Diversified Consultants, Inc

2018-07-30

Thompsons Station, TN

Incorrect information on your report

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

Account information incorrect
Complaint: They will not verify the account its a secound hand account which was with XXXX which I canclled and payed my bill in full due to XXXX not keeping their contract with me about the rate I would get for 3 months due to their promo offer. A company named Diversified Consultant most have bought this bogus account from XXXX XXXX and they want respond or show proof of this debt being mine.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-30

Staten Island, NY

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-07-30

Auburn, AL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XX/XX/2018 Diversified Consultant RE : Account # To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-07-30

Mccullers, NC

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

2018-07-30

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. I contacted the company Diversified Consultants and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. I have not received a reply from this company and it is over 30 days and they are now out of compliance. Under advise, I wish to informed Diversified Consultants that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Company Response: Closed with non-monetary relief

Timely Response

2018-07-29

OH

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: i would like to know why diversified consultants thinks they have the right without my permission to share and resell the debt they marked as fraud in their systems and my last complaint against their company got them to delete it from my credit report and from their systems but yet they think they have the right to resell my personal information to XXXX XXXX after after they confirmed the account was fraud? how the XXXX can your company do that? please explain because i am leaning toward you violated the fair debt collection practices act the account was for a XXXX account i have no clue about and does not belong to me.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-27

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I sent a request for validation to DIVERSIFIED CONSULTANTS for the they claim I owe them, they received my initial letter on XX/XX/2018 and they also received my 2nd letter dated XX/XX/18. I have not gotten a response or resolution for this issue which is affecting my personal credit. As of XX/XX/18 DIVERSIFIED CONSULTANTS has not replied. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it from my credit reports but he chooses not to. Please help and thanks for your review.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-27

Bueche, LA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I recently ran my credit report on notice that I owed some money through XXXX XXXX that was being handled by a company called Diversified Consultant. Apparently this bill was for service that I had when I was in Indiana and was not aware because of not receiving any information and relocating to another State. On XX/XX/XXXX, I mentioned this to Diversified and asked if I pay it off can I have it deleted from my credit report. They said all they could do is show it was paid in full. I paid the amount due and requested an email as well as letter stating that this bill has been paid which I have still not received.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-26

Liverpool, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XX/XX/XXXX I contacted Diversified regarding an account listed on my credit file in the amount of XXXX rounded off to XXXX on my credit report. Diversified responded by representative XXXX XXXX with a response that was not related to the account I was complaining about. There seem to be a misunderstanding on what account is being complained about. Please remove Diversified Consultants in the amount of XXXX from my credit file. This account is a result of identity theft. I have never had any dealing with Diversified Consultants nor the company XXXX in which you represent. I have never received a notification or validation from Diversified that this debt was owed or that it will be reported o my credit file. I wasn't made aware of this fraudulent debt until I check my credit file. I will also attach what was sent to me so the CFPB can see that they responded with something that was not in question to them. There is no contract bearing my signature nor any legal proof that I have any obligations to you. The alleged account is a result of identity theft and should be removed immediately.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-26

Gastonia, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I am filing a complaint with Diversified Consultants. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-26

Lawrenceville, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2018-07-26

Belvedere, GA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-07-26

SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Around XX/XX/XXXX of this year a collection company placed a collection on my credit reports from XXXX XXXX. I called the collection agency and I explained that I never had Services with XXXX. They sent me an affidavit to complete. I completed the affidavit and the collection was removed XX/XX/2018. Now I check my credit report and this company Diversified Consultants has placed this same collection back on my report. They are reporting the collection open date for XX/XX/2018. I have never had XXXX XXXX services. I believe this company is placing debts on consumer files that they do not own nor can they verify. How can they have an open date of XX/XX/XXXX when XXXX XXXX didn't remove the accounts from my files until XX/XX/XXXX. This is illegal and unethical tactics are being used. I am fully aware of my rights and I am currently looking into suing this company for defamation and violation of the FDCRA.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-26

ME

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: XX/XX/XXXX at XXXX was the first phone call from a Diversified consultants calling from phone number XXXX, calling my phone number looking for XXXX XXXX . I XXXX XXXX answered the phone and told the lady he doesnt live here please dont call here. Then XX/XX/XXXX at XXXX they called again from XXXX looking for XXXX XXXX this time I hung up. Then XX/XX/XXXX at XXXX a lady called again from the diversified consultants this time from XXXX i told her XXXX XXXX Does not live here she said she would remove the phone number from the list. Next day XX/XX/XXXX XXXX am a lady called again this time from XXXX from diversified consultants. I said again he doesnt live here and hung up. Then at XXXX same day XX/XX/XXXX they called again this time I ignored the phone call. Just because I have the same last name as this XXXX XXXX does not mean that he lives here! I do not want them harrassing me for someone elses debt. I then called the number back twice at XXXX XX/XX/XXXX and used the automated system to remove my phone number from the list.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-26

Cocoa, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have requested multiple times VALIDATION of this alleged debt. I have advised a past bill is NOT validation. I am requesting VALIDATION of this alleged debt in the form of a signed contract with the company seeking funds from me, Diversified Consultants. I have NEVER signed a contract with DCI and have no obligation to pay this company.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-26

Burbank, CA

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

2018-07-26

Talladega, AL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2018-07-26

Cheverly, MD

Incorrect information on your report

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

Information belongs to someone else
Complaint: Diversified Consultants reported on my credit report an account which is clearly not me. I have not used my credit in 5 years due to secret / divorce issue - REPORT NUMBER- XXXX Account XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-07-25

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

2018-07-25

Brentwood, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I HAVE ALREADY FILED A DISPUTE WITH XXXX, I RECEIVED A RESPONSE FROM THE ORIGINAL DEBT COLLECTOR, AND XXXX. STATING : THAT THEY VERIFIED THE ACCOUNT AS LEGALLY BELONGING TO ME. IT DOES NOT BELONG TO ME, THIS ACCOUNT WAS OPENED ONLINE WITH XXXX XX/XX/XXXX BY A TENANT LIVING IN OUR HOME AT THE TIME. A POLICE REPORT WAS EVENTUALLY FILED, AND I DISPUTED THE ACCOUNT AS MISREPRESENTATION, FRAUD, AND UNAUTHORIZED USE OF PERSONAL INFORMATION TO GAIN ACCESS TO SERVICES OR CREDIT, TO XXXX AND XXXX. THE COLLECTIONS COMPANY " DIVERSIFIED CONSULTANTS '' SENT ME A LETTER THE OTHER DAY XX/XX/XXXX ( THIS IS THE THIRD TIME I'M, TRYING TO REMOVE THIS FROM MY CREDIT REPORT. )!!! BALANCE OWED ALLEGEDLY : {$480.00}
Company Response: Closed with non-monetary relief

Timely Response

2018-07-25

Grosse Ile, MI

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-07-25

TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I sent in a dispute last year and again in XX/XX/XXXX. This item was removed from my account. After 3 months it is put back on XXXX and XXXX with an opened date of XX/XX/XXXX which from my understanding the open date has to be the date originally opened which was in XX/XX/XXXX. I constantly get calls on my cell number from Diversified Consultants at all times of day and night. I have never received written notification from anyone about this item being put back on my account.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-25

Houston, 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

Their investigation did not fix an error on your report
Complaint: I have disputed this account multiple times and XXXX removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. DIVERSIFIED CONSULTA Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. XXXX is continually allowing creditors who are unauthorized to access my information and this is against my rights.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-25

IN

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: In XX/XX/2018 I contracted with XXXXXXXXXXXX for TV service and internet. After Tv was connected, I was informed that XXXX could not provide internet service. I was forced to fine alternate internet service. About three ( 3 ) weeks later we were unable to get TV service. Screen message said " problem with satellite ''. Tihinking that XXXX surely knew when the had problems, I did not report this outage. Within a few days a second outage occurered, making tv completely unusable. I called the phone number on screen and was greeted by a woman who refused to let make a notification about the outage until I purchased an insurance policy in the amount of {$99.00} on the XXXX equipment which I was paying rent for. I refused and was informed that I was " going nowhere until I came up with {$99.00} ''. I hung and the next day went to the local office and informed them that I was cancelling my service and why. I returned all XXXX equipment the next day to their local store. No one would sign that I had returned the equipment, but I left it anyway. NowXXXX is billing me {$680.00} for early cancellation charges. They completely ignore any letter that I send and have turned the matter over to a debt collection agency.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-24

Arco, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: The account that diversified consultant lists on my XXXX account is inaccurate. After trying to reach out to them by sending a validation letter Diversified Consultant responded by sending a bill from XXXX never validating the accuracy of the account. I have never had a XXXX account and they are inaccurately placing information on my credit report that is harming my credit.
Company Response: Closed with non-monetary relief

Timely Response