how wires got crossed ( or if they did ), but XXXX now claims that I did not pay the termination fees. In XXXX, Diversified Consultants, a debt - buying collection company, bought the alleged debt from XXXX, and began pursuing collection. In XX/XX/XXXX, Diversified Consultants sold my debt to another debt - buying collection company, XXXX XXXX , XXXX . This has caused damage to my reputation via my credit reports. I have disputed this multiple times and it keeps coming back to haunt me, because it has not been removed from my XXXX nor XXXX credit reports. I just want this to go away for good.
Company Response: Closed with explanation

Timely Response

2019-01-25

IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I entered a two year agreement with XXXX and as a part of that agreement I was supposed to receive a discounted rate for the full two years. However, after a year, XXXX removed my discounted rate stating that I did not fulfill the terms of my contract because I did not have any other services with XXXX XXXX XXXX. First of all, they don't offer high speed internet in my area, I have no use for a landline phone, and their cell phone charges are double what I pay with XXXX. Therefore, it would not have benefited me at all to add any other XXXX XXXX XXXX service and shame on them for trying to strong arm customers into using their inflated and inferior services! Also, this was not part of the original agreement and the representative on the phone stated I had received an email with a notice to the change of the terms and conditions. However, I could not locate such an email and neither could the representative on the phone. I tried for about an hour on the phone to remedy the situation, however I kept being told there was nothing they can do besides offer me other " deals '' that were all more expensive than the deal I had. Therefore I cancelled my service and they charged me an early termination fee. I feel that they are the ones that breached the contract, not me. For those reasons, I dispute the debt that has now ruined my credit by going to collections and constantly getting transferred. Also I would like to note, the Representative who first approached me about getting service with them told me that I would not pay an installation fee. I told him I was in the process of buying a house and would move in about 2 months. He told me that neither installation would be charged. However, when I moved, I was charged an installation fee. When I called about it, I was told they had to charge the fee. I was mad about it but didn't want to spend time and energy disputing it. If that were the case, I would have waited until I moved! Working with XXXX was a nightmare from the beginning. I wish I would have stuck to the original service I had with XXXX. I have disputed this collection with the first collection agency by mail, with all 3 credit bureaus, and with the most recent collection agency, Diversified Consultant, by phone and have been unsuccessful in each attempt because XXXX keeps providing a statement that shows the early termination fee. Yet, they still have not provided information showing that I was provided a change in terms, which according to them would have allowed me to cancel after a certain amount of days without penalty.
Company Response: Closed with explanation

Timely Response

2019-01-24

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-01-24

Written notification about debt

Debt collection: Other debt

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

Timely Response