Diversified Consultants, Inc

2018-08-20

AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I looked at my XXXX credit report this weekend and saw credit score had dropped and also had added a Bill with diviserfied consultant XXXX for XXXX. I have never applied for credit or services with company.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-20

Talladega, AL

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

2018-08-19

Rochester, WA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I switched phone service from XXXX to XXXX having paid my final bill ( approximately {$350.00} ) and having returned ALL my XXXX equipment. This was in early XXXX of 2018. Subsequent to that, I received another final bill from XXXX in the amount of {$2300.00} and change. I contacted XXXX to dispute the erroneous billing and was told by the XXXX Customer Service Rep ( XXXX XXXX ) that I would not receive any further billing. Since that date, I have received no further communication from XXXX with the exception of the emailing of the transcript of the chat, which states, " I have successfully escalated the issue to my higher level team and put the notes in the account. You will not receive nay further bills. Be rest assured. '' As you can imagine, it was quite a surprise to learn that just a few weeks ago ( on or about XX/XX/XXXX, XXXX handed the account over to Diversified Consultants of XXXX who immediately filed a collection action with the XXXX. Neither XXXX nor Diversified sent any letter or email notification of their claim. In fact, it seems that Diversified has a habit of not providing the required written notice of a collection action. No written notification was received in my case. What they typically do, and did in my case, was wait until the see a credit inquiry for a home loan and then file a derogatory collection claim with the credit bureau - XXXX in my case. Again, this is very dishonest and what they did in my case and have done on other cases according to information available in your records.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-18

Warren, OH

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-08-17

Gastonia, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$1000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Please note as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages. You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX SSN : XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-08-17

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have been dealing with Diversified Consultants regarding this XXXX XXXX XXXX acct since last year in XXXX. I mailed letters asking for validation and verification to be sent and because they could not provide documentation with my signature they seized all collections efforts and deleted from all credit bureaus. I see that they have once again put that same XXXX XXXX XXXX acct on my credit without proof that this acct belongs to me. I want this acct deleted for the 3rd time and to stop trying to collect on an acct that isn't mines.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-17

West Brandywine, PA

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Complaint: I have been disputing this account with the credit bureaus and directly with the collection agency. They Never sent me a notice of my right to dispute the debt under 15 USC 1692g. They only finally responded when i started to dispute the debt. They also continued to contact me even after i sent them a certified letter telling them not to contact me.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-17

Sebring, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I sent In a letter certified asking them to validate this debit and attached below Is what I recieve. Im asking that this info Is look into for It Is damaging my credit.this Is not a copy of a validation.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-17

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: An amount of {$950.00} was charged to my credit score and sent as a collection from XXXX on XX/XX/2016. This is an account that was opened without my knowledge and/or permission. I have submitted a dispute through the 3 major reporting agencies and have yet to here a response.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-16

Cedar Hill, 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

2018-08-16

Phoenix, AZ

Incorrect information on your report

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

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

Timely Response

2018-08-16

TN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I logged onto my XXXX XXXX account today ( XXXX ) since they update my reports weekly on there. I had notification of a derogatory remark. And I noticed it was from Diversified Consultants collecting for XXXX in the amount of {$330.00}. The collection account was opened on XX/XX/XXXX. I never received any communication from this company saying i owe this nor was given my right to dispute within 30 days. Which i am going to dispute this account as well.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-15

Houston, TX

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 CONSULTANT XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANT 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

2018-08-15

Ocean City, MD

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-08-14

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In May received a call from this collection agency. Asked for a person. Explained no one by that name here. They said that att sent them this account due to no payment under a ( this person name ). Told them that we have never had an XXXX mobile acct and that this is an error cause the acct does not belong to me. I then called XXXX fraud depart had them check under my name, address, ssn ... they said no acct exist. I had them try and find an acct with this bogus name, using my address ... still could not find an account. The fraud department told me that since they could not find any accounts, I should not be worried. I told this to the collection agency who I found out went ahead and reported this bogus account, with the bogus name, under my social security number. Not sure how the collection company got my social or my phone number but it sure did not come from att cause I never had a mobile account with them.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-13

Fitchburg, WI

Communication tactics

Debt collection: I do not know

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

Timely Response

2018-08-13

Elsinore, 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 an account for XXXX XXXX XXXX on my credit that is not mine. I've filed police reports and the fraud dept determined that it was someone in North Caroline who opened the account. I live in UTAH and have always lived in Utah. This is not mine & I have never had a collection on my credit nor have I ever had XXXX XXXX XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-13

NV

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I was with XXXX XXXX XXXX for my cell phone service and XXXX XXXX. I had cancelled my cell phone service when moving from XXXX, XXXX to XXXX, XXXX. Once my move was complete, I had my dXXXX XXXX transferred and stayed with XXXX XXXX XXXX. I continued to receive billing just for XXXX XXXX and continued to pay all amounts due. I am in the process of trying to buy a home in XXXX and found out that I had a collection with XXXX XXXX XXXX that was sent to Diversified Consultant. Again, I was still with XXXX XXXX XXXX ... they had my contact information and I was never called or notified of this debt. I went ahead and reached out to Diversified and explained my situation ... I was told the only way to remove the debt from my credit report was to pay the account ... so being under pressure ... I paid the debt. I had also reached out to XXXX XXXX XXXX Office of the President to let them know what had happened ... I received the notification via email indicating that XXXX XXXX XXXX sent an email requesting the deletion of the account from the credit bureaus. The account has not been deleted as of yet.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-13

Milwaukee, WI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with Diversified Consultants which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with Diversified Consultants since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX also informing them that reinserting negative information on credit files is illegal and asked to have the negative files removed since they failed to provide proof of my signature with Diversified Consultants. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-13

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-08-13

Astoria, NY

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

2018-08-12

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Debt collection notices were placed on my credit report on XX/XX/18, XX/XX/18 and XX/XX/18 by Diversified Consultants for an unpaid balance to XXXX for {$1100.00}. This debt is not mine and a likely result of identify theft. I had requested Diversified Consultants to verify this debt via certified mail on XX/XX/18 ( Tracking # XXXX, delivered on XX/XX/18 ) but they have not responded to date, continue to harass me via phone and entered a new collection notice on my credit report on XX/XX/18. I have opened investigations with all CRAs that list this collection notice - they are investigating the debt/account info. Diversified Consultants is in breach of FDCPA - they have not verified this debt despite receiving a written request from me, continue to harass me via phone and continue to report/issue new notices to the CRAs. My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-08-12

Arsenal, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: This collection i'm asking you to remove from my account that is {$1300.00} from DIVERSIFIED CONSULTANTS that has been re opened 2 months ago when i want this removed from collections my credit is already bad i dont need it any worse im asking to please remove this from my collections account im trying to apply for a credit card with all these collections and hard inquiries.i cant go no where with out these things gone
Company Response: Closed with non-monetary relief

Timely Response

2018-08-12

Cheverly, MD

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have disputed with Diversified Consultants Inc about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX XXXX on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Diversified Consultants did not oblige. Diversified 's letter, ( see attached ), dated XX/XX/2018 and XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting. Since Diversified Consultant is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-12

San Francisco, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Debit of phone bill was made via autopay for my small business. I closed my business and called XXXX XXXX XXXX to terminate my account. I called multiple numbers and spoke to multiple people telling them I wanted to close my account. XXXX XXXX XXXX kept billing me for several months after so I called my bank an revoked authorization. They continued to bill me and then sent me to collections. They collection agency continues to pursue this debt and I continue to dispute it multiple times. It has been close to 3 years now. The recently reported it for a 3rd or 4th time on my credit report. I am sick of having my credit report dinged every three months and then having to dispute it. Finally, I just paid the amount owed so they would go away and they filed against my credit report again after I paid.
Company Response: Closed with non-monetary relief

Timely Response