|
3351351
|
2019-08-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2019-08-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-23
|
| Complaint What Happened |
To whom it may concern : I had a problem with XXXX. I had family members on an account and we had trouble understanding each other when it came to the responsibility of paying the bill. I decided to cancel The account after not having the & to pay the bill monthly. Some phones were still under leased which made the bill super high. Intent phones were paid already. By the time the account was canceled the company sent me to the corporate office to return the phones still under leased. Thats where all began. No one was able to find my account and I had a HUGE bill. I went to three corporate offices and the account was nowhere to be found therefore they couldnt take the phones to credit the account. Few weeks after that I received notification XXXX sold my account to XXXX and they became my debt collector. After many interactions with them, they also sd they couldnt take the leased phones to credit the account and after scary talks about how this situation was going to harm me in the long run credit I worked a payment plan. I agreed to pay them the attached receipts. It wasnt until They took $ out of my bank without one of the agreed dates that I called and sd I no longer can trust them and no longer had $ to pay them. If they wanted to agreed on a last amount which I was going to do at that moment and thats it. The representative sd thank you and she was going to note the account.
Them I started working with a credit repair company which is helping me with my negative items on my account and after I thought this situation was settled it happens that another company has the account. I Settled this account at whatever I was able to pay. Now this company is hurting my possibility of restarting my credit. Just bc XXXX did me wrong after being a customer for over 18 years.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3370916
|
2019-09-11
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information is missing that should be on the report
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-11
|
| Complaint What Happened |
I've contacted the company who placed the collection on my credit report twice already with no response or acknowledgement from them. This account was sold to this company after disputing with the last company that they were illegally reporting the wrong date as well on my credit report so they decided to sell it to diversified consultants now and they as well are continuing to report the incorrect delinquency date and these company continue to keep selling this account illegally restarting the delinquency dates. I ask that the CFPB have these collections removed from my account permanently.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3175268
|
2019-03-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2019-03-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3127411
|
2019-01-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2019-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-17
|
| Complaint What Happened |
I closed out my XXXX account in XX/XX/2018. I was informed that I need to wait for the coming month 's bill to pay a {$71.00} service fee ( for closing the account ) - the last bit of money I owe XXXX. 5 months later, I received a credit alert that my credit score has dropped 32 points by a derogatory report filed by Diversified Consultants. I have never received any communications regarding the collection so I was utterly shocked by the news.
I called Diversified Consultants and was told that XXXX never updated my address and XXXX furnished them with my old apartment address. Hence I never received any notices on the attempted collection. I then paid my bill in full and asked Diversified Consultants to update the derogatory report, they told me that it is XXXX 's fault by not updating my address and refused to assist me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2999641
|
2018-08-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-08-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-23
|
| Complaint What Happened |
I never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2722444
|
2017-11-07
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2017-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-07
|
| Complaint What Happened |
Diversified Consultants is reporting this account on my credit report for XXXX with account number XXXX after it was being reported & deleted by XXXX XXXXXXXX XXXX account number XXXX. I disputed this account per the FCRA and FDCPA and it was deleted by XXXX XXXX because it was not accurate and could not be verified or validated. Then, I get an alert on my credit report that Diversified Consultants reported it and I was never even sent anything in the mail from them. They just put it on my credit report and never gave me a chance to dispute it. This is a violation of the FCRA and FDCPA and should not be allowed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3021499
|
2018-09-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2018-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-18
|
| Complaint What Happened |
On XX/XX/2018, I submitted to the CFPB a complaint about Diversified Consultants, Inc. ( XXXX ). They attempted to collect an invalid, not owed, debt from XXXX XXXX.
In response to complaint ID No. : XXXX : Diversified responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report.
However, XX/XX/2018 resubmitted the same item that it stated it would conduct no further collection activity XXXX XXXX and XXXX, in direct contravention of its XX/XX/XXXX letter.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1963265
|
2016-06-10
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-10
|
| Complaint What Happened |
I purchased a cell phone from XXXX XXXX In 2015. I believe the # was XXXX. At the time of the purchase the sales rep offered to switch the apps from my current phone to the new phone for me. I never even took the phone out of the box. Three days later I returned the unused phone. I was charged a bunch of fees for returning it but thought the transaction was finished. Approximately XXXX months later I received a bill for approximately {$88.00} I called and spoke to a supervisor after I told her it was the sales person who put the apps into the phone and I never actually used the phone I was told this charge was cancelled. This happened three separate times with XXXX different supervisors assuring me this was no longer owed. Now I have Diversified Consultants calling to collect this debt that I do n't owe. I 've tried to contact XXXX XXXX again and they said because it 's been turned over to a collection agency it 's out of their hands. I 'm registered on the do not call list and I 'm ready to call the news media. This just is n't right. Can you please advise?
Thank you for any help you can offer.
Regards, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2896164
|
2018-05-03
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2018-05-03
|
| Submitted Via |
Referral
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-03
|
| Consumer Consent Provided |
N/A
|
|
|
3079832
|
2018-11-21
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3022021
|
2018-09-18
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2018-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-18
|
| Complaint What Happened |
Diversified consultants keep on calling saying it is urgent I call them back to settle debts.
They never say what the dept is or give a name. I said multiple times to stop calling and pressed # 2 on my phone to indicate for them not to call back, but nothing works.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3071464
|
2018-11-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2018-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-23
|
| Complaint What Happened |
back on XX/XX/XXXX we discontinued our cell phone service with XXXX and from XX/XX/XXXX to XX/XX/XXXX i made payments to pay off the bill.i should of owed {$110.00} according to my records and attempted to pay them at the end of XX/XX/XXXX.talked to several people to try and make a payment but no one could find me in the system. finally using my social a guy was able to open up my account. he told me that my balance was paid and thats why i wasnt in the system.i told him i thought i still had a balance and he said if he finds anything other then what he told me, he will call or mail me.so now 4 months later out of the blue i get a collection notice from a place called XXXX.i called them right away on a friday evening and explained to them the above. they said send them a dispute letter, you have 30 days. i sent out the dispute letter 2 days later.maybe even one day later. i also called the 3 credit bureaus and asked if they had anything with XXXX, either opened, closed, late.they said absolutely no.i then called XXXX. i was transferred at least 6 to 8 times. no one would address this. finally a woman in the retention dept told me that its hard to find anything because someone sent it to XXXX.she did say however she is showing 4 lines were paid up and that the other has a {$100.00} to {$140.00} balance.i told her thats what i had but was told i owed nothing. i asked another manager for a copy of the phone conversation i had in november and he said hed call me back.never did.so now 7 months later, without even any notice a place called dci consultants puts a derogatory remark that i owe them {$630.00} for XXXX.i got an alert and my score drops 45 points. XXXX never called me back to tell me if they disputed my dispute. since 7 months went by i assumed they and XXXX were satisfied with my dispute.dci never once contacted me to see what was going on.they must of known they were the second ones trying to collect a paid debt but didnt seem to care.either that or XXXX lied to them.never sent me a letter or call to explain to them or dispute this once again which i shouldnt have had to.they just went ahead and blatantly puts this on my reports. i have disputed this with 2 credit bureaus, XXXX XXXX, and also a dispute letter to dci was mailed onXX/XX/XXXX.im including the XXXX notice from them and my last statement i ever received from XXXX. it might be hard to read because i put all my confirmation payment numbers on it since it was all i had.
thank you
|
| Consumer Consent Provided |
Consent provided
|
|
|
2663681
|
2017-09-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2017-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2762753
|
2017-12-22
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-12-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-22
|
| Complaint What Happened |
I discovered a collection from Diversified Consultants regarding an alleged XXXX debt. I do not owe this debt and this debt does not belong to me.
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing they are licensed to collect debts in [ my state ].
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.
If the company continues attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, they will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2247346
|
2016-12-13
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2274497
|
2017-01-04
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-01-04
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-05
|
| Consumer Consent Provided |
N/A
|
|
|
2290924
|
2017-01-17
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-17
|
| Complaint What Happened |
XXXX overcharged me {$200.00}. I repeatedly asked them for a complete accounting from day one, about 12 months or so. Eventually I stopped receiving correspondence from XXXX. About XX/XX/2016 I received a dunning letter from XXXX XXXX, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, Fl XXXX, demanding the same {$200.00}.
I responded on XX/XX/2016, certified mail, again advising the charge was an error or submit a complete accounting to me. No response & now I find a negative collection on my credit reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2658494
|
2017-09-05
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Other debt
|
| Date Received |
2017-09-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-05
|
| Complaint What Happened |
I was called on XX/XX/XXXX about a XXXX debt for XXXX. They refused to identify who they were on the initial call to me. Advised not to call me again. Called them back spoke to woman who discloses the debt without mini XXXX first and did n't disclose what company. Asked to speak to manager and advised why transferred me to a general voicemail. Called back 3rd time advised never had XXXX and he hung up on me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2225618
|
2016-11-29
|
Sale of account
|
Credit card
|
|
| Issue |
Sale of account
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Credit card
|
| Date Received |
2016-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-29
|
| Complaint What Happened |
This debt was with XXXX XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$280.00}. I pulled my credit report bacause I want to try and fix what I can. I saw this account was sold to Diversified Consultants and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$460.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2175249
|
2016-10-24
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-10-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2470543
|
2017-04-29
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-04-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2173823
|
2016-10-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-10-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-26
|
| Complaint What Happened |
I had an account with comcast. I was moving from XXXX to XXXX. I called XXXX to let them know and I needed to suspend service and when I have my new address i will reinstate. They told me OK, XXXX XXXX, not a problem. This happens all the time.
about a month later, I moved into my apartment and called up comcast and they would not give me service. They said I had to pay almost {$900.00} for a broken contract and there is no record of me having service transferred.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2437000
|
2017-04-15
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-04-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1802020
|
2016-02-24
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-02-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-02-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2005839
|
2016-07-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2016-07-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-11
|
| Complaint What Happened |
XX/XX/2016 I request my credit report from XXXX, XXXX, and XXXX. I noticed that there was an impermissible credit inquiry made by Diversified Consultants , Inc . Furthermore they even furnished a debt collection item to my XXXX and XXXX Credit report. On Tuesday XXXX XXXX 2016 I sent notice of intent to sue, informing the company of their violations and requested that within five days they send me documentation of an application I 've completed for services, employment or credit from their company. It is Monday XXXX XXXX, 2016 and I receive a call from a representative at Diversified Consultants , Inc. who was requesting my information before they verified who they were. I received multiple calls from this number since XX/XX/2016 and when I would answer the phone it was always dead air. I never heard representative speak except for the call they made to me today. My main concern is that I never executed any services with this company and do not know who gave them my private information. This company has captured my identity and damaged my credit standing by invasion of my protected interest and by inserting negative items on my credit reports. I intend to follow through with private right of action.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2625879
|
2017-08-18
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other debt
|
| Date Received |
2017-08-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2204554
|
2016-11-10
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2016-11-10
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-14
|
| Consumer Consent Provided |
N/A
|
|
|
1298687
|
2015-03-24
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-03-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-03-24
|
| Complaint What Happened |
This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great!
Two months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of DIVERSIFIED has this so called debt now. I submit another dispute with XXXX and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt.
During the investigation, DIVERSIFIED could not verify the debt and sold of the debt to a new collection agency, XXXX XXXX That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again.
My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change.
Is there anything I can do?
|
| Consumer Consent Provided |
Consent provided
|
|
|
1357109
|
2015-05-01
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-05-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
944365
|
2014-07-18
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-07-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-07-23
|
| Consumer Consent Provided |
N/A
|
|
|
1017329
|
2014-09-05
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Diversified Consultants, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2014-09-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-09-05
|
| Consumer Consent Provided |
N/A
|
|
