Diversified Consultants, Inc

2019-09-14

Oak Lawn, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-09-14

FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have disputed these collection items showing on my credit report before but then they keep reappearing. XXXX is showing 2 collections items on my credit report, NEITHER of them are mine or related to me. Prior Dispute Report # XXXX XXXX XXXX XXXX XXXX acct XXXX for XXXX- XXXX XX/XX/XXXX & XX/XX/XXXX Prior Dispute Report # XXXX XXXX. XXXX XXXX # XXXX I have never lived in California XXXX nor applied for or have had any interactions with these companies. I have also been a victim of ID Theft in the past which I informed XXXX of in my initial dispute. I tried contacting the above companies with the information provided on my Credit Report however they want my personal information. Since this is already an error I do not trust giving my personal information to a company I have no dealing with. I take pride in my credit and these items are not mine & want them removed. I also want a credit lock/block on my account going forward.
Company Response: Closed with explanation

Timely Response

2019-09-14

Sylvania Township, OH

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I have tried to work with diversified when it comes to this debt from sprint. I have made multiple attempts to settle this debt. This debt collector does not want to work with me and threaten me that my credit score will go down to zero as they will continue to affect my credit score monthly until my credit score is zero. I have tried to work out the monetary means with this company payment options etc. this company doesnt care about the consumers and are going to drive me into chapter XXXX. I have tried numerous times in good faith to negotiate a settlement and they have no desire to engage me realistically with a settlement I can afford. I also feel that the service that was sold to me should not have been sold in this area as it did not work. I understand I owe for the device but to say we are going to zero out your credit score is absurd and I feel they they will not negotiate in good faith. I am feeling very frustrated as they wont take any settlement offer I have made,
Company Response: Closed with explanation

Timely Response

2019-09-13

Boston, MA

Incorrect information on your report

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

Account information incorrect
Complaint: This complaint is based on violations of the FCRA, the FDCPA and the Massachusetts Consumer Protection Act 940 CMR sec. 7 and MGL Chapter 93A sec. 2 by Diversified Consultants ( Diversified ). XXXX On XX/XX/XXXX, I reviewed my credit report and saw a collection account reported by Diversified. This debt was already disputed thru a previous debt collector long before Diversified reported the account. In short, Diversified reported the debt after it was disputed and not validated. XXXX_ On XX/XX/XXXX, I mailed to Diversified a letter advising them that they can not report a debt after it was disputed and not validated. This is supported by FTC Staff Opinion XXXX XX/XX/XXXX : [ w ] e view reporting to a consumer reporting agency as a collection activity prohibited by 1692g ( b ) after a written dispute is received and no verification has been provided. ___ In my letter dated XX/XX/XXXX, I also gave Diversified an opportunity to validate the debt by providing the materials required by Massachusetts law and the FDCPA. XXXX_ Diversified received my letter on XX/XX/XXXX via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. ___ At no time did Diversified validate the debt as they failed to provide the materials required by the FDCPA and Mass. law 940 CMR 7.08 ( 2 ). XXXX On XX/XX/XXXX, I disputed the account thru the credit bureaus. My dispute included the following : I am not responsible for this account AND [ Diversified ] failed to validate the debt by not providing the required materials under Massachusetts law and the FDCPA. ___ Despite the failure and/or refusal of Diversified to validate the debt, they falsely instructed the credit bureaus that the account was verified in order to wrongly prevent its removal from my credit report. ___ The courts have decided that reporting a debt to a credit bureau is an attempt to collect a debt. Because reporting a debt to a credit reporting agency can be seen as a communication in connection with the collection of a debt, the reporting of such a debt in violation of the provisions of 1692e ( 8 ) can subject a debt collector to liability under the FDCPA. XXXX XXXX XXXX , XXXX, XXXX. XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ). In XXXX v. XXXX XXXX. XXXX, XXXX , XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) the XXXX XXXX Court of Appeals. assume [ d ] without deciding that the reporting of the debt to XXXX constitutes a collection activity. ___ In a recent decision on the FCRA against a debt collector who verified unsubstantiated information to the credit bureaus, the court ruled as follows : A jury could also find that because [ the furnisher ] retained the right to seek account-level documentation through its agreements with [ the creditors ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. XXXX XXXX XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). ___Based on the aforementioned facts ( and supported by the attached Exhibit ), Diversifieds conduct includes the following : ___ ( a ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit bureaus. ___ ( b ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to consider all relevant information provided in my dispute to the credit bureaus. ___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverified information on my credit reports. ___ ( d ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of a debt without providing me verification of the debt, or a copy of a judgment, or the name and address of the original creditor. ___ ( e ) Violation of the MDCPA 940 CMR 7.08 ( 2 ) and MGL c.93A sec . 2 for continuing collection activity while failing to provide me with all of the required materials that would validate the debt under Mass. law. ___ ( f ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.
Company Response: Closed with explanation

Timely Response

2019-09-13

Lagrange, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I checked my XXXX XXXX account in XXXX when the inquiry was made to open the account and told them it was not me I was told that no account was opened and I caught it on time but XXXX XXXX XXXX still let the account become opened and I'm just finding out in XXXX XXXX that it's open for collection after they told me in XXXX that I was ok and that no account was opened
Company Response: Closed with explanation

Timely Response

2019-09-13

Jersey City, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-13

Little River, SC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-09-13

Greensboro, NC

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
Company Response: Closed with explanation

Timely Response

2019-09-12

Salton City, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have never done business with this company and they repeatedly call my phone multiple times per day and sometimes call from different numbers. I have let them know they have the wrong number and to stop calling my phone but they consistently call every day. Some other numbers they use are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Company Response: Closed with explanation

Timely Response

2019-09-12

East Haven, CT

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-09-12

NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have never received any contact from this company either by mail or by phone. I remember during the month of XXXX I started receiving what appeared to be robo calls. I would receive 2 calls per day on my cell phone from different phone numbers in the state of Virginia with no caller ID, and I would receive 2 calls per day on my home number from various numbers from different cities in North Carolina, again no caller ID or messages were left for me to call back. After approximately 30 days the calls stopped and this company put a collection notice on all 3 credit agencies. I was never contacted by mail nor were any messages to call back were left on my phones. I was never given the opportunity to discuss this account or work out any options with them.
Company Response: Closed with explanation

Timely Response

2019-09-11

Westfield Ctr, OH

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: Diversified Consultants call me daily at around XXXX from a local number regarding a small debt for XXXX XXXX . I have requested Diversified Consultants to stop contacting me 3 times this week after one representative claimed to work for XXXX ( which is false ), another representative hung up on me when I was requesting again for them to stop calling me, and the third representative today tried to over talk me as I was telling her I know this is a recorded line and to stop calling me. I have disputed this debt with another collection agency over the past 11 months as XXXX is charging me for service after the disconnection date and quoted me a final bill of about {$82.00} during my call in XX/XX/2018 upon disconnection or service. The other collections agency stopped contacting me regarding this debt after I requested and also did not place it on my credit report as I disputed it as an incorrect amount.
Company Response: Closed with explanation

Timely Response

2019-09-11

Brooklyn, NY

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: I've contacted the company who placed the collection on my credit report twice already with no response or acknowledgement from them. This account was sold to this company after disputing with the last company that they were illegally reporting the wrong date as well on my credit report so they decided to sell it to diversified consultants now and they as well are continuing to report the incorrect delinquency date and these company continue to keep selling this account illegally restarting the delinquency dates. I ask that the CFPB have these collections removed from my account permanently.
Company Response: Closed with explanation

Timely Response

2019-09-11

Killeen, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-11

Greenwood, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I am a victim of Identity Theft. XXXX is reporting a collection through Diversified Consultants XXXX for {$1800.00} that is not mine. Police Report has also been filed : Report number is : XXXX I have tried contacting XXXX, Diversified, XXXX, XXXX and XXXX and am not getting this account researched and resolved. It is preventing me from getting the credit I deserve and needs to be deleted right away.
Company Response: Closed with explanation

Timely Response

2019-09-11

Rncho Domingz, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX XXXX representing XXXX XXXX deleted negative information on my credit because they had no supporting documentation that I owed the debt, then Diversified Consultants bought the account and has repetitively sent correspondence demanding payment for the same debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2019 DIVERSIFIED CONSULTANTS {$870.00}
Company Response: Closed with explanation

Timely Response

2019-09-10

Bartlett, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-09-09

Staten Island, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692, et seq. ( FDCPA ), Telephone Consumer Protection Act ( TCPA ) and Fair Credit Reporting Act ( FCRA ). Unbeknownst to me, Diversified Consultants placed a collection account on my credit bureau reports and damaged my credit score/worthiness.I was also inundated with collections calls from DCI. Requests to cease and desist contacting me were disregarded, in violation of the, Telephone Consumer Protection Act. On XX/XX/2019 DCI was sent a letter asking to validate the debt. DCI did not respond to my request. Another debt validation letter was sent on XX/XX/2019. Despite the fact that the XXXX and XX/XX/2019 debt validation request letters were delivered and signed for, DCI failed to respond, in Violation of 15 U.S.C. 1692g Validation of Debts. 15 U.S.C. 1692g provides that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing certain enumerated information. DCI has violated 1692e by using a false, deceptive and misleading representation in its attempt to collect a debt.5 U.S.C. 1692e prohibits a debt collector from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. DCI falsely reported a collections account to credit bureaus that resulted in damage to my credit worthiness, in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Company Response: Closed with explanation

Timely Response

2019-09-08

Grimsley, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-09-08

Mount Washington, KY

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-09-08

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX has reached out to the Collection Company of Diversified Consultants to collect a debt of {$140.00} that has already been paid to XXXX XXXX months ago after I closed out my account at a previous location. I can not understand why this company is stating that I owe this balance when I currently have service with them after I moved from the location that they are stating I left a debt of {$140.00}. It is highly unlikely that they would give me service at a new location if a previous bill has not been paid. You have damage my credit with this incorrect reporting on my bureaus ( XXXX, XXXX, XXXX ). I graciously ask you to delete this incorrect reporting from my all bureaus. I make great efforts to keep my credit in order and to have something such as this reported on my bureau is unfair especially since you have extended me additional service. Please delete the amount of {$140.00} for all 3 credit bureau agencies immediately.
Company Response: Closed with explanation

Timely Response

2019-09-07

Eagle Pass, TX

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 explanation

Timely Response

2019-09-06

New Orleans, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-09-06

TX

Incorrect information on your report

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

Account information incorrect
Complaint: I have a collections account with Diversified Consultants, Inc. XXXX for a XXXX XXXX account which is not accurate. account ends in XXXX I have tried to get copies of this invoice from XXXX XXXX as well as Diversified Consultants, Inc.and have never received it on an account that was previously paid off. They are incorrectly reporting on my credit reports that the debt is legitimate although they have not provided me with proof of the debt ( even thought I paid off this account years ago ) and they are now refusing to remove the debt from my credit report. My name is XXXX XXXX, XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-09-06

NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Diversified Consultants collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.
Company Response: Closed with explanation

Timely Response