Diversified Consultants, Inc

2018-10-28

Antioch, TN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-10-28

Ladies Island, SC

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-10-26

Agua Dulce, CA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-10-26

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Viewed my credit report and notice a collection account by Diversified Consultants, Inc. was appearing on all three major credit bureaus ( XXXX, XXXX, XXXX ) in which they say I owe {$770.00} ( Account # XXXX ). I wrote my initial letter dated XX/XX/18 informing them this account was not mine and Im filing a formal notice of dispute. I requested validation bearing my signature showing I have some contractual obligation, also the name and phone number of the person they spoke to when verifying this account. Diversified Consultants, Inc. responded with a letter dated XX/XX/18 that the account was valid and enclosed a copy of a statement which could have been printed out on any computer by anyone. They failed to provide validation bearing my signature showing I have some contractual obligation, also the name and phone number of the person they spoke to when verifying this account. I sent them a second letter dated XX/XX/18 requesting viable evidence of the debt. Informing them that an employee looking at their computer screen, seeing my name listed in their database is NOT verification according to the law. Diversified Consultants, Inc. failed to respond to letter 2 dated XX/XX/2018 within the 30 day timeframe, also failed to provide the credit bureaus with a Notice of Dispute within the 30 day timeframe according to the FCRA. I sent them a third letter dated XX/XX/18 informing them that according to the FTC as per opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that due to several attempts to provide viable verification I was filing a complaint with the CFPB due to their negligent actions. Diversified Consultants, Inc. responded with a letter dated XX/XX/18 saying yet again that the account was valid with a printout statement, but provided no viable evidence.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-26

Camp Springs, MD

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-10-26

Urbandale, IA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2018 I received a letter from Diversified Consultants, INC stating that I owed a debt to XXXX XXXX XXXX, on the letter head it shows the letter dated on XX/XX/2018 this is 11 days past what is allowed by Fair Debt Collection Practices Act. This is a clear violation of the law.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-25

Carver, MA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Lakeview, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-10-24

Davenport, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Decatur, IL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-10-23

Charlotte, NC

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: The account in Question with ( Diversified Consultants ) Account # XXXX keeps reappearing on my credit profile. I have a recorded phone conversation with both parties Diversified Consultants & XXXX XXXX stating that this account would be deleted of my credit its was paid in full with the original creditor but still remains on my credit. I tried calling both parties now there saying there is nothing they can do even thought I own no money.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-23

Hendersonville, TN

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with non-monetary relief

Timely Response

2018-10-23

Washington, DC

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

2018-10-22

IL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I was looking over my credit report and I received a notification on XX/XX/2018 from " Diversified consultants '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " XXXX XXXX XXXX '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for XXXX XXXX XXXX to be deleted immediately. This is illegal.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-22

Arlington, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Background : I am an XXXX XXXX XXXX XXXX, I was a former XXXX Customer from XXXX to XXXX when I received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Due to the length of the assignment ( 36 months ), I contacted XXXX in XX/XX/XXXX and provided them with a copy of my XXXX XXXX assigning me overseas and asked for them to close my account without penalty according to the law which they agreed to do so. Fast forward to summer XXXX after finally returning from my overseas assignment ( XX/XX/XXXX ), while reviewing my credit report with XXXX, I found out that sprint had referred my account to a collection agency for a debt of {$720.00} said to have been occurred in XXXX. The collection Agency then referred my account to the credit bureau for collection. I immediately lunch a dispute with XXXX File # XXXX and provided all available documentation. I won the dispute and had the collection removed from my credit report. Issue : Today XX/XX/XXXX, while checking my annual free credit reports with XXXX, I saw another collection this time from a different collection agency DIVERSIFIED CONSULTANT but it is the same XXXX account XXXX ( $ {$720.00} ) posted last month. I recall a representative from this company harassing me over the phone trying to have me pay this debt after giving them a background to the situation they threatened to report me to the credit bureau and sure enough, they did. I have initiated a similar Dispute with XXXX ( pending adjudication ).
Company Response: Closed with non-monetary relief

Timely Response

2018-10-20

Ft Myers, FL

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

2018-10-19

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This collection agency is trying to collect money from me on the behalf of XXXX when i never had an account with XXXX to begin with .... I've been disputing this account for years .... now they trying to collect .. please note that even on the printed bill they sent to me the name does not match mine and the address they have on there don't match my address ... i also sent sprint a fraud package with a police report in XX/XX/2018 but i doubt they really looked into the situation. When i try calling the fraud department no one answers ...
Company Response: Closed with non-monetary relief

Timely Response

2018-10-19

Galena, OH

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: In reference to complaint XXXX ; DCI contents an initial balance letter was mailed. THIS IS A REQUEST FOR THAT INITIAL LETTER. THIS IS NOT A DUPLICATE. THE INITIAL LETTER HAS NOT BEEN SENT IN ANY RESPONSE. SEND INITIAL BALANCE LETTER AS INDICATED ON COMPLAINT XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-19

Magnolia, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I switched internet and cable television providers and ended up having a final bill that was owed to XXXX XXXX XXXX. After transitioning to the new service provider and automating the payments for the new account the outstanding bill for XXXX XXXX XXXX was no longer set up for payment. I was not made aware of the outstanding balance until I recently began looking at my credit report for a home purchase that we're trying to make and it showed a collections account for {$91.00} from XXXX XXXX XXXX and is reporting negatively on my report. I contacted Diversified Consultant to see what was going on. I asked them if they could provide some proof of attempts to contact me regarding the debt but they were unwilling to help repeating there company line " it was an attempt to collect a debt and they could only take payment for the debt ''. I requested a supervisor asking them to please remove the reporting to the bureaus because they had not adequately done their due diligence in trying to collect the debt before hand. I am happy to resolve this but I am not happy about {$90.00} effecting my credit score and the arbitrary practices of XXXX XXXX XXXX and Diversified that are preventing me from securing the financial benefits that I need to help build my financial future. Please help anyway you can to get this matter resolved.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-19

Sacramento, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/2018 I noticed a Collection account that had appeared on my credit report on all three credit bureaus. It was opened by Diversified Consultnts. To which they said I owed them {$250.00}. original company XXXX. I have disputed this matter by certified mail on XX/XX/18 and XX/XX/2018 in which both response from them was a copy of a itemized bill.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-19

Phoenix, AZ

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response

2018-10-19

Cordova, TN

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with non-monetary relief

Timely Response

2018-10-18

Gardena, CA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-10-18

Cumming, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-10-18

Dallas, TX

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response