Diversified Consultants, Inc.
Diversified Consultants, Inc. (DCI) is a third-party debt collector that specializes in the collection of wireless, cable, satellite, and utilities debt. DCI was founded in 1992 and is based in Jacksonville, Florida with a satellite office in Portland, Oregon.
Numerous allegations of debt collection harassment have been made against DCI. The Consumer Financial Protection Bureau (CFPB) is a Government agency that is tasked with protecting consumers from unfair, deceptive, or abusive practices and is authorized to take action against companies that violate consumers' rights. The CFPB has received over 4,065 complaints against DCI.
Consumers allege that DCI has engaged in the following illegal debt collection practices:
- Attempting to collect a debt that is not owed by the consumer;
- Attempting to collect a debt that has been paid;
- Attempting to collect more than what is owed;
- Threatening to take legal action if payment is not made; and
- Refusing to validate or provide proof of a debt.
For example, the CFPB received a complaint from a consumer because DCI refused to provide proof of a debt. After being contacted by DCI, this consumer sent a letter disputing the debt and requesting validation of the debt. The Federal Debt Collection Practices Act (FDCPA) allows consumers to request a creditor or debt collector to send proof of the debt. A consumer has thirty (30) days to dispute a debt and to request proof of the debt after being provided notice of the debt by the creditor or debt collector.
Although the consumer followed the procedures set forth in the FDCPA to obtain proof of the debt, DCI did not respond to the consumer's letter. The consumer then sent another letter with proof that the debt did not belong to the consumer. DCI still did not respond; however, DCI did report the debt to a credit bureau. After filing the complaint with the CFPB, DCI resolved this matter with the consumer.
Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold DCI accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.