Diversified Consultants, Inc

2018-12-04

Brooklyn Heights, OH

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

Untimely Response

2018-12-04

Chicago, IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-12-03

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2018-12-03

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-12-03

Bronx, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The alleged collection agency states I owe a XXXX bill in the amount of XXXX. However, this is false. I paid my entire XXXX bill in full before switching cell phone companies. This is in fact accurate because XXXX would not unlock my SIM card so that I may switch carriers WITHOUT paying my cell phone balance down to XXXX. This additional charge does not belong to me.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-02

Alpharetta, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-12-02

Hazlehurst, GA

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: On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX account ) and Diversified Consultants ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, XXXX and Diversified sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, XXXX and Diversified continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
Company Response: Closed with explanation

Timely Response

2018-12-01

Wrentham, MA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: This is not my account and I don't understand why the Diversified Consultants collection agency keeps adding it to my credit report every 6 months. On XX/XX/2018, a false debt of {$480.00} was reported to XXXX and XXXX. This false debt has an account name of " XXXX XXXX '', with an account number of " XXXX '' and open date of " XX/XX/2018 ''. XX/XX/2018, a false account shows a date opened of XX/XX/2018, with an account name of " XXXX '' and an account number of " XXXX ''. XX/XX/2018, I disputed this with XXXX and XXXX, and the credit bureaus deleted this false information from my credit report. In XX/XX/2018, I contacted the Diversified Consultants collection company in regards to this false account. I spoke with a representative who had no information other than my partial first name and my full last name. The representative kept asking for my social security number, my date of birth and my mailing address. I did not give any of this information. I asked the representative to give me some information in regards to this false debt, the representative said they would not give me information until I gave them my social security number, my date of birth and my mailing address. I do have a work phone that uses XXXX XXXX XXXX XXXX. I am concerned that this false debt may have picked up my name from that account. I have not received any statements nor information in the mail in regards to this false account.
Company Response: Closed with explanation

Timely Response

2018-11-30

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2018 I disputed and requested validation from Diversified Consultants, Account # :XXXX via certified mail that they received on XX/XX/2018. I received a response letter from Diversified Consultants dated XX/XX/2018 with a photocopy of a bill. A copy of a bill is not validation of a debt. Is it possible to validate a debt in two days? On XX/XX/2018 I sent another letter via certified mail ( received XX/XX/2018 ) requesting validation of this account and the procedure used to determine the accuracy and completeness of the information. As of XX/XX/2018 I have failed to receive validation. These are violations of the FDCPA including but not limited to Section 807 ( 8 ) and FCRA including but not limited to Section 623 ( b ). This needs to be deleted immediately.
Company Response: Closed with explanation

Timely Response

2018-11-30

GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have sent a letter to this company about a debt that is not mine. I have never had service with them. I received a letter from the credit buro that it was mine but never received any documents from them that proved it was mine.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-30

AL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Request for VALIDATION, NOT Verification XXXX XXXX XXXX XX/XX/2018 Diversified Consultants RE : Accounts # To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-11-30

Stafford, VA

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 non-monetary relief

Untimely Response

2018-11-30

Norfolk, VA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I been disputing this account on credit reporting since XX/XX/2018, I have constantly try to explain to Diversified Consultants and the credit bureau that I never had cellular service with XXXX. I was with a company name XXXX for 17 years until they left this area, then I went with my present company ( XXXX XXXX XXXX ) been with them now 4 years. I have disputed this account continually with both Diversified and the reporting credit bureau and they keep tell me that the account is being verified. I asked for copy of any viable evidence, bearing my signature or any trace or payment I made to this account and neither company could not show any proof
Company Response: Closed with non-monetary relief

Untimely Response

2018-11-29

Apache Junction, AZ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Diversified consultants is continuing to call & harass me despite me telling them everyday, MULTIPLE times per day to STOP calling me. Some of the phone numbers they're calling from are XXXX, XXXX & XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-29

Doral, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-11-29

CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Who is XXXX XXXX? XXXX reported that between XX/XX/2018 and XX/XX/2018, a new account in collections was added to your report. The collection agency is DIVERSIFIED. The original creditor was XXXX XXXX XXXX.New Account in Collections When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a Derogatory Mark on your credit report. I am requesting validation of the above debt formerly held by XXXX XXXX or removal from all impacted credit bureaus
Company Response: Closed with explanation

Timely Response

2018-11-28

Washington, DC

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-11-28

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

Their investigation did not fix an error on your report
Complaint: I have sent a debt validation request to them and have not received any response. This debt is not valid. I had issues with XXXX and this account never should've been sent to collection. I do not owe them the amount that they are indicating. I had major issues with this account from XXXX and unauthorized charges. I would ask that they remove this account from my credit report and send the account back to XXXX so I can deal directly with them. I have been harassed by Diversified Consultants for a long time now.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-28

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

Problem with personal statement of dispute
Complaint: I have been trying to get this debt properly verified. I have requested for original contract. They refuse to provide this information. Every month they report the account as late to the XXXX Agency and it decreases my score. I have been trying to deal with this for a year. I dispute this account and XXXX says it has been verified, but there is no proof. Diversified Consultants have been reporting since 2017.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-27

FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I've had repeated calls from different numbers by Diversified Consultants trying to reach me the last few weeks. They've been very evasive and/or defensive whenever I ask questions as to who they are. Some have refused to tell me who they work for, some of them tell me they think their first & last name is good enough, even though I don't know their names. I've told them today, XX/XX/XXXX, to send me a letter in the mail if it's really personal. He got really defensive and rude over it, telling me he told me his first and last name. I've looked at my credit history on XXXX XXXX & i'm not seeing anything from this debt collector on there.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-27

MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Had a collection account put on my credit report for a cable provider by a debt collection agency. I have filed a police report and contacted the credit reporting agency to have it removed due to it not being my own. I have lived in the same house for 17 years and do not even have the company available in are area. I have never opened an account. Collection agency will not remove this off my credit report as they want me to pay it and say it does belong to me. Will not provide any written documents or contracts that have my signature on them stating I signed up for said service. When I asked them they said they do not have anything as there are multiple ways to obtain service with out a signed contract.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-27

Queens, NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Current : XXXX Original : XXXX Account number : XXXX Agency reference number:XXXX Balance : {$500.00} Someone in my roommates stolen my info opened a XXXX account for a new XXXX, after I found out it he returned the phone to XXXX and apologized to me. BUT XXXX push me to a collection company and make them call me every day that asking me to pay them a early termination fees!
Company Response: Closed with non-monetary relief

Timely Response

2018-11-27

Little Rock, AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-11-27

Lexington, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2018-11-23

Cordova, TN

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with non-monetary relief

Timely Response