Diversified Consultants, Inc

2019-10-07

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified consultants collection agency recently reported a previously deleted account to all three credit bureaus for XXXX. The account was previously deleted on XX/XX/2019. The reporting collection agency was called, XXXX XXXX XXXX. Apparently XXXX sold the account to diversified consultants after it was deleted through XXXX XXXX XXXX. This fraudulent report has caused my FICO score to drop 54 points.
Company Response: Closed with explanation

Timely Response

2019-10-07

Cloverleaf, TX

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2019-10-06

Taylor, MI

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-05

Nyc, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I have had an XXXX XXXX XXXX collection show up and damage my credit score without any notification from either the phone company or the debt collection agency. I have never had any issues with paying off bills and ensure everything is always paid off. Now this has shown up and really damaged my credit report. When I shut my XXXX XXXX XXXX account to switch to XXXX I was assured that the account was in good standing by a ) XXXX in person in the store b ) XXXX XXXX XXXX over their phone support I have since received no communication from XXXX XXXX XXXX about this charge, I do not even know what it relates to. There is a {$72.00} collection showing up in XXXX XXXX that was opened on XX/XX/2019. The company collecting is " Diversified consultants inc ''. To be clear I have received zero communications over email, phone or letter from this company or XXXX since. My cell number has stayed the same, I moved address in XXXX but I set up letter forwarding with USPS so any communications would be received. Why are they allowed to silently report collections like this? The {$72.00} is such a trivial amount this is now having a real impact on my credit score. I am a property owner and this type if thing is very serious when applying for a mortgage. What can I do to resolve this as soon as possible? Cheers, -- XXXX
Company Response: Closed with explanation

Timely Response

2019-10-04

Moore, OK

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-10-03

Denver, CO

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-10-02

Ft Myers, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Collection agency was notified of bankruptcy and still continue to report account on credit report. under number XXXX. Notified bankruptcy under XXXX which is correct numbers
Company Response: Closed with explanation

Timely Response

2019-10-02

East Detroit, MI

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-09-30

Patterson, MD

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 am in the process of buying my first home. When I became aware of the Diversified Consultants / XXXX account for {$57.00} I paid it in full. Since then I began the mortgage process and was advised that because the account exists, paid or unpaid i wont be able to be approved. It seems that the existence of the account ON THE MORTGAGE side is costing me about 35 points. I contacted Diversified today and spoke to a rep and supervisor both of which told me that there was nothing that they can do, same as they told me before. The supervisor went on to explain that they dont even own the account which really got me to thinking Is it reasonable, that a collection agency, which doesnt even own a debt should keep me from being able to purchase a home for an account that is paid in full
Company Response: Closed with explanation

Timely Response

2019-09-30

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-09-29

Lannon, WI

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Diversified Consultants is trying to collect {$200.00} on behalf of XXXX. My XXXX account number was XXXX. At issue are two distinct matters : ( 1 ) Internet service and ( 2 ) wireless service. I do not owe anything since I canceled both before usage due to the fact that the Internet service never worked and the wireless service was never requested or agreed to and was unwanted. Internet Service I contacted XXXX last year to request Internet service. XXXX mailed out equipment. The equipment never worked. I called XXXX tech repeatedly but they were unable to solve the problem. I quit XXXX Internet and went to a different company. Because I never had XXXX Internet service, I incurred no financial liability whatsoever. XXXX invoices falsely suggest ongoing Internet service. In fact, XXXX never provided Internet service. Wireless Service During the phone call in which I requested Internet service, the XXXX representative said he would mail out a free computer tablet. This was completely unsolicited and unwanted. It was portrayed as a gift. This agent never mentioned that he was going to open a wireless account in my name and start charging for it. I NEVER requested wireless service or the free tablet. Both the Internet equipment and the computer tablet were returned. XXXX began sending invoices alleging I owed {$200.00}. This was clearly erroneous since the Internet service never worked and the wireless service was completely unwanted and unused. I disputed these charges on the XXXX website. I checked my account on the website regularly until ultimately the account stated XXXX balance. At that point I thought the matter had been resolved. I was astonished when XXXX contacted me stating that my FICO score plummeted because of this collection.
Company Response: Closed with explanation

Timely Response

2019-09-29

AZ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Date XX/XX/2018 {$600.00}, I have no knowledge of this debt.
Company Response: Closed with explanation

Timely Response

2019-09-29

Chicago, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: Hi I just graduated XXXX XXXXXXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.
Company Response: Closed with explanation

Timely Response

2019-09-28

Alafaya, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-28

Lewisville, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I Receive notification today that a collection was added to my credit report in the amount of {$370.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my report. This is a violation of my rights and I want this alleged debt removed from my credit report immediately.
Company Response: Closed with explanation

Timely Response

2019-09-26

Briaroaks, TX

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

Timely Response

2019-09-26

El Toro, 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
Company Response: Closed with explanation

Timely Response

2019-09-26

FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I returned all XXXX equipment and changed carriers now I am getting calls from diversified collectors saying I owe XXXX XXXX plus dollars
Company Response: Closed with explanation

Timely Response

2019-09-26

Seneca, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I had XXXX XXXX, I was going to going to get a upgrade. They came back within 24 hrs and took everything back because it interfered with my pacemaker. The XXXX XXXX XXXX worker called and canceled everything while he was here.Then we called back again a few days later. However our billed was not canceled and was combined somehow, and continued on to bill us even though we had paid XXXX XXXX and had no equipment at all. We were told it was a error by a XXXX XXXX XXXX employee and was corrected. Then told it was a computer error and corrected. Over and over again I have requested a detail bill of what they are charging me far during that time and I get nothing.I had my tv service with XXXX XXXX and they were paid in full. Now they have destroyed my credit over a bill I dont owe. It has caused me and my husband great hardship. They even tried to give me a refund a few months ago.
Company Response: Closed with explanation

Timely Response

2019-09-26

Everett, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have done this before in regards to XXXX XXXX with a number of agencies. They continue to list it with agencies who call and report this to my credit. I will not continue to jump through hoops to prove dispute. This last agency Diversified Consultants continued to attempt to get payment out of me after telling them this was fraud/dispute, when i asked for a manager, he told me that it was essentially my fault that this is ongoing, after asking for compliance department was told basically not in their hands and would need to handle this with dish. This needs to stop.
Company Response: Closed with explanation

Timely Response

2019-09-26

NJ

Fraud or scam

Money transfer, virtual currency, or money service: Debt settlement

Complaint: It was a private business matter collecting a debt from a XXXX account I do not have
Company Response: Closed with explanation

Timely Response

2019-09-25

Ft Lauderdale, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Since on or around XX/XX/2017 I have received negative reporting on my credit from XXXX XXXX who has now sold to Diversified Consultants Collection agency which claims I owe a Debt in the amount of {$260.00} from Original Creditor XXXX XXXX XXXX They have refused to provide me with details, account information or why this debt is owed since I closed an account with them in 2017, paid a final bill and returned equipment. I have attempted to dispute this with the major credit bureaus but they have no resolution or answers to provide me with substantial evidence for this debt. Diversified continues to report derogatory remarks every three months and continues to put it as a NEW debt and New Collection. They are not communicating other than bad reporting on my credit and will not provide proof of my owing this debt. I would like resolution to this harassment and false reporting and action to be taken on them but I am forced with a hardship of having pay for a lawyer to cease the derogatory and false reporting. A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. This agency persists in reporting old debts with updated activity dates. This has gone to multiple collection agencies and not one has provided a valid proof of debt or documentation.
Company Response: Closed with explanation

Timely Response

2019-09-25

Traver, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: DIVERSIFIED CONSULTANTS ACCT # XXXX PLACED A COLLECTION ACCOUNT ON MY CREDIT FILE AND THE DEBT HAS BEEN PAID SINCE XX/XX/2019
Company Response: Closed with explanation

Timely Response

2019-09-25

MS

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XX/XX/2019 I received an alert on my credit report of an debt for XXXX XXXX of XXXX that I didnt no anything about this is a fraudulent account
Company Response: Closed with explanation

Timely Response

2019-09-24

Arcola, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response