Date Received: 2018-10-29T00:00:00.000
Product: Other debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: On XX/XX/XXXX at XXXX I was contacted via phone by a representative from Diversified Consultants, Inc. During the call I requested written verification of the debt they referenced during the call. I received a letter on XX/XX/XXXX that stated I have 30 days to dispute the validity of the debt. I sent a letter via Diversified Consultants online dispute form on XX/XX/XXXX and stated that I would also be sending the same via regular mail. On XX/XX/XXXX, less than 30 days from the date of the notice, the company reported the invalid and unverified debt to the credit agencies. The company did not follow FCRA guidelines and reported a debt that is not mine to a credit agency which adversely affected my credit and ability to obtain credit.
Company: Diversified Consultants, Inc.
Company Response to Complaint: Closed with non-monetary relief
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3059164
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.