Diversified Consultants, Inc

2017-10-24

Pikeville, NC

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: In XX/XX/XXXX I sent a certified letter to Diversified Collection in reference to them validating a debt. In this letter i asked for the the items that FCRA considers to be valid vaerication of this debt. In XX/XX/XXXX I received a letter from XXXX XXXX staying that they have spoke with XXXX and verified the amount owed. They also include a billing statement of the amount Im suppose to owe. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 this is not a valid way to verify a debt. Under FCRA, 15 U.S.C. 1681 debt validation must include After receiving this letter, I sent another letter certified mail in XX/XX/XXXX. This letter stated that Under the FCRA, 15 U.S.C. 1681 a billing statement is not a Valid way of validating a debt. On XX/XX/XXXX I received a letter from XXXX XXXX with the exact same letter and the exact same billing statement as the letter I received before. By this company refusing to correctly validate this debt, along with continued collection attempts on this debt, and failure to remove this debt from my credit report they have violated my right under FCRA, 15 U.S.C. 1681. It has been more that 30 days since I asked for validation of this debt and Im seeking your help in forcing them to remove this items as required by this act.
Company Response: Closed with explanation

Timely Response

2017-10-24

Euclid, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/XXXX I faxed a cease and desist letter to Diversified Consultants @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against Diversified Consultants. I requested that Diversified Consultant send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from Diversified Consultants and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. I need signed documentation with my signature on it.
Company Response: Closed with explanation

Timely Response

2017-10-23

MN

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: In XXXX or early XXXX I began receiving collection calls from XXXX XXXX on my cell phone number trying to collect some undisclosed amount of money from a customer named ( or similar to ) XXXX XXXX ( sp? ). At the time of recieving the calls I informed them that no one by that name was at this number, nor had been at this number for the 12 years that I owned this number. The calls continued. After several more calls I called XXXX XXXX and spoke to a " manager '' who assured me the number would be removed fromthe accouint. The collection calls continued and I actually changed my voicemail greeting to REMIND XXXX that XXXX XXXX had never been at this number and to stop calling. In XXXX of XXXX I contacted the XXXX XXXX XXXX who opened dialog with XXXX XXXX. After filing this complaint I received a call from XXXX XXXX XXXX ofice who assured me that I would receive no further calls on this matter and that references to my number would be removed from the file. I thought at that time that the matter was resolved and for almost two years that seemed to be the case. However, on XXXX XXXX I AGAIN began receiving calls from " Diversified Consultants '' a contracted debt collector for XXXX XXXX, AGAIN trying to collect on this debt from XXXX XXXX ( sp? ) This is NOT a debt I owe. XXXX XXXX has never been at this number AND XXXX XXXX has been made aware of this repeatedly. I can not possibly provide them ANY infomation about XXXX XXXX since I have NO CLUE AS TO WHO HE IS. XXXX XXXX has already acknowledged my previous complaint and promised to stop harassing me to collect a debt that I have no responsibility for, however this harassment is now recurring.
Company Response: Closed with explanation

Timely Response

2017-10-23

Atl, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Phone number XXXX has called my phone repeatedly and asked for a specific person. They will not identify who they are, their company name, what the call is in reference to ; they only state, " this is an important business matter ''. I called the number back and the recording says " XXXX XXXX, XXXX ''. I spoke to an operator and asked for the address of the company, the name of the company, the phone number, names of supervisors, etc. The gentleman that answered refused to tell me anything unless I gave him my phone number. I believe this is an identity theft scam. The name they have is one that was changed decades ago and only someone that does not really know the circumstances of the name change would continue to use that name.
Company Response: Closed with explanation

Timely Response

2017-10-23

Smyrna, SC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-23

Metairie, LA

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

2017-10-22

Bossier City, 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

2017-10-22

Auburn, AL

False statements or representation

Debt collection: Other debt

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

Timely Response

2017-10-21

Reynolds, IN

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I challeged my phone debt when I checked my credit online. Which is a good and bad idea. As soon as you do this the companies that you are in debt with call you non stop. I only have two both phone companies. One I do owe on and the other is in question and I have repeated this to them before. Did a promo switch to XXXX. XXXX did and has not paid or honored agreement. My fianc is in the same situation but I believe different company. Frequent calls. What I mean is every day so far or every 3 days calls and they do n't seem to take notes because I tell them the same thing. Mail me a settlement letter so I can give to XXXX to pay. They have yet to do so for the past 3 weeks.
Company Response: Closed with explanation

Timely Response

2017-10-20

Booth, TX

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 explanation

Timely Response

2017-10-19

Webster Square, MA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-10-19

VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XXXX XXXX, I made a payment of {$35.00} and on XXXX XXXX I made the final payment of {$41.00}. The company is DCI ( Differsified Consultants INC ). The original creditor was XXXX. I want them to send to credit bureau that account is paid so my XXXX credit report shows as paid. And to send me a statement that account has been paid.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-19

Dallas, 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

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2017-10-18

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Last XXXX XXXX, XXXX, I clearly requested to this company to validate the account they are reporting. Attached herewith is a copy of the letter I sent this company. XXXX responded and sent me an " FTC AFFIDAVIT ''. Please see an attached copy or what XXXX sent me. I DID NOT receive any validation document. I believe they responded to my letter to make it look like they complied with the law. But sending me this document just made it worse. What they sent me is not a validation document which is required by FDCPA.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-18

AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Diversified Consultants continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.
Company Response: Closed with explanation

Timely Response

2017-10-18

Mc Clellanville, SC

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-17

Omaha, NE

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was contacted by a debt company, Diversified Consultants, the gentleman on the line identified himself then got real aggressive as to who I was, wanting information I will never give over the phone to someone I do n't know. He mentioned I owe a debt to XXXX. I do n't owe a debt to XXXX. He got very aggressive then hung up. I called back and spoke to a woman who again, wanted all of my information, again I asked what this was in regards too, she started giving me my address, phone numbers, personal information and stated I owe a debt to XXXX from XXXX ... I 've never had a debt to XXXX. Then she provided a number we had with a business there, insisted it was filed for collections with them on XXXX-XXXX-17. I told her I would contact XXXX, she said go ahead and she too hung up on me. Then I called back three additional times asking for the address so I can send a dispute letter fearing they will try to collect something I do n't owe and from so long ago! How can I even prove I do n't owe anything???!!! With much aggression I was yelled at, asked to give my info and not given the address ... .each time I was hung up on. I did get partial recording of one of those conversations. I stated I wanted to have the mailing address and they refused to give it to me! Wow, I do n't want them messing up my credit for something that is n't valid. What do I do?
Company Response: Closed with non-monetary relief

Timely Response

2017-10-17

Natrona Hts, PA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted you after you asked them to stop
Complaint: XXXX and diversified consultants keep calling and asking for a debt of {$1500.00} be paid and say the account was opened XXXX-2015 which ia not possible as i have had XXXX for 5 years. I have asked numerous times this be removed as it is not correct.
Company Response: Closed with explanation

Timely Response

2017-10-17

Phelan, CA

Credit monitoring or identity theft protection services

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

Billing dispute for services
Company Response: Closed with explanation

Timely Response

2017-10-17

Washington, DC

False statements or representation

Debt collection: Other debt

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

Timely Response

2017-10-16

Detroit, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-10-15

Blackbird, DE

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On or around XXXX XXXX, XXXX I was in search of a new cellular data service and contacted XXXX for quotes. After discussing a contract with XXXX, they sent out XXXX XXXX 's without my authorization. I never received the phones, which according to XXXX were delivered and left on the front porch of my home on XXXX XXXX, XXXX. Upon receiving a rental bill for the above mentioned phones, I contacted XXXX immediately with no resolve. I have had numerous attempts with XXXX about this fraudulent bill with only one resolution after speaking with a XXXX manager. I was advised that this bill would be corrected and I would no longer be receiving any communication from them. I again received another paper bill for double the amount and contacted XXXX again. I was not able to speak to a manager and the customer service representative advised there was no manager to talk with at the time, but if I was to switch my cell phone service to XXXX, they would send out two new phones and that would rectify the initial complaint. In XXXX XXXX I received two calls from a collection agency who was representing for XXXX. I gave them all the information and all the conversations I had with XXXX about this issue and they advised me they would put the collection in dispute with XXXX until further notice. On or around XXXX XXXX, XXXX XXXX had the bill put on my credit report for collection in the amount of {$1200.00}. I am prepared to file a police report for phone cloning against XXXX along with possible legal action.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-15

Phoenix, AZ

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: My XXXX Account was open on XXXX/XXXX/XXXX and was closed on XXXX/XXXX/XXXX. Somehow 8 months later I have a collection account amounting {$950.00} according to my XXXX report it was opened XXXX/XXXX/XXXX to verify the validity of this account I 'm asking the company produces a subscriber agreement ( 2-year contract ) bearing my signature and the last three billing statements. I 've requested these documents on more than 10 occasions then the company began hangging up on me every time I called the line was disconnect.
Company Response: Closed with explanation

Timely Response

2017-10-15

Neenah, WI

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-10-14

Marquette Heights, IL

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