Diversified Consultants, Inc

2018-04-18

Mabank, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have been receiving repeated phone calls from varies phone numbers a few times a day. No message is left, I block the calls as Spam, and another number starts. I answered one number and he argued with me to act like I called him and he was a doctor. He did it only to see if my number was a working number. It harassment and it feels like one of those sneaky collection companies using illegal tactics. The last call was today XX/XX/18, from varies phone numbers but the company is called Diversified Consultants when I called from another number to see who was repeatedly calling my phone. The numbers that called are : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-04-18

Echo Park, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: this is not mine and I cant get a house due to this collection.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-18

Jersey City, NJ

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-18

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have respectively contacted XXXX and the collection agency over and over again about an account that I have not opened. I have never had XXXX. Therefore this account shouldn't be on my report. They sold this account to Diversified Consultants and they are claiming that this is my account. I have asked XXXX to also send me proof of any contracts that I have signed or anything that they may have that could verify that it was me that opened this account. As of XX/XX/2018 I have not gotten any paperwork or anything else stating that I opened this account. I want this account removed from my report. They know it's not mines this is why its only on one report.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-18

Sacramento, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: NOTE : This is a CHALLENGE as I am NOT DISPUTING. I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT XXXX XXXX format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. The items attached are non-compliant as per the FCRA and CDIA requirements!
Company Response: Closed with non-monetary relief

Timely Response

2018-04-18

Arlington, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-17

Mott, ND

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I reviewed my credit reports for XXXX, XXXX, and XXXX in XX/XX/XXXX and XX/XX/2018 and saw that XXXX XXXX through Diversified Consultants Inc. has a negative mark on all three bureau 's for a debt that is not mine. I disputed the incorrect information and it was removed from all three credit reports within the 30 day dispute time frame, except from XXXX, which took 45 days. I am trying to purchase a home, so I had the banks pull my credit files in mid XX/XX/XXXXand I had no open collections on any of my reports. Today, I went to the bank to sign more loan paperwork and they pulled my credit file to lock in my interest rate and Diversified Consultant 's Inc has re-entered the XXXX XXXX collections account onto my XXXX report without notification as required by law. I was not given any response time or a 5 day warning-the collection date was adjusted and it has resulted in my loan application being kicked back until this is fixed. This is sneaky and harassment and not my debt, yet I feel that I am being forced to pay it. I want this company to stop adding things to my credit report just because they have access to do so.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-17

Glendale, CO

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-17

Norcross, GA

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

2018-04-16

San Gabriel, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Original order for the XXXX XXXX XXXX XXXX XXXX was made XX/XX/XXXX, a shipping notification was sent to meXX/XX/XXXX but I did not receive any package. I found out a week later that XXXX delivered the item ( Tracking # XXXX ) to an access point at XXXX XXXX onXX/XX/XXXX. On XX/XX/XXXX, I picked up the equipment at the XXXX XXXX XXXX. Equipment was not unable to be installed as the apartments wall jack for cable was concealed with paint and can not be fixed. Equipment was then returned to the XXXX store unused on XX/XX/XXXX ( Tracking # XXXX ). I made another phone call to XXXX XXXX XXXX for cancellation confirmation ( Cfm # XXXX ) and dispute past statements. Representative named XXXX confirmed that no payment was needed and it will take 7-10 days to process documentations/letter. I received XXXX XXXX XXXX survey in regards to cancellation request onXX/XX/XXXX but then a letter stating that a final bill was sent with the balance due of {$220.00}. Noticed a collection notification from a company called XXXX on XX/XX/XXXX, I therefore called XXXX XXXX XXXX again XX/XX/XXXX to file another complaint, representative named XXXX advised to wait for final bill as it was never send out and advised me to wait. I never receive a formal final bill but multiple collection notifications from a company called Diversified ( Dated XX/XX/XXXX andXX/XX/XXXX). I checked my credit report and noticed a " collection '' status. I filed a dispute online with Diversified XX/XX/XXXX but did not hear hearing anything nor confirmation email.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-15

Burlington, NC

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

2018-04-14

Bakersfield, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Since XX/XX/XXXX, this phone number that I inherited from my deceased mother in XX/XX/XXXX has been the subject of various collection agencies always seeking someone named " XXXX XXXX '' whom my mother and I never knew, did not know, and believe is someone who used this number as an erroneous contact number. The other debt collectors called and when spoken with, gave up the chase although one did briefly freeze MY bank accounts as a means of forcing me to provide information, which I did not have. They gave up. However, since XX/XX/XXXX, Diversified Consultants out of XXXX XXXX, Florida, have called every weekday, sometimes more than once and when given the opportunity to leave a full name, detailed message, and a legitimate callback number, failed to do so. We monitor our calls so as to avoid excessive telemarketers, which even the Federal Do-Not-Call Registry fails to stop. Had they provided the requested information, I would have either picked up or called them back but they call and hang up or are blocked. When I filed complaints with the Federal Do-Not-Call Registry and the FCC, they changed their phone numbers up but still do not leave the requested information. After a couple of months, I began blocking their calls so they then used numerous other numbers. I researched the numbers online and discovered that they were Diversified Consultants, a company with a notorious reputation for debt collection. Numbers they previously used : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; Numbers they now use : XXXX, XXXX, XXXX, I will not speak to these people as every opportunity they have had to be civil and leave the requested information so I could either speak with them or return their call and tell them my wife and I do not for whom they seek, they never leave the info and just call. My wife and I owe no past debts and the debts we do have, we are paying. I believe these people will not leave messages because they seek to get some victim on the line and then go into bully mode. I will not fall for this type of treatment. Please stop them.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-14

Loyola Beach, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have already handled this through another company through the CFPB and was told that it would be removed completely from my credit report. On XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX XXXX. via the CFPB saying " Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed. '' They responded and sent me a fraud packet to fill out and mail off to XXXX XXXX XXXX which has not yet been responded to ; Specifically they stated " On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) contracted XXXX to collect the unpaid balance of {$1600.00} from XXXX XXXX, XXXX, TX. According to XXXX XXXX XXXX, the account became delinquent XX/XX/XXXX. Ms. XXXX complaint revolves around fraud. Mr. XXXX may visit XXXX XXXX XXXX to obtain XXXX XXXX XXXX fraud process. XXXX has attached XXXX XXXX XXXX fraud packet to this response. XXXX XXXX XXXX provided XXXX with billing statements which has also been attached. '' regarding the fraud packet completion as part of their response. I would like to have this immediately removed from my credit report as it already was ; and I was told this would not be a future issue. Thank you for your assistance with removing this.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-14

Glendale, CO

Incorrect information on your report

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

Account status incorrect
Complaint: In XX/XX/XXXX I was trying to buy a home, I had been monitoring my credit by paying memberships to all three credit bureaus, after monitoring my credit for over a year and paying nearly {$100.00} a month to these agencies and knowing where I stood with my credit scores, I decided to end these memberships, literally days after I had completed this, a debt appeared on my credit report that I hadn't seen before. and the only reason I knew it was there was because I had applied for a home loan and was told my score was at a XXXX which last I checked was at XXXX- XXXX between the 3 bureaus. when I pulled my credit report I found that DIVERSIFIED CONSULTANTS, XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX ( XXXX ) XXXX, had filed on all 3 bureaus stating that I owed a debt to XXXX XXXX for {$75.00}. also stating the account was opened XX/XX/XXXX. I only receive local tv from off-air antenna and have not had any tv services for over 7 years. I have NEVER been contacted in any way shape or form by this company. after numerous phone calls diversified and XXXX XXXX it was established that there was no debt owed and eventually it was removed. unfortunately my credit score did not recover so quickly. now my credit score is barely getting close to where it was before the first false claim, and they have once again submitted their false claim this time for {$65.00} on all 3 bureaus. this is a non existent debt and they are trying to extort money out of me by sabotaging my credit in order to get me to pay for a debt I do not owe. My home can not even receive satellite signal due to line of site issues so there would be no way I would even have able to subscribe to their service in order to owe XXXX XXXX anything. This has to be illegal. I ask that that the CFPB assist me in having this company cease and desist immediately on these false and fraudulent debt. I have done other research and have found that I am not the only one this company has done this to.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-14

Foothill Ranch, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: i have XXXX XXXX/XXXX on my credit report DIVERSIFIED CONSULTA that are not mine
Company Response: Closed with non-monetary relief

Timely Response

2018-04-13

Falmouth Foreside, ME

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: In 2016 I terminated my account with XXXX and paid a fee in excess of {$300.00} dollars for early termination. I asked repeatedly if my account was closed and was told my balance was XXXX and my account was closed. Six weeks later I received a bill for {$130.00} which I called about right away. I forget what they said the charges were for, but its totally bogus. XXXX is a lying thieving company. Anyway, they sent this {$130.00} to collections, and the debt has changed hands a bunch of times. I have been called *at least* three times a day about this erroneous charge for years now. sometimes at XXXX! as late as XXXX! I'm exhausted, but I am so angry about their bogus charging me and then harassing me for years that I simply will not pay. Their product and billing was horrible to begin with and I feel like they're sticking it me for leaving. Please, please make this stop.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-12

KS

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Hello, I received a notification from credit monitoring about a new collections account on XX/XX/2018. It is a Diversified Consultant Inc company name. I never received a Dunning Letter for one. For two I filed a complaint with you folks..reference # XXXX. This number was with XXXX XXXX. This Diversified Consultants is a new company trying to collect on a debt not owed. They took over from XXXX XXXX. My complaint is with Diversified Consultants now. Please see filed complaint number XXXX exact same with Diversified Consultants. Thank you
Company Response: Closed with non-monetary relief

Timely Response

2018-04-12

Palos Park, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I just ordered my credit report and found this Diversified consultants with XXXX XXXX, XXXX and XXXX. I dont owe anything to this company nor any other company theyre saying that I owe.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-12

Georgetown, IN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have called Diversified Consultants to dispute the debt but they refuse to speak with me. They send me around to various employees and are making no effort to resolve issue. I do not owe this debt and they and other collectors have called me for the past 3 to 4 years on this debt. They claim it was a debt incurred in XXXX, CA at a time I was still stationed at XXXX XXXX, Oklahoma.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-12

City Industry, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Its paid in Full {$92.00} attached is the confirmation number
Company Response: Closed with non-monetary relief

Timely Response

2018-04-12

Riverview, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-11

Lk Buena Vis, FL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Diversified Consultants call from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-04-11

Brentwood, TN

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: This company is not operating under the guidelines of the FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter or any communication with them before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company 's business practices as well. Diversified Consultants , inc . VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-11

Belmar, NJ

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 non-monetary relief

Timely Response

2018-04-11

Ocklawaha, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This account was unauthorized.I am a victim of Identity Theft.
Company Response: Closed with non-monetary relief

Timely Response