Skilken Properties

September 14, 2016 RE: Complaint #11704376 Dear Ms***: Thank you for contacting Diversified Consultants, Inc(DCI)Upon receipt of Mr*** complaint we have thoroughly researched this matter. On 05/20/2016, AT&T placed the account with DCI for collection
efforts with a balance of $On 05/25/2016, DCI mailed the consumer an initial balance letter to the consumers last known address on file. On 09/09/the consumer contacted DCI requesting informationDCI’s representative attempted to verify the party speaking, however the consumer refused only using vulgar languageDue to the disturbing language being used, the representative disconnected the call. On 09/09/2016, the consumer contacted DCI for a second timeDCI’s representative again attempted to verify with whom they were speaking with and again the consumer began with vulgar language and the call was disconnected. The consumer claims that DCI has no authority to perform business in the state of CaliforniaDCI holds a certificate of authority number with the state. DCI has cease collection efforts on the referenced account and has closed the account in our officeA deletion request has been submitted to the credit reporting agencies. Should the consumer have further questions he may feel free to contact me directlyQuestions pertaining to the account should be forwarded to the original creditor. All call recordings are available upon requestDCI request that the recording remain confidential between DCI and the Revdex.com as the recordings are the sole property of DCI. Thank you for your time with this matter and should you have any further questions please feel free to contact me. Sincerely, *** *** Compliance Analyst Diversified Consultants (800)771-5361-toll free ***

June 13, 2018 Diversified Consultants, Inc. (DCI) acknowledges receipt of the above-referenced complaint that was submitted to the Revdex.com Serving Northeast Florida & Southeast Atlantic on June 6, 2018. DCI understands [redacted] has stated the account placed with...

DCI for collection is the result of identity theft and requests it be removed from her credit report. DCI has reviewed this matter and the findings are below. On March 23, 2018, Comcast Cable placed an account with DCI for collection for [redacted] in the amount of $1,975.27. On March 28, 2018, an initial collection notice was mailed for the account. On May 22, 2018, in compliance with the Fair Credit Reporting Act (FCRA), the account was reported to the credit bureau. On June 4, 2018, DCI spoke with [redacted] who stated the account is the result of identity theft. DCI updated the account to a fraud status. [redacted] must contact the creditor at: https://www.xfinity.com/fraudclaimform or their fraud hotline: 844-335-8719 in order for her identity theft claim to be processed and investigated. On June 8, 2018, the creditor re-called the account. DCI closed the account and returned it to the creditor. DCI will conduct no further collection activity regarding this matter. has requested its entry be removed from [redacted]’s credit report. DCI cannot affect a change in whether the creditor or another entity has or will later report the account on [redacted]’s credit report. DCI also cannot affect a change as to when the credit bureau processes the deletion request DCI submitted relating to the account. Sincerely,

Date: June 7, 2018 Dear Ms. [redacted] Thank you for contacting Diversified Consultants Incorporated, (DCI). DCI is in receipt of [redacted] 
[redacted] complaint stating he never received a collection notice from DCI and the account is fraudulent. [redacted] desired resolution is...

to have the account removed from his credit report. Having researched this matter, please note the following: On February 7, 2018, Comcast placed an account with DCI for collections on a balance of $295.72. DCI mailed an initial balance letter to [redacted] on February 12, 2018, regarding the account balance. In compliance with the Fair Credit Reporting Act, DCI submitted the account to the Credit Reporting Agencies as an open collection account on April 9, 2018. Upon receipt of [redacted] Revdex.com complaint, DCI updated the account status internally as a dispute, updated the Credit Reporting Agencies as a dispute, and notified Comcast of the fraud claim. To allow for a proper fraud investigation Comcast advises [redacted] to contact them through their online fraud website www.xfinity.com/fraudclaimform or the fraud hotline 1-844-335-8719. DCI has requested its entry be removed from your credit report. DCI cannot affect a change in whether the creditor or another entity has reported the account on your credit report. DCI also cannot affect a change as to when the credit bureau processes the deletion request DCI submitted relating to the account. The AUD number, in reference to the deletion request, for [redacted] records is [redacted]. Should [redacted] have any questions, please contact our office directly. This complaint was forwarded to Diversified Consultants Inc.; however, DCI has no wrongdoing in this matter. Sincerely,

October 5, 2017 Thank you for contacting Diversified Consultants, Inc. (DCI). DCI is in receipt of Ms. [redacted]’s complaint stating she has been trying to dispute the alleged debt by requesting to send proof that validates the debt with her signature. Ms. [redacted] requests DCI to cease...

and remove the collection from all credit reporting agencies. Having researched the matter, please note the following: On 3/4/2016, Sprint placed the account with DCI for collection in the amount of $1,216.48. DCI attempted phone contact with Ms. [redacted] with no success until 5/30/2017, at which time, Ms. [redacted] verified herself but then disconnected the call. On 6/15/2017, DCI attempted phone contact with Ms. [redacted] again. She verified herself but then disconnected the call. On 7/6/2017, Ms. [redacted] submitted a dispute via credit bureau. At that time, DCI placed the account in dispute and the credit bureaus were updated accordingly. On 7/24/2017, DCI received notice via mail that Ms. [redacted] requested validation of the account. On 7/25/2017, validation documents were mailed out to the last known address on file. At this time, DCI has closed the account in our office and a credit deletion has been submitted to the credit reporting agencies. Due to Ms. [redacted] claiming she never lived at the address on the Sprint bill, I have attached a fraud form for her to complete and return to Sprint, if she would like to proceed the account as fraud. Should Ms. [redacted] have any further questions or concerns, she may contact DCI and an agent will assist. Thank you for allowing me to assist with this matter. This complaint has been directed toward Diversified Consultants, Incorporated; however, DCI has no wrongdoing in this matter. Sincerely,

Date: May 9, 2018 Dear Ms. [redacted] Thank you for contacting Diversified Consultants Incorporated, (DCI). DCI is in receipt of Ms. [redacted]’s complaint stating that she paid Verizon directly and in full, but was told her credit report would be updated as closed for an amount less...

than owed; not paid in full. Ms. [redacted]’s desired resolution is to have the account updated accordingly as paid in full. Having researched this matter, please note the following: On April 18, 2018, Verizon placed an account with DCI for collections on a balance of $415.01. DCI mailed Ms. [redacted] an initial balance letter on April 24, 2018, regarding the account balance. Upon receipt of Ms. [redacted]’s Revdex.com complaint DCI notified Verizon of the dispute. DCI received notification from Verizon stating the account will be updated as paid in full when the Credit Bureau processes the updated information. On May 7, 2018, Verzion notified DCI of a partial payment in the amount of $351.71 being paid directly to Verizon, leaving a balance of $63.30. DCI has closed the account internally. DCI does not do credit reporting for Verizon, Ms. [redacted] will need to contact Verizon in regards to the credit report. Should Ms. [redacted] have any questions please contact Verizon directly. This complaint was forwarded to Diversified Consultants Inc.; however, DCI has no wrongdoing in this matter. Sincerely, [redacted] | Consumer Resolution Analyst Phone: (502) 907-1923 | [redacted] Diversified Consultants, Inc. P.O. Box 551268 – Jacksonville, Florida 32255-1268 | (904) 247-5500 | 1-(800)-771-5361 | DCICOLLECT.com

I am rejecting this response because:They are lying: they have been calling since early 2016. They have called over 100 times. I have the records to prove it. Although I'm sure the records show illegally spoofed numbers.If the Revdex.com simply takes their word for it, and believes that they will stop harassing me, the Revdex.com is worthless and it's time for me to call a lawyer and the police.Stalking and harassment is a crime. Lying about it just makes you an even bigger sg.They can say "we will remove your number" 10 times (they've said it 10 times+ to me) - it doesn't mean they wont be calling me again next month.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Date: May 23, 2018 Dear Ms. [redacted], Thank you for contacting Diversified Consultants Incorporated, (DCI). DCI is in receipt of Ms. [redacted]’s complaint stating that DCI updated the account information to the Credit Reporting Agencies incorrectly. Ms. [redacted]’s desired resolution is...

to have the account removed from her credit report. Having researched this matter, please note the following: On April 6, 2015, Sprint placed an account with DCI for collections on a balance of $430.67. DCI attempted to contact Ms. [redacted] by phone with no success. In compliance with the Fair Credit Reporting Act, DCI submitted the account to the Credit Reporting Agencies as an open collection account on June 8, 2015. On October 30, 2015, DCI received mail correspondence from Ms. [redacted], requesting validation and to only be contacted via mail. DCI updated the account status internally as a dispute, updated the Credit Reporting Agencies as a dispute and notified Sprint of the dispute. DCI mailed validation to the mailing address provided on the correspondence on November 7, 2015. Ms. [redacted] contacted DCI on February 15, 2018, requesting to close the account for an amount less than owed and stating she did not remember the account. DCI and Ms. [redacted] agreed to close the account for $215.34. DCI closed the account internally and updated the Credit Reporting Agencies as closed for an amount less than owed.

Date: June 8, 2018 Dear Ms. [redacted] Thank you for contacting Diversified Consultants Incorporated, (DCI). DCI is in receipt of [redacted] complaint stating validation was requested in April of this year but was not received. [redacted] desired resolution is to have the...

account removed from her credit report. Having researched this matter, please note the following: On November 16, 2017, Comcast placed an account with DCI for collections on a balance of $606.69. DCI attempted to contact you by phone with no success. In compliance with the Fair Credit Reporting Act, DCI submitted the account to the Credit Reporting Agencies as an open collection account on February 8, 2018. DCI received mail correspondence from [redacted] on April 23, 2018, requesting validation of the account. DCI updated the account status internally as a dispute, updated the Credit Reporting Agencies as a dispute, and notified Comcast of the dispute. On April 27, 2018, validation was mailed to the address provided on the correspondence. On May 3, 2018, DCI received a notification from the Credit Bureau on behalf of Ms. Mangum stating the account is fraudulent. DCI notified Comcast of the fraud claim. To allow for a proper fraud investigation Comcast advises [redacted] to contact them through their online fraud website www.xfinity.com/fraudclaimform or the fraud hotline 1-844-335-8719. As of today, June 7, 2018, DCI has closed the account internally. DCI has requested its entry be removed from your credit report. DCI cannot affect a change in whether the creditor or another entity has reported the account on your credit report. DCI also cannot affect a change as to when the credit bureau processes the deletion request DCI submitted relating P.O. Box 551268 – Jacksonville, Florida 32255-1268 | (904) 247-5500 | 1-(800)-771-5361 | DCICOLLECT.com to the account. The AUD number for the referenced deletion for [redacted] records is [redacted] DCI has attached validation for [redacted] to review. Should [redacted] have any questions, please contact Comcast directly. This complaint was forwarded to Diversified Consultants Inc.; however, DCI has no wrongdoing in this matter. Sincerely,

Diversified Consultants, Inc. (DCI) acknowledges receipt of the above-referenced complaint that was submitted to the Revdex.com Serving Northeast Florida & Southeast Atlantic on May 30, 2018. DCI understands [redacted] has stated she was unaware of the account placed with...

DCI for collection until she “noticed it on [her] credit report.” [redacted] disputes the account, stating she returned all equipment to the creditor. [redacted] complains a DCI representative would not transfer her to a manager and hung-up on her. [redacted] requests the account be removed from her credit report. DCI has reviewed this matter and the findings are below. On April 2, 2018, Time Warner Cable placed the above referenced account with DCI for collection for [redacted] in the amount of $242.81. On April 3, 2018, an initial collection notice was mailed to [redacted] for the account, which provided her with notice of the account and her right to dispute the account within 30 days of receipt of the notice. The letter was mailed to the address listed in [redacted] complaint as belonging to her. DCI has no record of a mail return of this letter. DCI has no recor d of receiving a dispute notice within the 30-day validation period. On May 17, 2018, in compliance with the Fair Credit Reporting Act (FCRA), the account was reported on [redacted]’s credit report. On May 30, 2018, records reflect several calls with [redacted] where the calls had a bad connection Onand May were 30, disconnected. 2018, DCI received DCI records payment do in not full substantiate for the account. [redacted] updated allegations. the account and closed it as paid in full. DCI updated its entry on [redacted]’s credit report to reflect the account as paid in full. This is an accurate reporting of the account and complies with the FCRA. Although the account is reported accurately and in compliance with the FCRA, as a courtesy to [redacted], DCI has requested its entry be removed from her credit report. DCI cannot affect a change in whether the creditor or another entity has reported the account on [redacted]’s credit report. DCI also cannot affect a change as to when the credit bureau processes the deletion request DCI submitted relating to the account. Sincerely,

May 24, 2018 Diversified Consultants, Inc. (DCI) acknowledges receipt of the above-referenced complaint that was submitted to the Revdex.com Serving Northeast Florida & Southeast Atlantic on May 18, 2018. DCI understands Mr. [redacted] has stated DCI failed to...

provide validation as requested and must therefore remove the account from his credit report. DCI has reviewed this matter and the findings are below. On October 25, 2017, Comcast Cable placed an account with DCI for collection for Mr. [redacted] in the amount of $656.16. Calls were placed to Mr. [redacted]; however, contact was not made. On January 10, 2018, DCI received notice through the credit bureau that Mr. [redacted] disputed the account. DCI placed the account into a dispute status and updated Mr. [redacted] credit report to reflect the account as disputed. This was an accurate reporting of the account and complied with the Fair Credit Reporting Act. DCI requested validation information from the creditor. On May 23, 2018, the creditor re-called the account. DCI closed the account and returned it to the creditor. DCI has requested its entry be removed from Mr. [redacted] credit report. DCI cannot affect a change in whether the creditor or another entity has or will later report the account on Mr. [redacted] credit report. DCI also cannot affect a change as to when the credit bureau processes the deletion request DCI submitted relating to the account. DCI does not own the account and has no control over whether the creditor pursues further collection activity relating to the account. Mr. [redacted] may contact the creditor directly for any further questions regarding this matter. Sincerely,

October 16, 2017 Dear Ms. [redacted], Thank you for contacting Diversified Consultants, Inc. (DCI). DCI is in receipt of [redacted]’ complaint stating “this company, in which I hold NO contract with nor have I ever received services from, has reported a collection account against...

my social security number in the amount of $97.14. I have requested DCI validate the account to prove it is mine and the company failed to provide me with any adequate proof. Considering this company does NOT have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay the alleged debt.” Ms. [redacted] is requesting a deletion be submitted to the credit bureau. Having researched this matter, please note the following: On 06/08/2017, AT&T placed the account with DCI for collection with a balance of $97.14. On 06/09/2017, DCI mailed an initial balance letter providing the right to dispute. DCI attempted phone contact with no success. On 08/02/2017, the account was submitted to the credit bureaus. On 09/01/2017, Ms. [redacted] was contacted and informed of the debt. Ms. [redacted] requested a settlement on the account and once the account was paid she requested the account be deleted from her credit report. Ms. [redacted] was informed DCI does not have a pay for delete at which time she disconnected the call. On 09/25/2017, DCI received notice via mail that Ms. [redacted] was disputing the account. At that time the account was placed in dispute status and the credit bureau updated accordingly. On 09/27/2017, DCI mailed validation to Ms. [redacted]. P.O. Box 551268 – Jacksonville, Florida 32255-1268 | (904) 247-5500 | 1-(800)-771-5361 | DCICOLLECT.com DCI has ceased all collection efforts, has mailed Ms. [redacted] a dispute letter and closed the account in our office. A deletion request has been submitted to the credit bureaus. DCI is a third party collection agency and does not nor required to have a contract with Ms. [redacted]. DCI has a contractual agreement with AT&T to preform collections and credit report on their behalf. Should Ms. [redacted] have any questions she may contact our office directly. Questions pertaining to the account should be forwarded to AT&T. Thank you for allowing me to assist with this matter. Sincerely,

Date: March 20, 2018 Dear Ms. [redacted] Thank you for contacting Diversified Consultants Incorporated (DCI). DCI is in receipt of Ms. [redacted] complaint stating she does not have a contract with DCI and requests validation. Ms. [redacted] desired outcome is to have the account...

removed from her credit report. Having researched this matter, please note the following: DCI is a third party collection agency. DCI is a service provider for Sprint for collections on their behalf, we are not required to have a contract with consumers. On June 15, 2015, Sprint placed an account with DCI for collections on a balance of $914.23. DCI attempted contact to Ms. [redacted] with no success. On August 17, 2015, DCI submitted the account to the Credit Reporting Agencies as an open collection account. DCI received notification through the Credit Bureau on January 19, 2018, that Ms. [redacted] is stating the account was closed. DCI placed the account in a dispute internally, updated the Credit Reporting Agencies as a dispute, and notified Sprint of the dispute. DCI received correspondence from Ms. [redacted] on January 26, 2018, requesting validation of the account. Ms. [redacted] also requested no verbal contact to be made and all future contact should be in writing. DCI mailed validation to Ms. [redacted] on January 30, 2018. DCI received a Consumer Financial Protection Bureau (CFPB) complaint on February 5, 2018, requesting validation of the account. DCI responded to Ms. [redacted] CFPB complaint on February 16, 2018, providing validation to Ms. [redacted] on January 30, 2018. P.O. Box 551268 – Jacksonville, Florida 32255-1268 | (904) 247-5500 | 1-(800)-771-5361 | DCICOLLECT.com DCI received notification through the Credit Bureau from Ms. [redacted] stating inaccurate information and requesting validation on March 9, 2018. DCI mailed validation to Ms. [redacted] to the address provided on the complaint on March 16, 2018. Should Ms. [redacted] have any questions regarding the validation she may contact our office directly. The account remains in a dispute status internally and with the Credit Reporting Agencies as a dispute until the dispute can be rectified. Should Ms. [redacted] have any questions, she may contact our office directly. This complaint was forwarded to Diversified Consultants Inc., however, DCI has no wrongdoing in this matter. Sincerely,

Date: March 15, 2018 Dear Ms. [redacted], Thank you for contacting Diversified Consultants Incorporated (DCI). DCI is in receipt of Ms. [redacted]’ complaint requesting validation of the account. Ms. [redacted]’ desired outcome is to have the account removed from her credit...

report Having researched this matter, please note the following: On January 20, 2018, Sprint placed an account with DCI for collections on a balance of $1,974.14. DCI mailed an initial balance letter to Ms. [redacted] to the address provided on file on January 23, 2018. DCI submitted the account to the Credit Reporting Agencies as an open collection account on March 6, 2018. On March 14, 2018, DCI placed the account in a dispute status internally, updated the Credit Reporting Agencies as a dispute, and notified Sprint of the dispute. DCI mailed Validation to Ms. [redacted] on March 15, 2018. Should Ms. [redacted] have any questions regarding the validation she may contact our office directly. The account remains in a dispute status internally, and with the Credit Bureau until the dispute can be rectified. Should Ms. [redacted] have any questions, she may contact our office directly. This complaint was forwarded to Diversified Consultants Inc., however, DCI has no wrongdoing in this matter. Sincerely,

October 10, 2017 Thank you for contacting Diversified Consultants, Inc. (DCI). DCI is in receipt of Mr. [redacted]’s complaint stating he has been contacted by “this company” many times and will not disclose the purpose of the call and has contacted a few attorneys that have said he...

should sue “this company.” Having researched the matter, please note the following: At this time, DCI is unable to verify Mr. [redacted]’s accusations regarding not providing company information. Should Mr. [redacted] like to provide the phone number DCI contacted him on so that we may research the matter, DCI will provide a more detailed response. The phone number provided on the complaint does not show in our database. If Mr. [redacted] is being contacted on another number, please provide the number so it can be removed. Thank you for allowing me to assist with this matter. Sincerely,

October 6, 2017 Thank you for contacting Diversified Consultants, Inc. (DCI). DCI is in receipt of Ms. [redacted] complaint stating the account is not accurate and needs it to be deleted off her credit report. Having researched the matter, please note the following: On 5/19/2017,...

Comcast Cable placed the account with DCI for collection in the amount of $192.51. On 5/24/2017, DCI mailed an initial collection notice to Ms. [redacted] address providing her the right to dispute. DCI attempted phone contact with no success. At this time, DCI has closed the account in our office and a credit deletion has been submitted to the credit reporting agencies. A Texas dispute letter and validation documents have been requested to be mailed to Ms. [redacted] address. DCI will not attempt any further contact with Ms. [redacted]. Should Ms. [redacted] have any further questions or would be interested in resolving her account, she may contact DCI and an agent will assist. Thank you for allowing me to assist with this matter. This complaint was directed to Diversified Consultants, Incorporated; however, DCI only services the debt and has no wrongdoing in this matter. Sincerely,

Date: February 9, 2018 Dear Ms. [redacted], Thank you for contacting Diversified Consultants Incorporated, (DCI). DCI is in receipt of of Ms. [redacted]’s complaint stating DCI is reporting an account on her credit report that isn’t validated. Ms. [redacted]’s desired resolution is to have the...

account removed from her credit report. Having researched this matter, please note the following: On November 11, 2017, Comcast Cable (Comcast) placed an account with DCI for collections on a balance of $344.51. DCI mailed Ms. [redacted] an initial balance letter at the address provided on her account on November 16, 2017. DCI spoke with Ms. [redacted] on November 16, 2017, at that time she advised DCI she had no intentions no paying the balance owed due to Comcast disconnecting her services without her permissions. DCI placed Ms. [redacted]’s account is dispute status and notified Comcast of Ms. [redacted] dispute. On January 17, 2018, DCI received correspondence from Ms. [redacted] requesting validation of the account. DCI requested validation from Comcast. DCI mailed validation to Ms. [redacted] at the address provided on the correspondence on January 19, 2018. On January 30, 2018, DCI received notice from the Credit Bureaus that Ms. [redacted] was claiming the account was fraudulent. DCI notified Comcast of the fraud claim. Comcast request Ms. [redacted] contact their fraud department at www.xfinity.com/fraudclaimform or contact their fraud hotline at 1-844-335-8719. P.O. Box 551268 – Jacksonville, Florida 32255-1268 | (904) 247-5500 | 1-(800)-771-5361 | DCICOLLECT.com Should Ms. [redacted] have any questions, please contact our office directly. This complaint was forwarded to Diversified Consultants Inc., however, DCI has no wrongdoing in this matter. Sincerely, [redacted] [redacted] 
[redacted] [redacted] Diversified Consultants, Inc. P.O. Box 551268 – Jacksonville, Florida 32255-1268 | (904) 247-5500 | 1-(800)-771-5361 | DCICOLLECT.com

Complaint: [redacted]
I am rejecting this response because:  although DCI states written and phone communication was attempted,  there was nothing received on my end.  I have not received any phone calls or mailings.  Again,  I request this alleged debt be removed as the company has violated the FCRA with failing to properly validate this alleged debt.
Regards,
[redacted]

October 5, 2017 Thank you for contacting Diversified Consultants, Inc. (DCI). DCI is in receipt of Ms. [redacted]’s complaint stating that the account is reporting incorrectly to her credit report. Having researched the matter, please note the following: On 5/9/2017, Sprint...

placed the account with DCI for collection in the amount of $2,197.71. On 5/17/2017, DCI mailed an initial collection notice to Ms. [redacted]’s address providing her the right to dispute. DCI attempted phone contact with no success until 5/16/2017. On 5/11/2017 DCI received an adjustment of $205.92 decreasing the balance to $1991.79. On 5/16/2017, DCI attempted phone contact with Ms. [redacted], at which time, she asked the agent to hold on but never returned and the call was then disconnected. On 5/30/2017, DCI made contact again with Ms. [redacted]; she stated she disputed the account because she returned the equipment. At that time, DCI placed the account in dispute and updated the credit bureaus accordingly. On 7/7/2017, Ms. [redacted] made phone contact with DCI at which time she settled the account in the amount of $900.00. At that time, the account was closed in our office as ‘Settled in Full.’ In reviewing the account, DCI has found a discrepancy in credit reporting. Due to this error, DCI has requested a credit deletion to be submitted to the credit reporting agencies. The account remains is closed in our office and has been recalled to Sprint. Ms. [redacted] will not receive any further contact from DCI. Should she have any further questions or concerns regarding the account, she will need to contact Sprint, directly. Thank you for allowing me to assist with this matter.

October 12, 2017   Thank you for contacting Diversified Consultants, ...⇄