Diversified Consultants, Inc

2017-11-29

Williamston, MI

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

2017-11-29

Farmingtn Hls, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with non-monetary relief

Timely Response

2017-11-28

Ashville, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: There is a company out of Florida called Diversified Consultants who continue to ruin my credit on a debt that is n't mine..There have been letters sent on my behalf disputing this debt but this company refused to report correct information to the credit bureas.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-28

Phoenix, AZ

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

2017-11-28

Country Club Hills, MO

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

2017-11-27

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I closed a XXXX account out in XX/XX/XXXX. I went returned the phone and paid my last bill. in XX/XX/XXXX 2 years later DIVERSIFIED CONSULTANTS broke several laws in attempting to " refresh '' a debt. without following the FCRA law. I have attached a copy of the violation. its is section 605 of the FCRA. In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. In addition, diversified C failed to adhere to FCRA LAW which states that the collection agency must, 30 days before reporting to the reporting agencies send me the information in writing. I spoke to them, they claimed not to have my current address, i know this not to be the case. With out my consent they procured a copy of my credit report, yet another law violation.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-27

Burke, VA

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Company Response: Closed with non-monetary relief

Timely Response

2017-11-27

Brea, CA

False statements or representation

Debt collection: Other debt

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

Timely Response

2017-11-27

Philadelphia, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: This account was removed from my credit report for false information being provided and this information was sold to another company.
Company Response: Closed with explanation

Timely Response

2017-11-27

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX closed my business cell phone account & released a letter, XXXX-16, that my balance on such account was {$0.00}, They then turned my account over to a collection agency, XXXX XXXX XXXX, for {$310.00}. I contacted them and told them i did not owe this. Now I am getting bills for {$310.00} from another collection agency, Diversified Consultants. I called them but they hung up on me. This last one has now gotten private information from some data base and is calling my son who has no relation to this problem at all. He has not lived at my address for 20+ yrs. They have invaded my and his privacy. I need help and will have to get an attorney if this is not cleared up. XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2017-11-27

Houston, TX

Incorrect information on your report

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

Account information incorrect
Complaint: Earlier this summer of 2017, XXXX ( an agent located in call center Colorado ) and I agreed on a final balance due XXXX of {$46.00} after a discontinuance of the internet service ; however, XXXX continually sent me an incorrect balance, a larger-billed amount of {$56.00}. XXXX then decided to send my closed account to a collection agency named Diversified Consultants , Inc., who now reported the wrong amount and info on my credit files with all three major reporting agencies that negatively affecting my FICO scores unfairly. I have requested that XXXX & Diversified Consultants do promptly research and correct the balance as previously agreed, as I 'm more than ready to make a payment to XXXX or Diversified Consultants for {$46.00} as previously agreed. Subsequently, I request for written assurance that collection remarks which wrongly affect my credit score with all reporting agencies to be promptly removed. Thank you for cooperation from all involved parties
Company Response: Closed with non-monetary relief

Timely Response

2017-11-27

Stevenson, MD

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Complaint: I applied for a phone with XXXX XXXX on XX/XX/XXXX following a promotional offer advertised on the television.According to the offer l was told that I could have a 2 weeks trial period during which I will not be penalized for the use if I returned the phone back.After 3 days and only one phone call to XXXX XXXX lasting about 3 minutes, l returned the phone back on XX/XX/XXXX because my family did n't like the offer.I was refunded back to me about {$50.00} out of {$68.00} that l paid for the deposit for the phone.Now I am being asked to pay {$260.00} for the phone line that I never used after the cancellation of the phone line and the phone returned back.My name has been submitted to the 3 credit bureaus for collection after I have attempted to resolve the issue.I am a senior citizen and l find this practice to be deceptive and a means to obtain money with intent to defraud consumer s.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-26

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

2017-11-24

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The XXXX account was deleted from my credit on XX/XX/XXXX2016 after I initiated a dispute for the account. Now after reviewing my credit file I noticed it was placed back on my credit and I received no communication of this. This is a violation of my FCRA rights and I would like this removed because this has caused damage to my credit score twice now since it has been re-inserted without any notification in doing so.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-22

Jupiter, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me. Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP. The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never happened!
Company Response: Closed with non-monetary relief

Timely Response

2017-11-22

Key Biscayne, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: My credit report shows a non existing pending balance with XXXX XXXX XXXX with Diversified Consultants acting as a debt collector. There has never been a pending balance between myself and the original creditor. I 've sent various emails ( including evidence from XXXX showing a balance of XXXX dollars ) and make several phone calls with no response
Company Response: Closed with non-monetary relief

Timely Response

2017-11-21

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Diversified consultants, Inc has attempted to collect from me debt that I do not owe XXXX. Succinctly, I had XXXX services for about two years beginning XXXX of XXXX until XXXX of the following year XXXX. I requested to temporarily suspend my service due to my many travels and not being able to enjoy the services that I paid for. XXXX respectfully agrees to this request. However, on my return from my trip abroad, i received three months bills from XXXX that I owed them. I informed XXXX that this is in no way possible for me owed them since my service have been suspended at least, temporarily while i was away. In responding, XXXX informed me that their system automatically turned my services on and that they would relinquished the amount owed. All said and done, I, knowing that I wont be around often due to work and other busy schedule, decided to terminate my service. Now, XXXX is charging me cancellation fees. Please note ; I do not have contract with XXXX at the time of requesting the service thru XXXX as cinfirmed by XXXX. I am perplexed as to why I have been dubiously held responsible for money I do not owed them. This is a fraudulent attempt by XXXX to collaborate with diversified consultants to extract money from me.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-21

NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: There is a debt on my credit report that I know for a fact is not mine and I was in the process of disputing. But because I am going for a mortgage, it can not be in dispute. Therefore, I have contacted Diversified Consultants several times to get it removed out of the dispute and update my credit report to remove the account in dispute status. I spoke with a representative called XXXX XXXX and he said the only way that he will remove the account out of dispute is if I pay the account. Now this is a violation of the Fair Debt Collection Practices Act and I know is not right. Something needs to be done about this.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-21

North Hollywood, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This morning, XXXX XXXX XXXX, I received a notice that my credit was lowered due to an outstanding debt. That was strange because I have been diligently paying all bills. On XXXX, I see this erroneous debt of {$200.00} being collected by " DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX '' dating on to XXXX XXXX, XXXX on behalf of XXXX XXXX However, all of my bills for XXXX have been paid on time and in full. I contacted XXXX XXXX XXXX to make sure I have no late payment. I have 0 $ balance, my account is in good standing. I checked my XXXX billing statement and I have a payment confirmation for XXXX See attached document. Needless to say I was never contacted by " DIVERSIFIED CONSULTANT '' by phone or mail regarding this debt. I am currently applying for a US Gov't Clearance. This report will negatively effect my Clearance and employment status. I will pursue criminal charges against " DIVERSIFIED CONSULTANT '' to the fullest extent of the law. There are many matching complaints online from others victimized by this company. Thank you for removing this false claim immediately. Best regards, XXXX
Company Response: Closed with non-monetary relief

Timely Response

2017-11-20

Fresno, CA

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: upon terminating my account before relocation XX/XX/XXXX, I entered into a early termination agreement with XXXX to pay {$20.00} per mo. until balance of {$330.00} was paid in full. I have honored that agreement with payment receipts up to XX/XX/XXXX ( please see attached XXXX 's payment record ) The remaining {$110.00} I mailed to XXXX XX/XX/XXXX in the exact same way as I had the many payments before. In the form of a money order, the exact same address as before. ( please see attached money order copy for {$110.00} ) On XX/XX/XXXX my credit report shows this {$110.00} listed as in collection. ( please see attached, my letter to XXXX dated XX/XX/XXXX making them aware of there violation of my rights under the Fair Debt Practices laws ) XXXX & Diversified Consultants , Inc . Response : ( please see attached letters dated XX/XX/XXXX & XX/XX/XXXX ) XXXX says they had not received my payment, and advises me to contact the money order company to see if money order had been cashed. ( please see attached XXXX letter dated XX/XX/XXXX & money order copy ) Diversified Consultants, Inc. letter confirms the debt I owe. ( please see attached letter dated XX/XX/XXXX ) The violation is that this letter of first communication is four months late. Therefore denying me the right to dispute the debt if I owed it, under fair debt protection law. Please note that XXXX 's own payment record shows that I was payment current as of XX/XX/XXXX ( please see attached XXXX payment history record ) This shows there was no reason to report collection on my credit report. Because the grace period between payments had not expired. Record shows first report to my credit report was XX/XX/XXXX. ( please see attached letter dated XX/XX/XXXX making XXXX aware of the violation of my rights ) XXXX has yet to respond to this letter dated XX/XX/XXXX where I 'm still trying to settle this matter. I tell them that I took them advice and contacted the money order company, and found that the money order had not been cashed. and explained that XXXX XXXX money order refund would take up to 45 days. and as my letter goes on to say. I would send another {$110.00} to XXXX in return they remove the collection from my credit report that according to evidence should not have been placed there anyway. Know response from XXXX as of present, but I have received refund from XXXX XXXX less {$18.00} fee for refund. ( please see copy attached ) Please investigate and have removed from my credit report. Thank you for your time in this matter. for it appears they are parking the debt on my credit report.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-20

Northridge, CA

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

2017-11-20

Medina, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified consultants inc has made contact with me again attempting to collect a deb that I have no idea about and do not owe. They have XXXX XXXX XXXX as the creditor they are collecting for and I currently have no past due debts with XXXX XXXX XXXX and all old accounts with them have been paid. I previously had this issue with diversified and they sent a letter stating that they were collecting in error and would cease all contact and remove all listings they may have entered from the credit reporting agencies.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-20

CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Sometime during mid XX/XX/XXXX I was checking my credit score on XXXX XXXX when I noticed that both XXXX and XXXX both showed one ( 1 ) derogatory remark. When I looked both showed I was in collections for XXXX XXXX for {$110.00} by a company Diversified Consultants, XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. I assume this is also on the third credit reporting company as well. I found this odd seeing I have not had XXXX XXXX since XX/XX/XXXX. I know because that was when I moved and never used XXXX XXXX since. The service was ended on XX/XX/XXXX and I owned my equipment. Nothing was owed. I used the address provided on XXXX XXXX and sent a letter to validate the debt but never received anything. On the credit reports for both XXXX and XXXX they both showed that a account was opened on XX/XX/XXXX. What account? I did not open an account. I believe this Diversified Consultants are in violation of the Fair Credit Reporting Act. First they reported to the credit reporting companies that I opened an account with them on XX/XX/XXXX, which I did not. I believe they are re-aging non existing debt to appear that I opened an account with them. Second even if I owed anyone any debt, which I do n't, what they are claiming is past the State of Colorado 's Statute of Limitations for Debt which is six years for all debt. I checked today on XXXX XXXX and this was still there prompting me to file this complaint. I will also file a complaint with the Colorado Attorney Generals Office.
Company Response: Closed with explanation

Timely Response

2017-11-20

Tampa, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX XXXX claimed I own the debt of {$1700.00} to it. I have reason to believe I do not owe this debt because the debt is not valid since XXXX XXXX violated my consumer right of being informed pursuant to Consumer Bill of Rights. XXXX XXXX did not give me the facts to let me make an informed choice when XXXX XXXX changed my plan from {$49.00} monthly charge of unlimited monthly kilobyte to the new XXXX Plan XXXX XXXX. The charge of {$1500.00} that would incur from switching to the new plan at the beginning of the current billing period was not disclosed to me when I was offered the options of switching to the new plan either at the beginning of the current billing period or at the current date during the transaction with XXXX XXXX. Therefore XXXX XXXX has failed to inform me critical information when I was making the purchase decision, and violated my consumer right of being informed.
Company Response: Closed with non-monetary relief

Timely Response

2017-11-20

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response