Diversified Consultants, Inc

2018-11-09

Wilson, NC

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

2018-11-09

Jacksonville, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: They call my cell, my work and my mother! They have called me before XXXX XXXX at least twice.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-08

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants has been trying to collect a debt of {$320.00}, which on XX/XX/2018 I sent a letter disputing this debt. The Letter was delivered certified mail and signed for on XX/XX/2018. The credit report was never listed as disputed. I have retained a copy of the signature and date of receipt, as well as a time stamped copy of my credit reports. I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Diversified Consultants. Diversified Consultants had 30 days to comply or remove this from my credit report. As of this date XXXXXX/XX/2018 I have not received any such evidence.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-08

Dr Martin Luther King Jr, FL

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

2018-11-08

Ft Myers, FL

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with non-monetary relief

Timely Response

2018-11-08

Baltimore, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: this company is attempting to collect money from me and reporting a debit I don't own to my credit report resulting in financial hardship due to negative credit impact.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-08

Pflugerville, TX

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

2018-11-08

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. DIVERSIFIED CONSULTANT XXXX, This collection is the result of Identity theft. Please Delete Immediately!
Company Response: Closed with non-monetary relief

Timely Response

2018-11-07

Patterson, MD

Incorrect information on your report

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

Account status incorrect
Complaint: I have received a collections account from an agency that was filed in error as I have a legal payment arrangement with the creditor and paid them before the deadline to avoid collection activity on my credit. They are refusing to remove this fraudulent activity from my credit and its effecting my score incredibly Creditor : DIVERSIFIED Acct : XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-11-07

Interchange Square, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: THIS IS IN RESPONSE TO CFPB XXXX AND XXXX ACCORDING TO YOUR RESPONSE YOU FEEL YOU'VE DONE A PROPER INVESTIGATION BY SENDING ME THREE BILLS. CLEARLY THE DEFINITION FOR VERIFICATION MEANS, BUT IS NOT LIMITED TO, Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. IM NOT SURE IF YOUR COMPANY UNDERSTANDS WHAT IVE ASKED FOR SO LET ME BREAK DOWN IN SIMPLER TERMS BEFORE YOU IGNORE MY PRESENSE IN THIS SITUATION AND MARK MY COMPLAINT AS A DUPLICATE AFTER YOUVE CLOSED WITH UNLAWFUL RESPONSE. PLEASE PROVIDE TO ME AND MY LAWYER THE FOLLOWING : 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR XXXX balance sheet ( OMB # s XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules XXXX. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-06

Kingstree, SC

False statements or representation

Debt collection: Other debt

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

Timely Response

2018-11-06

Phila, PA

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

2018-11-06

Taft, OH

False statements or representation

Debt collection: Other debt

Told you not to respond to a lawsuit they filed against you
Complaint: I received a call from XXXX XXXX at Diversified Consultants. The phone number that displayed on my phone was XXXX. XXXX read me the disclaimer about this being an attempt to collect a debt, then told me I owed money to XXXX. I explained I had paid my last bill and returned my equipment, and she said this was for non-return of equipment. I told her I had definitely returned the equipment as instructed, and that I wanted to dispute this collection. XXXX told I couldn't dispute with her, that I had to contact XXXX. That is not the law. I started to read to her the requirements, and she said they only received my account yesterday and would be mailing out a letter. I told her she had to take my dispute and she said she didn't and hung up on me. I do not owe XXXX anything, I followed their instructions, and I should not have been sent to collections. Further, XXXX should not have told me I couldn't dispute by telephone with her and should not have directed me back to the original provider. She definitely should not have hung up on me. None of this is accurate nor is it following the proper procedures when a consumer states she disputes a collection account.
Company Response: Closed with explanation

Timely Response

2018-11-06

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Disputed this account on all three credit bureaus and asked for validation ... .not address verification. Asked for chain of title if account was purchased from another country. Asked for " itemized '' breakdown of all charges, interest, fees, penalties that result in the alleged amount owed. I received nothing back from them except a XXXX bill that clearly does not show any of this. And also proves that I DO NOT have an account or obligation to Diversified Consultants. I asked that this be removed from all 3 major credit bureaus and all collection attempts be ceased.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-06

Plattekill, NY

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

2018-11-06

TN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/18 I found a collection from XXXX on my credit report. I ended my service on XX/XX/2018. I moved my number to XXXX XXXX XXXX. I asked for and paid my final bill. I find a collection from Diversified Consultants on my credit report a couple before I called on XX/XX/18. I called them they said it was mine. I said how could it be I paid it plus I received zero notification despite having the same phone number and email. The address they allege they sent the bill to is my grandmother 's address. I have lived at my address for over 2 years. Diversified said they did no wrong even though they had the wrong address. I called XXXX and talked in circles until I got in touch with a supervisor who couldn't tell me why they didn't have my correct address nor could say why I wasn't contacted by the other means of contact that were valid. I said I will pay this if you will agree to take the account away from Diversified because they don't care who lives were and won't delete even though the law says that should. The supervisor said yes I could pay them and they would call this account back from Diversified. So I paid an account that wasn't mine to get it off of my credit report. It cost me well over 80 credit points. I don't feel paying an account that wasn't mine and wasn't notified so I could have asked for a verification of debt is fair but would have been worth it to get my credit back. I want Diversified consultants to delete this collection from my account and I want XXXX to do what they agreed to do on XX/XX/18 and pull the account back from Diversified. I want my credit restored. This is ridiculous
Company Response: Closed with non-monetary relief

Timely Response

2018-11-06

AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The collection company in question, DIVERSIFIED CONSULTANT, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX - is collecting a debt on behalf of the original creditor, XXXX XXXX, in the amount of {$830.00}. The open date listed on my XXXX credit report is XX/XX/XXXX which is incorrect. I was living and working abroad in XXXX XXXX during this time and the XXXX network is not even available in this country. I have a job offer letter to that proves this timeframe. However it is listed as a recent collection on my credit report which has caused me to be denied a startup business loan from XXXX, a lender out of XXXX XXXX XXXX, UT, which reported they checked my credit report and it showed this XXXX account as a new collection as of XXXX, XXXX, XXXX. I had the same issue with this account being listed on my XXXX credit file in which I disputed it and it was removed. I tried disputing it on XXXX, but it did not get removed. This is false reporting by this collection agency and they re-aged this account after acquiring it from another collection agency in an attempt to hold on to the account longer than the statue of limitations for the state of Alabama, which is my legal residence allows. This agency has not contacted me or attempted to contact me in any way. This negative posting on my credit report has caused a hardship in that it has denied my family the chance to move forward with a business venture that would tremendously improve our economic standing and provide a quality service for the community.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-05

Charlotte, NC

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

2018-11-05

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-11-05

Lewiston, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-11-05

SD

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I received an email indicating that my credit score was negatively affected. I immediately checked my credit report and noticed that a place called Diversified Consultants was trying to collect a debt from me for XXXX to which I do not have. I called the company listed and he was very rude and demanded my social security number ( to which I did not give him ). I looked them up online and they are a very shady group with a lot of negative reviews from people that they have been taking advantage of. I need to restore my excellent credit and get this taken off my credit report please ... ... ASAP. Please help me!!
Company Response: Closed with non-monetary relief

Timely Response

2018-11-04

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I was recently made aware of multiple attempts to acquire fraudulent accounts in my name. After reviewing my credit files I've found a couple of Unauthorized accounts and several credit inquiries by the perpetrators.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-04

Scottsdale, AZ

Incorrect information on your report

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

Account information incorrect
Complaint: In XX/XX/2018, I opened a business account with XXXX XXXX XXXX in my company name. My account was closed in XXXX and they reported to the consumer credit bureaus in XXXX that they gave me a Line of Credit for the negative balance on the account. They also reported the account and my EIN to XXXX as a negative bank account. I contacted the bank and asked why are they reporting on my personal credit report and was told that they gave me a line of credit when I opened my account but I never applied for it nor did I receive it.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-03

Fort Worth, TX

Incorrect information on your report

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

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

Timely Response

2018-11-02

Des Plaines, IL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Company Response: Closed with non-monetary relief

Timely Response