Diversified Consultants, Inc

2018-12-18

Antelope, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-18

East Liberty, PA

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
Company Response: Closed with explanation

Timely Response

2018-12-18

Marrero, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-18

Celebration, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-12-18

Baltimore, MD

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-12-17

Magnolia, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Another Junk debt buyer Diversified Consultants who can't send a valid complete comprehensive chain of title from XXXX XXXX XXXX who they alleged gave them permission to pursue this debt. XXXX XXXX XXXX was being paid monthly for this bill and they tried to take money from my bank account three times in one month and the next month they put my account in collections. They violated the Fair Debt Collections Practices Act. This company has failed to show a signed contract. Moreover it doesn't show the terms of the contract so without those terms, any interest or fees would be unsupported evidence. And seeking interest or fees without a contract is a violation of the Fair Debt Collection Practices Act. Another debt collection company engaged in illegal collection practices.
Company Response: Closed with explanation

Timely Response

2018-12-17

LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with explanation

Timely Response

2018-12-17

Phoenix, AZ

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Just got and owe amount from a employer I use to work for saying I owe a bill I never receive that I owed an amount and its not because I moved because we transferred out mail with us weeks before we moved now I I owed I would paid but I never received anything in the mail and still Havent. But a debt showed up on my credit report thats not right without not receiving the proper documentation. Theres no account number or reason why just sad and Pathetic
Company Response: Closed with non-monetary relief

Timely Response

2018-12-17

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Ive sent XXXX a dispute letter in XXXX and the reached out in early XXXX but in that letter I told them to send me sign documentation bearing my signature in 30 days I didnt receive nothing. So finally after 60 days I recieved a bogus letter and account number they had to make up. Because if they had it, it wouldnt have took them so long its just not right. Thats why you hear so many bad things about them
Company Response: Closed with explanation

Timely Response

2018-12-17

Muhlenberg, NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2018-12-17

MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/2018 I called Diversified Consultants regarding a collection on my Credit from XXXX. I asked the representative to send proof that the debt is mine and the representative stated she could send a copy of my bill. I told the representative that that is not proof. Representative argued that a bill is proof and that i would have to pay the balance to get removed. 42 days later I received a bill in the mail with charges but no actual validation of the debt. Called again and was given the same run around. I have no knowledge of the debt and the company is refusing to provide proof or to assist with removing inaccurate information.
Company Response: Closed with explanation

Timely Response

2018-12-17

Glenarden, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2018-12-17

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XX/XX/XXXX To Whom It May Concern : On Friday, XX/XX/XXXX, I finally reached my goal. After several years of trying to repair my credit and having accounts in debt collections being reported to the credit reporting agencies, I paid off the last of the accounts that were in collections. Having paid {$2400.00} in one week to XXXX XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX XXXX XXXX XXXX. Finally, my family and I would be able to move forward to a healthy credit score and a more secure and prosperous future. So, I thought. Two days later, On Sunday, XX/XX/XXXX, I received notice from XXXX XXXX that my credit score had dropped 40 points due to a new account that had been placed in collections by Diversified Consultants Inc. The original creditor is XXXX XXXX XXXX. The balance is {$590.00}. This XXXX XXXX XXXX account had been disputed ad nauseum with XXXX XXXX XXXX since XXXX. I was originally told it was a cancellation fee. I had cancelled my services with XXXX XXXX XXXX and XXXX XXXX after being overbilled by hundreds of dollars month after month after month. Being told by XXXX XXXX XXXX and XXXX XXXX that the issue had been resolved only to have it reappear the following month. It was placed in collections on XXXX XXXX by XXXX XXXX XXXX XXXX. I placed a direct dispute through XXXX XXXX, XXXX and XXXX. XXXX XXXX XXXX was now claiming the charges to be from equipment that had not been returned. A dispute was filed and after the investigation was completed the account was removed from collections and from my reports on XX/XX/XXXX. This account is now once again in collections, damaging my credit score, and causing stress and aggravation. If this account is not immediately removed from collections and deleted from XXXX, XXXX, XXXX, and any other Credit Reporting Agencies and from XXXX XXXX XXXX, and the damage is not immediately reversed, I will be forced to take legal action against XXXX XXXX XXXX for years of damages and aggravation. I have collected the audio, video recordings, and have copies of all of the customer services interactions by phone, by text message and emails pertaining to this matter. Attached is a copy of the original complaint detailing my interactions with XXXX XXXX XXXX. InXX/XX/XXXX, I cancelled my XXXX XXXX XXXX XXXX service. The service had become too expensive. I was receiving bills of up to {$300.00} per month. XXXX XXXX XXXX offered as a solution to change our television service to XXXX XXXX that they had recently acquired. The new service agreement was for internet and TV for $ XXXXmo. They offered us a promotion of the ultimate TV package with movie channels for the same price as the basic service I had ordered. After only 19days of service they suspended the service for non-payment. I found this odd as I had not had the service for a full month yet. They said it was from a left over balance on the previous XXXX account. I paid {$220.00} to XXXX the balance and restore service. XXXX XXXX XXXX then billed me another {$220.00} for the new service. I spoke to several customer service representatives before one of them referred to a previously recorded conversation setting up the new service. They apologized for the confusion and adjusted the rate back to {$87.00}. At the end of the month our service was once again suspended for non-payment. Again a full month had not yet gone by and my records showed that 2 payments had already been made in the same month and they were now asking for a third. The bill was again {$220.00}. I again spoke to several customer service representatives and after about an hour finally got one to review the previously recorded conversations. They again apologized and said they didn't understand why the original agreement had not become permanent. They adjusted it. I thanked them for their help and said that my only concern was that I was going to have to make the same call the next month. They restored our services only that they dropped the promotion that was supposed to last through XX/XX/XXXX and it was still only XXXX. I called back and had them continue the promotion as originally agreed. I'd been knocked off of it for about a week. The next month I received a bill for {$410.00}. As I had become ill, I did not have the time nor the energy to call back and go through the tedious effort of once again renegotiating and payed the {$87.00} that we had originally agreed on. The next bill was {$630.00}. At this point I tried to rectify the problem to no avail. My services were once again suspended. I desperately tried over and over to discuss and get to the bottom of what the problem was but both XXXX XXXX XXXX and XXXX XXXX kept assuring me the bill was correct and kept passing me from one department to another, none of which could do anything for me. After several hours of trying to resolve the issue I decided to cancel the XXXX services. XXXX said they were going to charge me the early cancellation fee. I said I would not be paying the early cancellation charge because I was not the party in breach of contract as the contract that I had entered into was never honored by XXXX or XXXX XXXX XXXX. After several hours of speaking to representatives one of them went through the account and came up with the same balance that I had calculated. I paid {$220.00} to XXXX the balance and agreed to keep basic internet service with XXXX XXXX XXXX at $ XXXX/mo. XXXX XXXX XXXX sent me a letter confirming that the XXXX account had been separated from the XXXX XXXX XXXX account and they restored my internet service. 19 days later my account was again suspended for non-payment. My bill was now {$630.00}. After several hours of attempting to resolve the issue I was forced to give up and cancel the internet service as well and returned all of the devices to both XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX and XXXX still claim I owe them a balance of {$630.00}. They have threatened to draft the funds directly from whatever bank iaccount information they have on file. They would also report my delinquent balance to collections to be reported to the credit reporting agencies. The following video 's details the abusive and irresponsible practices of both XXXX XXXX XXXX and XXXX. They have cost me hundreds of dollars and 10 's of hours of phone calls and extreme aggravation. I request that XXXX XXXX XXXX and XXXX be investigated for fraudulent, abusive, irresponsible, and unethical business practices. I request that XXXX XXXX XXXX cease and desist on any collections on this account. Please feel free to request the recorded phone conversations between myself and the customer service representatives from either or both XXXX XXXX XXXX/XXXX and/or myself. Thank you, XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-12-17

AL

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: I have sent two certified letters to Diversified Consultants INC asking for documents bearing my signature and I also have proof of someones signature so they have received my letters! They will not provide the documents bearing my signature! Only itemized bill! Theyre continuing to report to CRAS without proper Validation that I asked for! Itemized bill is NOT validation! I sent letters XX/XX/2018,XX/XX/2018,XX/XX/2018 but keep getting itemized bill! I have no other choice but small claims!
Company Response: Closed with explanation

Timely Response

2018-12-16

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: This account was paid in full on XX/XX/18 for XXXX check number XXXX
Company Response: Closed with explanation

Timely Response

2018-12-16

Louisville, KY

Took or threatened to take negative or legal action

Debt collection: I do not know

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

Timely Response

2018-12-16

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants should be fined for reporting a debt that was clearly reported a fraud to XXXX. I have reported this debt many times to XXXX and also Diversified Consultants that this was fraud and Diversified Consultants continue to report this
Company Response: Closed with non-monetary relief

Timely Response

2018-12-16

Alpharetta, GA

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 non-monetary relief

Timely Response

2018-12-15

Detroit, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: DIVERSIFIED CONSULTANTS INC opened : XX/XX/2018( 2 mos ) i have tried to resolve this issue of identity theft on my credit. i need your help to resolve this for good on my account, i have been trying to purchase my first home and this problem as stopped me and my family from doing so. if you could please help me to remove this off my account i would greatly appreciate it.
Company Response: Closed with explanation

Timely Response

2018-12-14

Aiken, SC

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-12-14

Deerfield Bch, 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 non-monetary relief

Timely Response

2018-12-14

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-14

WI

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: Diversified Consultants is showing up on my credit report stating that it was in collections. I have never been with Diversified Consultants. I later realized by researching that they were affiliated with XXXX XXXX XXXX. I called XXXX XXXX XXXX to resolve this. XXXX XXXX XXXX informed me, that they had the wrong address on file and that they were completely at fault, my account was also paid in full. I have been struggling with this 1 mark on my credit report for years, and I just realized CFPB existed. I really would like to get this resolved, as the company gave me their word stating they would have it removed off of my credit report, and the account was paid long ago.
Company Response: Closed with explanation

Timely Response

2018-12-13

Brkn Arw, OK

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-12-13

Detroit, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Closed with explanation

Timely Response