Diversified Consultants, Inc

2018-08-27

Andrews, 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

2018-08-27

Milwaukee, WI

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-08-27

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have contacted them numerous times. I have send below letter. I cc : FRCA They have failed to provide PROOF signed documentation, ID uses or any other documents that VERIFY I had an account with XXXX who they are trying to collect for. They send statements, that do not PROVE anything about how the account was opened in 2012 supposedly. They are falsely reporting on my credit report. I have also filed a fraud affidavit with XXXX in this case. Please be advised this is my SECOND WRITTEN REQUEST. You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-27

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I sent out a letter to diversified consultant ( around XX/XX/XXXX or XX/XX/XXXX ) that I never had a debt of approximately {$1000.00} from a XXXX account because I never had service with XXXX. they sent me a random phone bill with a number I never owned. they removed it off of my account for one day in XX/XX/XXXX but was added back. they refuse to delete this account! Clearly I have been a victim of fraud and they can not prove this is my debt.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-27

Clermont, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: SINCE XX/XX/2016 AN ACCOUNT OF XXXX IS AFFECTING MY SCORE WITHOUT ANY RIGHT. I AM TIRED OF ASKING THE AGENCY AND THE CREDIT BUREAU TO VALIDATE IT WITH NO AVAIL. IF THEY ARE NOT ABLE TO VALIDATED THEN IS NOT FAIR TO BE REPORTING ON MY CREDIT REPORT AT ALL. THE ACOCUNT IS NOT MINE.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-27

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I sent Diversified Consultants a dispute letter dated XX/XX/XXXX via XXXX certified mail, that was delivered and signed on XX/XX/XXXX. In my dispute letter I clearly ask for validation of this alleged debt. I request this company to provide me with any document bearing my signature that states I agree to pay or owe Diversified Consultants any outstanding debt. I have never spoken to anyone from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe, and I'm very specifically asking for copies of documents bearing my signature that connect me to this account. Diversified Consultants has no where near provided me with that. What they sent me was a letter dated XX/XX/XXXX which states they are in receipt of my request for this validation of account, but they don't provide any of the proof I request. They send a copy of a revised bill with just the amount XXXX on it and its says Due Immediately. At the top of this bill it has Bill period XX/XX/XXXX-XX/XX/XXXX. Also after reicieving this dispute, Diversified Consultants never contacted any of the credit agencies that they are reporting this and marked this account as Disputed as required by law. I followed this up with another USPS certified letter dated XX/XX/XXXX that was signed for by Diversified on XX/XX/XXXX. In this letter I continue to state they have not provided me with copies of the signed documentation that I request. My letter clearly states per FTC Attorney XXXX XXXX a copy of a bill isn't debt validation. They have provided mw with nothing to validate this alleged debt as belonging to me. Clearly they don't have the documentation I'm requesting on this alleged debt, or they would just provide it. They are stalling while they blantly skirt FCRA laws. If this account isn't immediately deleted from my credit report, and not sold to another collection agency, my next step is to sue Diversified Consultants in court for various violations.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-27

Murray, UT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a text message on Saturday XX/XX/2018 from XXXX stating I had new activity on my credit report. I signed into my report on XX/XX/2018 to see a new collection from Diversified Consultants Inc. posted on XX/XX/2018. The amount of the collection was for the exact same amount of money that XXXX XXXX XXXX had fraudulently posted to my credit report on XX/XX/2018. I immediately called XXXX directly and told the operator about my prior experience with XXXX XXXX XXXX and asked the operator to review the new collection from Diversified Consultants Inc. The Equifax operator confirmed that the new collection was from XXXX XXXX XXXX for {$300.00}. XXXX XXXX XXXX posted this same collection on my credit report in XX/XX/2018. I was informed via XXXX via text on XX/XX/2018. I called XXXX XXXX XXXX and the operator told me the collection was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX and the operator confirmed my account with them was in excellent standing and that XXXX XXXX XXXX had not sent me to collections. When I called XXXX XXXX XXXX back the new operator told me that the collection had been paid in full and that they no longer had a collection account for me. The operator gave me this information Account number XXXX Address XXXX XXXX XXXX XXXX, CA. I called XXXX XXXX XXXX back with the account and address and XXXX XXXX XXXX had no accounts under this information. I am concerned that both XXXX XXXX XXXX and Diversified Consultants Inc. are scams. Equifax is removing the new collection posted of Diversified Consultants Inc. over the next 30 days. I will not be making contact with this company due to the fact that XXXX XXXX XXXX has not sent me one notice in regard to my account, which XXXX XXXX XXXX confirmed they would do prior to sending me to collections.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-26

City Ranch, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I filed a complaint about XXXX XXXX XXXX before. The complaint number is XXXX. After the complaint form was filed, a form was sent to me to complete. The form was completed and the required documents ( Driiver 's License and 2 bills stating that I did not live in the address that was used to obtain XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX could not proof that I signed the contract or signed for the service ; however, they still want me to pay {$180.00} that was charged using my stolen identity, I have been living in XXXX XXXX for over 11 years. It looks like XXXX XXXX XXXX knows that they have a lousy credit approval process for their XXXX cable. The letter I just received today stated that I am still responsible to pay {$180.00} that was due to identity theft and their lousy credit approval process. I am definitely NOT paying for something that is NOT mine. If I have to, I would sue XXXX XXXX XXXX in small claims court for {$10000.00}. I have been dealing with this issue for a year and I am so tired of DO NOTHING XXXX XXXX XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-26

Oxford, GA

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: XXXX XXXX XXXX {$330.00} XX/XX/XXXX {$76.00} {$56.00} Diversified Consultants XX/XX/XXXX {$440.00}
Company Response: Closed with non-monetary relief

Timely Response

2018-08-26

LA

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: This company told me once the payment would be made to settle the account that the trade line would be removed. This company did not remove that trade line.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-25

MN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: To Whom it my concern, I am being fraudulently pursued by XXXX for a debt I do not owe. XXXX claimed that I owed them {$450.00} and sold the debt ladened with false fees to a company called XXXX XXXX. I disputed the debt with the credit agencies and the debt was deemed illegitimate because XXXX and XXXX could not prove why I owed that amount. The debt under XXXX was removed from my credit report and a week later I began receiving calls from XXXX attempting to collect on the very debt that they could not prove. I informed them that the debt was disputed and removed from my credit report. A month later however a different company named diversified consultant reported the same debt on behalf of XXXX to my credit report. I called the company and they informed me that XXXX had sent the debt back to XXXX who then sold the same disputed and disproved debt to them. I am now disputing the same debt twice with two different companies. XXXX who allowed a secutiy that put y name, address and social security number at risk, all they offered in return was one year of free credit monitoring. An irresponsible and fraudulent company such as XXXX should not be allowed to endanger my personal information, charge me fradualent fees while I travel abroad and then sell the same debt I have disproved to multiple companies. I will pursue this to the full extent of the law i.e. I will suing. XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-08-25

CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I received a call from Diversified Consultants on XX/XX/18 while at work. The representative informed me that they were attempting to collect a debt on behalf of XXXX XXXX XXXX. I explained I had not been an XXXX XXXX XXXX customer for over a year and did not understand what they were claiming a debt. I explained in order for me to continue with looking into this issue I would need documentation to the debt owed. I requested this documentation be mailed to be. Diversified Consultants failed to follow through with this request. They have since reported to the credit bureaus false information.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-24

Alexandria, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: My ex-boyfriend ( and the father of my older XXXX children ) fraudulently opened a XXXX Wireless Account ( and possibly other accounts ) using my Social Security Number and an alteration of my name. I tried disputing the account with XXXX when I first became aware of it in XX/XX/2014, but never submitted the fraud packet to initiate the dispute. I was recently told by a representative at XXXX that I need to file a police report, but I have no address or phone number for my ex-boyfriend, I only know that he lives in XXXX XXXX County, MD.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-24

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants, a collection service in XXXX, FL, popped up on my credit file as a collections on XX/XX/18. The original creditor listed was XXXX XXXX XXXX for {$740.00}. I called Diversified and informed their grossly impolite agent ( XXXX somebody ) that the debt was not mine, but my daughter 's debt at her old college address. I never lived at the address, never ordered service at the address, never received an invoice for the {$740.00} from XXXX XXXX XXXX. I do maintain an XXXX XXXX XXXX account in good standing at my address in XXXX XXXX, FL, for the last 3 years. My daughter was contacted by XXXX XXXX XXXX in XX/XX/2018, regarding the balance owed, but the service dates, address listed as the service address, and amount owed were all incorrect. She requested XXXX XXXX XXXX conduct a premise research into the matter to confirm the correct address and service dates, thereby allowing XXXX XXXX XXXX to revise their statement. That was the last interaction she had with XXXX XXXX XXXX, they never contacted her again, certainly never contacted me as it was not my bill to begin with. Lastly, I can make a very informed observation about XXXX XXXX XXXX 's customer service and billing departments as I've consistently ( almost monthly ) had errors committed in terms of which services I'm billed for, discount programs I'm promised on the phone that don't carry forward to the invoice ... .terrible customer service and billing reps.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-24

Bronson, OH

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with non-monetary relief

Timely Response

2018-08-24

Rochester, OH

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: When I negotiated this payment with the collections company ( Diversified ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products. CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE. DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : XXXX XXXX PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XXXX, Type : Collection Most Recent Adverse Rating - Date:XXXX, Type : Collection Prior Adverse Rating - Date:XXXX, Type : Collection XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-08-23

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-08-23

Bronx, NY

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: I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-22

Clermont, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This is not my bill, I have tried several times to get them to remove this, I have told them I have never owned a XXXX phone, service, they have called, they have posted to all my credit reports, and within the last2 weeks posted it to my XXXX 2 times with a two week period, I have no contract with them, I am a XXXX Veteran, they call my daughters phone, at least 3 times a day, and she has changed her phone number 3 times since last year. I have told them not to contact her, this was not my bill, I am an XXXX Veteran a XXXX XXXX XXXX, XXXX, this is causing me harm and stopping me from pursing a home.answer to my disputes submitted ( Date ) for the accounts listed below. I disputed the inaccuracy in which these accounts were being reported. I dont understand how these accounts were verified when I was not sent any proof by way of your method of verifying the accounts listed in my dispute. So according to FCRA 611 ( a ) ( 7 ) I am requesting the description and documentation used to verify these accounts. There for I am also requesting that you provide me with the documents that you have on file as of ( DATE ) that your company is in compliance with Metro 2 reporting standards. Under the Fair Credit Reporting Act 15 U.S.C. 1681g, I believe it is my right to request that you provide me with the Header Record, containing 18 fields, which ensures that the information was identified correctly by the bureau. The Base Segment, containing 49 fields, which provides the specific account information for me. The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau to my particular file. Your response that these accounts were verified was not enough to satisfy the accuracy of these accounts. If you can not provide me with the above information as requested please delete these accounts accordingly per FCRA 611 ( a ) ( 5 ) ( A ) ( i ). I am exercising my right provided by FCRA 15 U.S.C. 1681i to request that the above information be provided to me with the time allotted or these accounts be deleted from my credit report. Please do not continue to knowing report these items if there is no proof to their accuracy. If you are unable to provide proper redress for this matter, which is the Metro 2 compliance documentation and evidence to the accuracy of these accounts I will be forced to seek additional support by way of complaint to the FTC,, and my Attorney General. If you are unable to provide the above documentation and evidence please delete these accounts and provide me with an updated copy of my report reflecting the deletion of these accounts. I HAVE UPLOADEDPICTURES WHICH SHOWS IT ON MY EXPERIAN TWICE WITHIN A WEEK, MY TRANSUNION, MY EQUIFAX.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-22

Eight Mile, AL

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-22

Kildeer, IL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-08-21

Indiahoma, OK

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-08-21

Ogden, UT

Incorrect information on your report

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

Information belongs to someone else
Complaint: Diversified Consultants is reporting on my credit report and attempting to collect a debt that I do not owe. Also I never received a notice for this either, I just saw it show up on my credit report. It says it is for XXXX but I do not owe XXXX. They came and picked up the Equipment on XX/XX/18, XXXX was the representative. I also made my last payment with him that day because he pulled it up and told me my final bill. His number is XXXX. XXXX has been paid and this debt is erroneously reporting.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-20

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-08-20

Glendale, CO

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: In XXXX of XXXX I received a call from diversified consultants, claiming I owed {$140.00}. I explained to them I just got back from XXXX and they said my balance was XXXX and I had returned all equipment. I also explained I wasnt in any contract with XXXX to owe any money, it was a no term agreement. In which I never provided my social security number to obtain any type of credit. The representative I spoke with at diversified said since my social security number was not provided it would not be reported to my credit report. She stated she would mark as a dispute, and provide me validation or verification of the debt before they proceeded any further. On XX/XX/2018, I received notice from XXXX that there was a collection for {$140.00} reported. I was highly upset! I have worked for the past 6 years to obtain a XXXX FICO, and was misinformed by this company. When I called back I spoke with a rep I inquired on how my social was obtained she stated it was in the contract with XXXX, which I knew was untrue, because XXXX verified it wasnt. I also explained that this was resolved directly with XXXX and that they needed to remove collection from my XXXX bureau and not report anything to my credit bureaus going further, they refused stating they cant remove anything.
Company Response: Closed with non-monetary relief

Timely Response