Diversified Consultants, Inc

2018-04-06

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

2018-04-06

Key Biscayne, FL

Incorrect information on your report

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

Account information incorrect
Complaint: There is an address that does not belong to me, I have never been to or lived there. Please remove from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARIZONA XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-04-06

Countryside, IL

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

2018-04-05

Atl, GA

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

2018-04-05

Macclenny, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Debt collection calls and letters. Debt continues to be sold. Newest company, Diversified Consultants, attempting to collect debt never owed. No delinquent accounts with XXXX XXXX XXXX XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-05

Tulsa, OK

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Diversified Consultants, Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX | Complaint : Diversified Consultants placed a collection debt on my credit report ( s ) during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). A recent review of my major credit reports reveal Diversified Consultants placed a collection debt on my credit report ( s ) regarding XXXX XXXX XXXX XXXX during the debt validation process that was not legally validated pursuant to FDCPA Section 809 ( b ). I have not received any written communication from Diversified Consultants via US Mail regular 1st class mail service, or any certified mail service that my signature guarantees my receipt of debt validation, and debt collector validation. Most important, I have not received the due process of validating the debt, and the debt collector. On XX/XX/XXXX, I, XXXX XXXX XXXX, submitted a consumer dispute regarding the collection debt through the companys corporate website at www.dcicollect.com ( copy of dispute attached ). My dispute outlined the necessary information a debt collector must provide to validate the debt, and to validate the legitimacy of the debt collector. On XX/XX/XXXX, I received an email response from employee XXXX XXXX, Compliance Analyst ( copy of email attached ). The email stated that she would forward the email to the appropriate office ( Copy of email attached ). The email also states that I could receive something in the mail. On XX/XX/XXXX, I received a notice from XXXX XXXX that Diversified Consultants had placed a collection account on my XXXX credit report ( copy of email attached ). Under FDCPA Section 809 ( b ), debt collectors are not allowed to pursue collection activity until the debt is validated. In XXXX XXXX, XXXX XXXX XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. I filed a complaint with the XXXX XXXX XXXX of Florida. The company states they have done no wrong. The company states they mailed validation information XX/XX/XXXX. I did not receive any information in the mail. The company has not provided any proof of mailing from the United States Postal Service such as a " certificate of mailing '', or a " certified mail return receipt ''
Company Response: Closed with non-monetary relief

Timely Response

2018-04-05

Cumming, 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

2018-04-05

Atl, 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

2018-04-05

Hixson, TN

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-04

Memphis, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX allowed multiple simultaneous fraudulent accounts to be opened using my social security number in XXXX. The accounts were opened under different names with different phone numbers and different addresses. The fraudulent XXXX accounts are # XXXX and # XXXX I was never notified of these fraudulent accounts until after the debts had been forwarded to Diversified Consultants who started to attempt to collect the debt by reporting these to the three main credit bureaus. My credit score dropped about 150 points which was the first time I became aware of false reporting on my credit reports for fraudulent accounts. I filed fraudulent account affidavits per the process through XXXX on XX/XX/XXXX. They have not closed the accounts nor stopped collection activities. I spoke with XXXX XXXX on XX/XX/XXXX from XXXX regarding these issues who said that they still required a copy of a police report and would not close these fraudulent accounts. I provided a police report number on the affidavit in addition to the other identification and proof of residency documentation. The affidavit form did not say that a police report was required to close this investigation. They are asking me to take a day off of work to go to XXXX public records to get a copy of a police report for them. I have completed all of the requested steps already to close these accounts. I would like the debt collection records removed from my credit reports by Diversified Consultants. I would like XXXX XXXX to stop collecting these fraudulent debts. I would like letters from both of these companies stating that they have stopped collection activities and removed debt collection records from my credit reports.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-04

Ladson, SC

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-04

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-04

Waxahachie, 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

2018-04-04

Dallas, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I called diversified consultants inc. sometime last month about a collection that appeared on my credit report about an account in the amount of XXXX dollars from XXXX XXXX and have no idea what this is for. The debt collector told me it was not on file and could no find it anywhere. But then tells me that I have another collection from XXXX XXXX that was not yet reported and I disputed that one they sent me pack a letter saying that it was closed and the wont be able to get info need to verify that account. They are attempting to collect debt without following the guidelines from the fdpca and fcra. They dont have verifiable proof that this account belongs to me or an original contract with my signature the account in the amount of XXXX from XXXX XXXX should be removed at once and I didnt even get a chance to dispute this before the place it on my credit report. If it is not removed I will be forced to take litigation against diversified consultants inc. for damages to my credit.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-04

Junction City, KS

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

2018-04-03

NJ

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I received repeated calls trying to reach my partner on my personal phone number, this information was never provided to them. During phone conversation they was insisting that my number was provided to them. I verified with my partner that my number was never provided to them.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-03

Chapel Hill, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a statement that I owe {$55.00}. I am not responsible for this debt. It does not belong to me. I can't find this company as being bonded to collect in the state of Texas.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-03

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Checked my credit report and noticed these negative items with Diversified consultants with no knowledge as to who this company is, this account is labeled closed an has no vlalidity.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-03

Portland, OR

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-03

Brooklyn Center, MN

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

2018-04-02

Reno, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: A year ago I had a friend and her XXXX daughters on my XXXX account. My friend was able to get her own account. Her 3 phone lines and two new phones were supposed to be transferred to her. XXXX transferred the 3 phone lines, but not the phones. I spoke to XXXX quite a few times in XXXX of last year to get the phones transferred. I was then unavailable for the next 8 months. I suspended my account until I returned. When I returned, I was told by XXXX that my account had been cancelled due to a {$1900.00} debt. The debt was the phones my friend purchased. For 4 months I have been trying to get XXXX to transfer the phones to my friend, and remove the debt from my credit report. They have failed to do so. PLEASE, help me with this.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-02

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT : DIVERSIFIED CONSULTANTS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person tha t furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious DIVERSIFIED CONSULTANTS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-04-02

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have disputed this DCI collections account for XXXX XXXX with all 3 CRA 'S multiple times both XXXX & XXXX have both deleted this account because its not mine and data furnished cant provide proper documentaion, it appears to be a blending of files with address or someone of similar name it was initially reported on my Credit reports XX/XX/XXXX XXXX XXXX then reinserted XX/XX/XXXX by DCI collections. I did not live at this address XX/XX/XXXX. XXXX has no record of the XXXX XXXX on my credit file XX/XX/XXXX, however XXXX XXXX does have a record and shows it on past reports, there not a offical CRA they just report what there given by the CRAS. I spoke to XXXX XXXX they confirm this was on my credit account info & lacked alot of information also the XXXX XXXX open date is different from DCI collection open date its possibly been re aged as well. I've spoke to XXXX they can not find this debt with my Soc Sec number or date of birth. I've disputed twice with XXXX it keeps coming back accurate and verified however XXXX & XXXX could not verify debt and have deleted..
Company Response: Closed with non-monetary relief

Timely Response

2018-04-02

GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I moved out of my apartment, cancelled my XXXX XXXX, and paid my XXXX bill in full in XX/XX/XXXX and then AGAIN in XXXX when they hit me with a {$20.00} charge for something. XXXX sold a {$71.00} collection account to diversified consultants in XX/XX/XXXX, a month after I paid my bill in full. No attempt to contact me about it, my bill online said {$0.00} was owed. I called XXXX sometime in XXXX. They apologized, told me the debt was incorrect, and they would get it off my credit report ( said they made a note of it in their system ). I called again yesterday XX/XX/XXXX. They told me to call the debt collection agency to get it off my report. Why would I call the debt collection agency?? XXXX sold them the debt, XXXX needs to give them their money back so they can take it off my report!
Company Response: Closed with non-monetary relief

Timely Response

2018-04-02

Vallejo, CA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with non-monetary relief

Timely Response