Diversified Consultants, Inc

2018-05-05

Sebring, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On or about XX/XX/2018, I XXXX XXXX received a letter from Diversified Consultants , Inc. a debt collector ; It was my understanding that the debt would be deleted from the three ( 3 ) credit companies. Based upon the correspondence with Diversified Consultants the out come was what had not been agreed to ; I were under an understanding that the debt would be deleted ; however, after releasing the funds, I was further told to check my email for a correspondence letter. Please see : Creditor : XXXX Agency Reference Number : XXXX ; Account Number : XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-04

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-05-04

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This is not my account.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-04

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/2015 this debt for {$800.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-04

Woodland, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I am disputing owing any money to XXXX XXXX. I sent the collection agency representing XXXX a certified letter asking them to send me proof of this debt and have received nothing. I have proof they received my letter of dispute and since they are not willing to provide the proof of debt they claim I owe, I would like any record of this supposed debt taken off each of the credit bureaus they have reported to! I would also love to see a public apology to all of the current and former customers this company has blatantly ripped off. However with the likelihood of that happening being slim to none, I'll settle for clearing these fraudulent & fabricated claims against me from my credit record. Thank You
Company Response: Closed with non-monetary relief

Timely Response

2018-05-04

Oxford, GA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Diversied Consultants has been in accurately and unfairly reporting an account which they claim I owe {$410.00} since XX/XX/XXXX. I attempted to resolve this matter by sending a letter via certied mail USPS ( XXXX ). The letter was received on XX/XX/XXXX, I requested validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Diversied Consultants failed to provide validation. In their response they provided an itemized document ( bill print out ). As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verication. Due to their Negligent Willfulness of Identity Fraud and Diversied Consultants dismissive response, my next course of action will be legal. Not only are there numerous errors in Diversified Consultants reporting, conflicts of vital information exist in each of my individual credit reports. Laws I can potentially le suit for : 1 ) FCRA Section 623 2 ) US Court of Appeals, XXXX Circuit, No.XXXX, XXXX vs. XXXX XXXX 3 ) FCRA Section 605 ( c ) 4 ) FDCPA Section 809 ( b ) FTC opinion letter Cass from XXXX 5 ) Metro 2 Compliance FCRA rules allow for up to {$1000.00} per violation. First Communities will also be liable for any court fees.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-04

San Diego, CA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: To Whom It May Concern : Diversified Consultants, XXXX, first called me last month stating I owed an outstanding bill with XXXX XXXX XXXX that they were trying to collect on for them. I let them know I did not owe XXXX XXXX XXXX any money. The Collector stated I owed over {$400.00} to them which also included a termination fee. I let her know if I owed XXXX XXXX XXXX money, then she would not be getting through to me on my phone. I let her know I was calling XXXX XXXX XXXX and she tried advising me not to call them because they would only direct me back to them, so she put me on hold. I hung up on her and, immediately, called XXXX XXXX XXXX and submitted a complaint with the XXXX XXXX XXXX Representative, who saId XXXX XXXX XXXX has its own accounts receivable deparment when collecting and she the XXXX XXXX XXXX Representative said I did not have any outstanding balance with XXXX XXXX XXXX. The XXXX XXXX XXXX Representative was going to submit this to their fraud department. Then, today, I get another call from XXXX, at XXXX XXXX demanding I pay the debt. I let her know I confirmed with XXXX XXXX XXXX that I did not owe any money. She said I owed it and that she was going to let XXXX XXXX XXXX know I refused to pay it. I let her know to go ahead because I already filed a complaint with XXXX XXXX XXXX against her company and I was notifying the CFPB because I do not owe XXXX XXXX XXXX any money. I hung up with her and, immediately, called XXXX XXXX XXXX and talked directly with XXXX, in their fraud division, who was going to intervene to get this company to stop harassing me because I have a XXXX balance with XXXX XXXX XXXX. XXXX XXXX had no right calling me again, when I told them not to call me and that I did not owe them any money. They had no right trying to prevent me from calling XXXX XXXX XXXX to verify the balance, which I did not owe. Please tell XXXX XXXX to never call me again and to never harass me again. Tell them I do not owe XXXX XXXX XXXX a dime and that they had NO right trying to prevent me from contacting XXXX XXXX XXXX. They had no right trying to force me to pay a debt without allowing me to first verify it with XXXX XXXX XXXX. Please tell them to refrain from contacting me and that I do not owe them a dime! It is harassment. Thank you in advance for your time and consideration. Regards, XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-05-04

Lewisville, TX

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

2018-05-03

Foothill Ranch, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Results Report Number : XXXX Date Generated : XX/XX/XXXX DIVERSIFIED CONSULTANT Account This item was removed from your credit report. Please review your report for the details. View your Report | View your credit score Deleted + 'icon ' Deleted Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX Account This item was removed from your credit report. Please review your report for the details. View your Report | View your credit score Deleted + 'icon ' Deleted XXXX Inquiry Date : XX/XX/XXXXThis item was removed from your credit report. View your Report | View your credit score Deleted + 'icon ' Deleted XXXX has not taken these off of my credit report like the others have
Company Response: Closed with non-monetary relief

Timely Response

2018-05-03

Columbia, SC

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

2018-05-03

Manhattan, NY

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

2018-05-03

Charlotte, NC

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

2018-05-03

IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX, Diversified Consultants Inc was in receipt of a letter I sent via USPS certified mail with receipt in reference to a tradeline item listed on my credit report under the company 's name regarding an alleged debt to XXXX. This letter requested verification and documentation of the debt from the original creditor including account numbers, amount owed, when the debt was obtained by Diversified Consultants and if they obtained this debt from a separate collection company. Requested was proof of the last billing statement originally sent by the original creditor, fee statements, if there had been any changes or adjustments since the last billing statement from the original creditor. Also requested was proof that Diversified Consultants is was licensed in the State of Illinois under the Illinois Department of Professional Regulations as their company is located in XXXX, Florida ; a copy of the agreement with the original creditor ( XXXX ) showing proof they are legally authorized to attempt to collect the debt for XXXX ; and the amount the debt was purchased for, if they owned the debt. Diversified Consultants responded on XX/XX/XXXX via USPS First Class mail with the attached letter and copy of statement from XXXX as proof of the owed debt. Upon review of the letter and included statement, it was observed that the statement amounts listed owed, as verified proof and the letter sent by Diversified Consultants does not match. As no proof of changes to the debt amount had been sent as requested, this is a misrepresentation of the total debt amount owed and invalid proof of debt as there was not current verification of said debt with the original creditor, which would have provided accurate statement amounts. On XX/XX/XXXX, upon direct communication with XXXX, the original creditor, it was verified that the statement sent as valid proof by Diversified Consultants was in fact invalid and did not match the company 's records. All the above facts prove that Diversified Consultants misrepresented the debt entirely, including the total amount owed ; the validity of the debt ; that they verified the debt ; and that they had legal ownership of the debt to collect on it as a representative of XXXX as evidence of assignment, and that they are legally able to operate in the State of Illinois.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-02

Rockford, IL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I was on a payment arrangement with XXXX to clear a balance owed. I never missed a payment on the arrangement with XXXX because it was setup on auto payment. During my repayment plan I was assured that my balance would not be forwarded to a collection agency. On XX/XX/XXXX my final payment of {$37.00} was auto debited from my bank account. Then on XX/XX/XXXX I received a notice from XXXX XXXX XXXX stating I owed {$30.00}. When I inquired about the {$30.00} I was told it was a payment plan fee from XXXX and that I owed the amount. It was never communicated to me by XXXX that a payment plan fee was owed. This collection from XXXX XXXX XXXX has since been placed on my report reports unfairly. I went ahead and paid the {$30.00} fee because I wanted to resolve the issue, but it was never communicated to me that I owed a fee and XXXX confirmed that my account didn't go to collections. I've tried several times to have XXXX correct with issue with XXXX XXXX XXXX so they can remove the info from my credit reports. This negative credit reporting is creating a hardship for me and it should have never been reported based on all communications from XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-02

LA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I would like to submit a complaint against ( Diversified Consultants ) regarding unknown cable account ( s ) XXXX for {$260.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Diversified Consultants ) provided me with any type of notice regarding the account ( s ). ( Diversified Consultants ) never mailed me any letters or communicated with me in any manner regarding this alleged account ( s ). I mailed ( Diversified Consultants ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Diversified Consultants ) are reporting on my credit report ( s ). ( Diversified Consultants ) has not responded to my letter requesting debt validation with proper debt validation per the FCRA and FDCPA but continue to report the unvalidated/unverified account ( s ) to my credit reports. Therefore, I contacted the original creditor ( s ) XXXX XXXX XXXX listed on my credit report ( s ) that ( Diversified Consultants ) claimed to be collecting for. XXXX XXXX XXXX, the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) for {$260.00} with their company ( XXXX XXXX XXXX XXXX and nor did they ( XXXX XXXX XXXX ) assign any account ( s ) in my name to ( Diversified Consultants ). These erroneous entries being reported by ( Diversified Consultants ) are detrimental to my overall credit rating and have caused me injury, both financially and emotionally.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-02

IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX has given my information to Diversified Consultnts to collect on a debt for XXXX. I have disputed this collection on XXXX, XXXX 2017, XXXX XXXX 2017, and XX/XX/2017. Each time this account was removed from my credit report. This company keep reporting the same account using different account numbers. Which is illegal and unfair I have worked hard to have a good credit report. Only for them to make my score drop every time. I dont know how to stop them I have spoken with them and the credit bureau but, no one seem to help. I need for them to remove me for their database. And to clear my credit reports. The most resent is XX/XX/XXXX just when I was to speak with a mortgage company.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-01

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Hello, my problem is with XXXX/ XXXX of XXXX Florida . I moved into my new apartment at the beginning of XX/XX/2018, few months ago. I transferred my XXXX account from prior address to new. In doing so, they claimed I owed them XXXX dollars. I told them I did not. They kept pushing so to stop them I sent the XXXX dollars. About a month later they sent me a check for XXXX dollars, overpayment. After I paid them for the first month, XXXX, I started getting calls for late payment and eventually I was receiving 3 to 5 calls per week from them by humans as well as recorded calls threatening to turn my service off. Even after explaining to the person XXXX received and cashed my check they didnt believe me. By the second month the calls got worse. Again I paid them XXXX for the second month ahead of time but the phone calls got worse. They were claiming I did not pay anything by this time. I went to the bank and got copies of both checks paid to them. By this time they turned my service off. I took their equipment and my cancelled checks to them. They made copies to keep, put the info in her computer and said no problem, this will be the last of the harassment. Now I am getting calls from a collection agency and they dont care it was paid and dont want to hear it. He recommended I pay it again to end it. I do not know what else to do but to file a complaint.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-01

Rochester, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: IHi my name is XXXX XXXX and this is the third time that DIVERSIFIED CONSULTANTS has ruined my credit report by reporting fraudulent balances that are not mine nor did I authorize I have told this company several times and provided them with a police report amongst other documentation but they continue to report fraudulently to credit bureaus. They are now reporting to XXXX XXXX and XXXX I want this removed off my credit report at once as it does not belong to me and is fraud. I am a victim of identity theft and this whole thing is causing a tremendous amount of stress on me as I am XXXX. Please make these people remove this fraudulent charge and stop them from harassing me please.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-01

Pittston, ME

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

2018-05-01

Stewart, AL

Incorrect information on your report

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

Account status incorrect
Complaint: XX/XX/XXXX, I RECEIVED A LETTER FROM DIVERSIFIED CONSULTANTS IN REGARDS TO A RECENT DIPUTE I HAD MADE. THE LETTER STATED DIVERSIFIED CONSULTANTS REVIEWED MY DISPUTE AND THEY CEASED COLLECTION OF THE ACCOUNT AND TO BE ADVISED THE CREDIT BUREAS IN WHICH THEY CONDUCT BUSINESS WITH WAS NOTIFIED WITH THEIR REQUEST TO DELETE THEIR LISTING OF THE ABOVE-REFERENCED ACCOUNT. AS OF XX/XX/XXXX DIVERSIFIED CONSULTANTS IS STILL SHOWING ON MY CREDIT REPORT AND HAS NOT BEEN DELETED AS THE LETTER STATED IT WOULD. I'VE SENT MULTIPLE COMPLAINTS AND DISPUTES INCLUDING A COPY OF THE LETTER TO THE CREDIT BUREAU IN WHICH THE LISTING IS STILL SHOWING AND WAS INFORMED DIVERSIFIED CONSULTANTS DID NOT CEASE COLLECTION OF THE ACCOUNT.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-01

Douglas, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have no knowledge of any debt with XXXX XXXX XXXX. I was a customer in the past and talked to customer service after switching to XXXX on SEVERAL OCCASIONS and was informed that I had a {$0.00} balance. Six months later I received a bill for over {$400.00}. This is the ONLY collections item on my credit report and it is negatively effecting my score. I have requested that it be removed and it has been removed from two bureaus, but still shows up on XXXX. I have been called multiple times and threatened to be sued for a debt that is not mine.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-01

Jupiter, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have written to Diversified Consultant on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-01

AL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: This is a collection company called diversified consultants. They are trying to collect for XXXX XXXX XXXX. Ive told them that I didnt have a remaining balance when I closed my account and when I went to turn the equipment back in I was told they like to still charge you and to hold to my receipt which I have. I tried explaining this to this collection company but theyre trying to tell me its not for an equipment charge. So I asked where is it coming from because I didnt have a balance and they couldnt give me an answer. All they keep saying is I owe {$270.00}. They have been calling for 4 months and I have blocked their number 13 times ... the balance is now on my credit report so I figured that they would stop calling because thats what they threaten you with to get to hurry up and pay, but NOPE they called me today XX/XX/XXXX from another number ... .please get the calls to stop before my phone memorys full from blocking everyone in the companys number ... ..please and thank you!!!!!
Company Response: Closed with non-monetary relief

Timely Response

2018-04-30

Bossier City, LA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-30

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On or about XX/XX/2016, shortly after XXXX XXXX XXXX merged with XXXX, I was provided the opportunity by XXXX XXXX XXXX to combine the billing of our XXXX Account with our XXXX XXXX XXXX XXXX Internet and XXXX Account at a reduced cost for our XXXX service. Since our XXXX XXXX XXXX XXXX account was in my name and our XXXX account was in my wife 's name, the XXXX XXXX XXXX representative said she would need to change our XXXX account from my wife 's name to my name in order to combine the billing of the XXXX account with the XXXX account. Instead of using my new XXXX account to combine the billing, the XXXX XXXX XXXX representative mistakenly used my wife 's account to combine the billing. This caused the XXXX payments to continue to go to my wife 's account and the new account, which was set up in my name received no payments. As a result, the account set up in my name became delinquent and XXXX sent my account to a collections agency. The attached documents show the efforts I have made to try to correct this problem with no success.
Company Response: Closed with non-monetary relief

Timely Response