Diversified Consultants, Inc

2018-02-13

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX XXXX is collecting debt and have put a ding in my credit score. The terms are incorrect, there is no debt to begin with, there shouldn't be any debt collection. XXXX XXXX would not remove the debt from the credit report. The Original debt is from XXXX and have verified with XXXX there is no debt ( see attachment ). As a XXXX XXXX, a phone line is $ XXXX month
Company Response: Closed with non-monetary relief

Timely Response

2018-02-13

Atlanta, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I disputed this debt with Diversified Consultants with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Diversified Consultants received the certified letter on XX/XX/XXXX and has yet to respond to my request. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-13

Hollywood, FL

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

2018-02-13

Arlington, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-02-13

Littleton, CO

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2018-02-12

Chula Vista, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Company reported to my credit report before notifying me of the existence of this debt. I went to pull my credit report in XX/XX/XXXX and find this negative reporting item that I didn't know existed. Original Creditor is XXXX XXXX. I didn't know I owed a final bill and thought this was paid off and taken care of before I moved to my next address. OC never notified me of this debt and credit reporting company Diversified Consultants never reached out. I still haven't received a final bill. I called OC to verify the debt that was on my credit report, and they did an escalation in XX/XX/XXXX to see if this debt was legit before I would called the credit collection company. They verified it existed in XX/XX/XXXX. I tried to call diversified once, they said they wouldn't delete it from my credit report as a pay to delete although the circumstances, because their company policy states they do not delete any debt. This makes no sense, they reported this debt without notifiying me of its existence, and now expect me to pay it without them doing a pay to delete. I am not arguing the existence of this debt after talking with XXXX, I am arguing the fact that I was never notified of its existence, and I want it off my credit report, because if I knew about it, I would have paid it to prevent even going to this level. I called again on XX/XX/XXXX at XXXX XXXX to verify if this was still their stance. Even after hearing the story and getting management ( XXXX XXXX ) involvement, they are still unable to produce a pay to delete. In my experience, the debt MUST be notified to the consumer and then reported. I still have not received the bill that this company has this debt, they haven't even verified my address even after I told them that I never received any information regarding a debt. They will only take payment and not get this account deleted. I understand company policies, there needs to be exceptions for the people who actually are unaware of these debts. This is a {$350.00} collection that I would have immediately paid if I knew about it and I want it deleted from my record and I want to pay it for the deletion from my credit. When somebody is trying to pay their debt IN FULL, and lets you know of the circumstances revolving its existence, there needs to be someone that has the power to override a policy that is put in place to keep things reported for people trying to escape or not pay a debt.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-12

N Scranton, PA

Communication tactics

Debt collection: I do not know

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

Timely Response

2018-02-12

Bedford, TX

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Complaint: On XX/XX/XXXX I wrote diversified consultants asking for proof of a contact signed or anything with my signature agreeing gon na be a contract with XXXX they have been reporting false information on my report never have I had XXXX on XX/XX/XXXX I received a package of bills from diversified showing XXXX bills with my name but not my address or phone number
Company Response: Closed with non-monetary relief

Timely Response

2018-02-12

Elmwood Park, IL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This Diversified consultants is calling nonstop harassing me 3-4 times a day- I have clearly stated to them I am searching for solutions for a bankruptcy and to please stop calling and after that it has gone crazy nonstop calling at home number cell number at all times of the day. I am going crazy I am stressed and can not sleep at night I am sick over this. This is not normal collection practices
Company Response: Closed with non-monetary relief

Timely Response

2018-02-12

Baton Rouge, LA

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

2018-02-11

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company called diversified consultants inc is a collection company that put a derogatory account on my credit report without contacting me first and giving me 30 days to contest the debt as per the fair credit reporting act, the failure to contact me means this company acted in bad faith and used bullying tactics against me, the total of the said account is {$570.00} from I believe original creditor XXXX, now they must send an agreement because this company XXXX been claiming I owe a lot of things and they are unfounded, I need them to get these things away from my name and those addresses of services are not associated with me ... Ive lived at the same address since 2001, and its not the address they have ....
Company Response: Closed with non-monetary relief

Timely Response

2018-02-11

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I contacted this company and ask them for proper verification of two accounts on my credit profile one with a balance of $ {$430.00} and one with a balance of {$1000.00} ; this company never sent me a letter and asked me to verify that this debt belongs to me instead they sent me a letter stating that the original creditors verified to them that the name and address is correct, as per the fair credit reporting act section 609 proper proof is hereby requested in the form of the original agreement bearing my signature and Ive yet to receive it ... none of the two balances in the possession of this company belongs to me its been over 60 days since I contacted these collectors,
Company Response: Closed with non-monetary relief

Timely Response

2018-02-10

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: A XXXX XXXX account was opened in my name that I did not open. I received a letter in the mail from Diversified Consultants who is the debt collector in the matter on XX/XX/XXXX. The letter states I owed XXXX XXXX {$1200.00} for services I did not purchase. I proceeded to call the collections company who said I have to file a police report. I filed a police report on XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-09

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company has an account listed on my credit report, not once but TWICE for the same amount. I've had an account in good standing with XXXX for YEARS. I just recently closed my XXXX account and went to a prepaid service, in XX/XX/XXXX. Meanwhile, this fraudulent company has a XXXX account listed for {$1100.00} twice on my credit report. I've already sent in a letter and proof that this is not my account. I have not heard back and this is hindering my credit report. One account was last reported on last reported XX/XX/XXXX and the other on XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-08

GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX ( XXXX ) charged me on my account in error of {$170.00} and employed Diversified Consultant a third party collection agency to retained monies not was not owed. The account was put on my credit reports, which was incorrect. XXXX XXXX, XXXX XXXX XXXX Office of President have submitted several request to have the account removed from my credit reports. Additionally, A refund was sent to me regarding my account and other fees. On XX/XX/, I faxed an official letter for XXXX XXXX XXXX and email correspondence as supporting evidence. On XX/XX/, I called Diversified Consultant to get the account removed and was met with opposition from one of their reps. She admittedly stated that understand that the account was in error and of " NO '' of mine, they would not remove the account.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-08

Brooklyn, NY

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-02-08

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was a XXXX customer using their data service all of XXXX with no issues of payments at all, my bill was about $ XXXX I finished my relationship with them, both sides had satisfaction as nothing was owed. I completed my last payment in XXXX and moved to phone carrier XXXX. But recently I missed a few good benefits being a XXXX customer so I decided I'd switch back, this is when the problem was brought up. I entered a XXXX store sometime in XX/XX/XXXX for them to tell me they couldn't service me until a debt owed to a collection company was paid which happened to be Diversified consultants inc. I asked them how was that possible when I paid all of my months of phone service, never late, no issues or anything and the clerks in the store could not tell me how as they said my past account was handled by a different company who they no longer do business with and they had closed my account and sold it off to diversified as charge off debt. So XXXX even though they were the original creditors, could not verify or explain this random debt, only gave me info to contact diversified in which I did, when I did they asked me several different personal questions to they had everything about me except my physical i.d lol and they just said they'd send some account info through mail. I received their mail and it is very vague, no explanation of debt what so ever. It only shows a few different lines and a few different numbers, and random dates. It goes from a balance due being {$150.00} to {$230.00} to {$290.00} to now {$290.00}. This company has literally claimed a XXXX XXXX customer to be delinquent and created their own timeline and numbers then received a call from me because I caught onto the fraudulent act, only to ask me a series of personal questions so they could secure enough up to date personal info on me to place a debt on my credit report. Well I happen to have excellent credit and I have 5years history of onetime payments and no negative activity what so ever. The debt they seek of me is puny in regards to my funds in my bank account and credit card limits but its the injustice of it all, it's the principal, I will not let allow some scam company to bully me into giving them money I don't owe them. Failure on their behalf to provide a copy of any alleged original contract or other instrument bearing my signature with the particular debt in question of fraud, will result in a small claims action against their company. I will be seeking $ 5,000+ in damages for the following : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Credit Reporting Act
Company Response: Closed with non-monetary relief

Timely Response

2018-02-08

Ormond Beach, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: diversified consultants a collection company, placed a XXXX XXXX XXXX collection in the amount of {$3700.00} to all 3 credit bureaus that does not belong to me. this collection was removed previously by all 3 credit bureaus when diversified consultants did not have proof that this collection was mine. on XXXX, XXXX 2018 they placed the same collection back on all 3 credit bureaus, damaging my credit. this illegal collection needs to be removed immiedatly from all my credit bureaus.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-08

Del Sur, CA

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

2018-02-08

Key Biscayne, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Last year I moved out of XXXX XXXX XXXX to XXXX, after being with XXXX XXXX XXXX for several years. I ported 5 out of the 6 numbers I had with XXXX XXXX XXXX, and I gave instructions to cancel the 6th line. To cancel the 6th line and port the other 5 lines I had to pay a balance for phone equipment financing and service charges, which I did, cant remember the exact amount but it was in and around {$1500.00}. A couple of months or so later XXXX XXXX XXXX called me to collect the service fee for usage on the 6th line. Two problems : 1. When I ported the 5 numbers I gave instructions to CANCEL the 6th line. 2. Even XXXX XXXX XXXX agrees that there was ZERO activities in voice and data on the 6th line since I cancel the number. They said that somehow the number wasnt canceled and I had to pay the charges until that day. It is not my fault they didnt cancel, I can not go inside their system and cancel it myself. I used to pay around {$400.00} for 6 lines and now they are trying to charge me {$390.00} for 1 line? This is a ripoff. They have all those notes on their system because a couple of weeks later they called me again and the representative read back to me all the notes that match the facts. They sent it to collection. When I got a call from collection I told them exactly what happened, but they didnt care about accuracy or fairness, all they wanted was to collect, so I suggested them to sue me in court. Yesterday XXXX XXXX XXXX call my daughter and told her about the debit and the amount. Is it legal? This morning he called my wife and told her that the debit is not YET in my credit report, however if I dont pay .... Is it legal? It is not about the money, its about principles. I do no owe this debit, I wont pay until until a judge says so based on the facts, not on brute force. Is there a way I could escrow this amount in court to show I dont have a financial problem but a moral one?
Company Response: Closed with non-monetary relief

Timely Response

2018-02-08

Sugar Land, TX

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

2018-02-07

Five Points, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Diversified consultants Inc, placed a collections account on my credit from XXXX michigan when i live in XXXX NC. The origional creditor is XXXX The date of the account is XX/XX/XXXX. The amount is {$350.00}. I informed diversified consultants that i do not live in michigan i live in NC. The name on the account is mispelled. I requested original contract with a signature so that it can easily verified as fraudulent. I have sent them a copy of my ss card as well as ID with my signatures on it to compare. They still allow this fraudulent account on my credit report knowingly attempting to collect an account that is not mine. They have yet to produce any documentation af5er receiving 3 debt validation letters from me. First letter sent certified maiXX/XX/XXXXXX/XX/XXXX Second letter sent XX/XX/XXXX Third letter sent XX/XX/XXXX. This is a fraudulent account damaging my credit!
Company Response: Closed with non-monetary relief

Timely Response

2018-02-07

Charlotte, NC

Took or threatened to take negative or legal action

Debt collection: Other debt

Sued you without properly notifying you of lawsuit
Company Response: Closed with non-monetary relief

Timely Response

2018-02-07

City Of Sunrise, FL

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

2018-02-07

Clayton, MO

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Company Response: Closed with non-monetary relief

Timely Response