Diversified Consultants, Inc

2018-03-02

Detroit, MI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2018, a letter was sent to Diversified Consultants via certified mail asking for validation of a debt they are reporting on my credit report. It has been over the 30 day request for this information and they have yet to respond. I am requesting that this negative information be deleted from my credit report as they have failed to provide this information and it is harming my score.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-02

Powder Spgs, GA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-02

Killeen, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-02

Little Rock, AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I contacted DCI on XX/XX/XXXX and XX/XX/XXXX requesting that the company send me a validation of this debt. They proceeded with providing a bill from XXXX but it was not the original legal bind contract bearing my signature that this debt is mine which is what I requested. I am disputing this because I have no knowledge of this account, and I would like to this be removed from my credit because it is affecting my majorly. I have asked the company to please remove if they can not provide evidence of my ownership, but they continue to report.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-01

Newport News, VA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-01

Hartsville, PA

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

2018-03-01

Belmont, 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

2018-03-01

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-01

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had outstanding charges from XXXX for an unreturned cable box. That account is now in collections and shows on my credit report although I returned the cable box. I am requesting that the items from XXXX be removed from my credit report as they are not valid.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-28

Woodland, WA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Hello, I would like to file a complaint against Diversified Consultants. They have called and spoken to my husband and myself multiple times per day this week ( at least 5 ). They called last night and lied to my husband saying that they had already spoken to me ( which they did not ). They called me today and said that my husband agreed to pay last night but they needed to talk to me for payment ( he never agreed to pay, nor did I ). She also got very belligerent, yelling at me and continued to lie to me about their conversation last night ( which I Was present for ). I told her that they need to stop calling me and my husband and they need to talk to my attorney, she hung up on me then promptly called my husband to attempt to collect from him again.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-28

Turners Sta, KY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I discovered a {$3800.00} past due notice from XXXX against me with a collection agency. Having always maintained an 800+ credit score, this was noticed immediately. I called the agency who took my information and sympathized then immediately sent me an invoice for the debt. I then filed a police report and sent it along with a letter of explanation to the collection agency, XXXX, XXXX XXXX, XXXX, XXXX. Not once, but twice. Today I received letters from XXXX and XXXX who stated they received confirmation that this debt was mine. What?! On each of the credit bureau forms, it lists prior addresses. I pointed out that all on my list are correct except for the address in Michigan ( where I have never been nor lived ). I told them that is where the 4 brand new iphones must have been delivered and to please follow up. I also asked XXXX to confirm where they were shipped. NO ONE would even look at it. All of them say it is my debt. Now, if you look at my pathetic 3 year old XXXX XXXX, you will realize I did NOT purchase any XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-28

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: this is the 2nd attempt to resolve this matter in relation to a XXXX account that was started in my name. in my previous complaint i have REQUESTED that XXXX or diversified consultants to send me ALL proof of this account when it was started, how it was started, and a copy of the drivers license, or signature that they had on file when the account was started. i have asked numerous times to VALIDATE that this account was truly set up by me or if this account was even started at all. i have been in compliance and mailed my fraud affidavit in XX/XX/2017 along with my drivers license that showed the date of issuance for XXXX fl at the address XXXX XXXX XXXX XXXX XXXX XXXX fl, along with a savings account bank statement dating the specified times requested. and police report for a miscellaneous crime to XXXX fraud department and have not heard from ANYONE. i am getting weary and do not feel like i have to keep trying to prove that i did not set up nor use said account. so this is my 3rd attempt to ask XXXX or diversified consultants to send me PROOF that it was indeed my account and that I AM REQUESTING the store location as to where this was started and the sales member to be identified who allowed someone to start an account in my name without me being there. the name on the account is XXXX XXXX that alone should suffice that you have the wrong XXXX. my name is XXXX XXXX. XXXX i have never had my name changed to anything else. as stated above i need ALL documents in relation to this account especially how it was started and what verification XXXX went through to make sure that it was indeed I XXXX XXXX that was starting services. if the two company 's can not provide these requested documents then you MUST report to all bureaus for deletion for reasons of no validation. thank you.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-28

Sacramento, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: So I had XXXX internet for about one year and 4 months when I decided to cancel my two year term. They said it there will be a fee for cancelling since I'm in a 2 year term. So they gave me the option to suspend my acct meaning it will be temporally be disconnected for the remaining 8 month for a fee of {$7.00} each month with a automatic closure after 8 months that way I don't get charged a fee for closing my account before the term was up. After my 8 months was. Account fully closed. Out if nowhere I get a huge bill. Very unhappy with this bill. I have been working really hard in repairing my credit but it's so hard with this unaffordable bill. If I had money I would of just paid it just get it over with. So I heard maybe this website will be able to help me with this. Thank you for the time.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-28

Pikeville, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XXXX XXXX, 2018 I sent Diversified Consultants, INC a debt validation letter by certified mail asking them to provide me with the following ... - Agreement with your client that grants you the authority to collect on this alleged debt. - Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. - Any insurance claims been made by any creditor regarding this account. - Any Judgments obtained by any creditor regarding this account. - Name and address of alleged creditor. - Name on file of alleged debtor. - Alleged account number. - Address on file for alleged debtor. - Amount of alleged debt. - Date this alleged debt became payable. - Date of original charge off or delinquency. - Verification that this debt was assigned or sold to collector. - Complete accounting of alleged debt. - Commission for debt collector if collection efforts are successful. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. Diversified Consultants, INC has failed to validate this debt as they only sent a copy of a bill which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly validated because a billing statement does not properly validate the debt and I urge you to remove this item before I am forced to take legal action.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-27

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-02-27

Ridley Park, PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have received over 23 calls from diversified consultants ( XXXX ) for a debt owed by a XXXX XXXX over the past two years. I have told them I am not him nor have I ever heard of them. When I tell them this they either become argumentative or abusive with foul language. I have asked them to stop calling which they never do.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-26

Strasburg, VA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I summer 2017 I had 2 accounts with XXXX. One in XXXX and one in XXXX. In XXXX, I rented out the house in Arkansas and cancelled internet/cable service. The final bill was XXXX which I paid via a phone call XX/XX/XXXX. In XXXX, I received notice from Diversified Consultants that the account had been turned over to them for collection. Knowing that I had paid the bill, they discovered that it had been credited to the wrong account ( XXXX ). This was on or about XX/XX/XXXX. The customer service representative took additional payment information to make account current and said that collection agency would be notified. I did not hear anything else until I was alerted to negative information on credit report. At that time, I filed protest with Diversified consultants and contacted XXXX and again made payment. They said that they would send a letter stating that the account had been paid but I contend that it was turned over to collection in error since I had paid the balance due on the account on XX/XX/XXXX. Refer to attached bank statement. I have requested that XXXX send a letter stating that account was turned over to collection in error and therefore negative information on credit report should be removed. A letter stating that the account is now paid in full is not sufficient but that is all that they are willing to do.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-26

Irving, TX

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

2018-02-26

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Diversified Consultants Inc Account # XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed {$950.00} I have no knowledge of this debt and would like it removed from my credit file as soon as possible.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-26

Wesley Chapel, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-02-26

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I had a previous complaint with Diversified Consultants Inc ( XXXX ) which the findings from that complaint explained that they sent me an initial balance letter on XX/XX/2017. I did not request a balance letter, I requested a validation letter bearing my signature which they never provided. In that same complaint, they stated that they requested validation from XXXX and that XXXX would mail me a validation letter. I never received a debt validation letter from XXXX with something bearing my signature that said I am responsible for a debt. Furthermore, DCI is the company who is listed on my credit reports so they are solely responsible for sending me a validation with a contract I signed bearing my signature, not XXXX. Furthermore, after doing some additional research, I found out that DCI ( Diversified Consultants ) is not even licensed to collect in my state ( IL ) according to our Illinois state records so they should not be reporting anything to the credit bureaus in regard to me anyway! I would like all collection efforts to cease and as my initial validation request stated, I'd like them completely removed from all credit reporting agencies ASAP!
Company Response: Closed with non-monetary relief

Timely Response

2018-02-26

Belle Haven, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( on XX/XX/XXXX and second on XX/XX/XXXX ) to DIVERSIFIED CONSULTANTS and requested they only contact me by mail. There has been no response from the debt buyer. This account was not opened by me, and I have not resided at the address of the account for three years. The account belongs to the current resident, who has since called and paid the outstanding amount. I informed XXXX, the original creditor who informed me my information would be removed from this account and the current resident would be added but I have yet to see resolution. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by DIVERSIFIED CONSULTANTS regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated
Company Response: Closed with non-monetary relief

Timely Response

2018-02-25

Cheshire, OR

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I receive calls from this company every non-holiday day during the week, sometime multiple times. They use several different number from the XXXX area-code and never leave a message when calling. I have called before, twice, and asked Diversified consultants to stop calling me. The last time I called I was told, " You owe us money and we have every right to collect. ''
Company Response: Closed with non-monetary relief

Timely Response

2018-02-25

Gretna, LA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Just as of last week I was interested in checking my credit score. So I went to XXXX and I saw that I had 1 derogatory mark on my credit report. I noticed that it was XXXX. I was a XXXX customer over two plus years ago, I had a two year contract. I had a monthly phone bill that I paid every month on time until I fell into a financial hardship at the end of my two year contract that caused me to miss and not pay, from what I can remember which was my last two phone bills. I was unaware of my remaining balance that I owed XXXX for my last two missed monthly payments. I never received a bill in the mail and I never received an email because I opted out of paperless mail. XXXX sent my last two payments I missed to a collection agency for the purpose of collection. I never received a bill in the mail for the balance that I owed on my XXXX account. I'm actually glad I checked my credit score because I would have never noticed that I still owed XXXX. I would like to become a XXXX customer again very soon because XXXX has a certain phone that I'm interested in buying soon and no other carrier has that phone available. In order for me to become a XXXX customer again I need to pay my remaining balance off.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-25

Christmas Vly, OR

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I received a notice from Diversified Consultants, Inc dated XX/XX/XXXX ( received XX/XX/XXXX ) for a debt from a bank I don't owe money to. The amount they claim I owe is {$12000.00}. The letter listed XXXX XXXX XXXX AND as the original creditor but xxxx the account number. Besides the fact I don't have personnel accounts with XXXX XXXX, what tipped me off to the false nature of this debt, it that my credit was pulled on XX/XX/XXXX and there is no debt for XXXXXXXX XXXX and non of my previous debts amount to {$12000.00}. I immediately began searching the validity of this Diversified Consultants, Inc and found numerous complaints about there shady practicing. Additionally, I've received local calls that do not leave messages. Strangeness.
Company Response: Closed with non-monetary relief

Timely Response