Diversified Consultants, Inc. permanently closed on April 30, 2020, after a Chapter 11 bankruptcy filing. If a caller still claims to represent DCI, the call likely comes from a debt buyer or impersonator. According to CFPB records, DCI had accumulated over 4,000 complaints before it shut down.
Key Takeaways
- Diversified Consultants, Inc. permanently closed on April 30, 2020 after Chapter 11 bankruptcy. Last address: 10550 Deerwood Park Blvd, Suite 309, Jacksonville, FL 32256. Founded 1992. All 250 employees laid off.
- DCI was a telecom-specific collector for AT&T, Verizon, Sprint, T-Mobile, cable, satellite, and utility accounts. CFPB records show over 4,000 complaints by 2018.
- Major lawsuits included Hudson v. DCI (credit report pulls on bankrupt consumers), Muhlstock v. DCI (TCPA robocalls), and Laccinole v. DCI (22 calls after a stop request).
- A DCI tradeline on your credit report can often be disputed and deleted, because the original creditor no longer exists to verify it.
- If a current collector calls about a former DCI account, you may be entitled to up to $1,000 per FDCPA violation.
- The Wood Firm PLLC handles these cases on contingency. You pay nothing unless we win.
Free Case Review: +1-844-638-1122
Who Is Diversified Consultants Inc
Diversified Consultants, Inc. was a telecom-focused debt collection agency based in Jacksonville, Florida. The company handled unpaid accounts for wireless, cable, and utility providers for 28 years before it closed. DCI operated under several related names during that time.
- Also Known As: Diversified Consultants Inc, DCI, Diversified Consultants Company, Diversifed Consultants, Diversified Receivables, Diversified Collections. Not the same company as Diversified Adjustment Service (DASI) or Diversified Consumer Services, which remain active and separate.
- Last Known Address: 10550 Deerwood Park Blvd, Suite 309, Jacksonville, FL 32256
- Founded: 1992
- Status: Permanently closed April 30, 2020, following Chapter 11 bankruptcy (Case No. 3:20-bk-01311, Middle District of Florida)
- Website: Offline since closure
In our practice, we regularly see closed collector names still triggering calls years after a company dissolves. When a client brings us a “DCI” call, we verify the caller’s business license first. Only then do we recommend a next step.
Does Diversified Consultants Have a Working Phone Number
No, Diversified Consultants does not have an active phone number today. The company’s offices closed in April 2020, and its website never returned. Any caller ID showing “Diversified Consultants” belongs to a different, currently operating company.
Why Is Diversified Consultants Calling You
Diversified Consultants is calling you because a debt buyer purchased its old accounts. It could also be an impersonator using the closed company’s name. DCI itself cannot place calls, since it no longer operates.
- A different collector bought the debt. When a collection agency closes, its portfolio is typically sold at a discount. The new owner may reference the old DCI account number, but a new company is calling you and must identify itself clearly.
- Someone is impersonating DCI. Scammers sometimes use defunct agency names because consumers recognize them. Verify the caller’s business name, address, and licensing before paying anything.
- An old DCI tradeline sits on your credit report. These can linger for years even though DCI cannot respond to disputes.
Document every call. Record the caller’s full company name, address, and the original creditor. Then request debt validation in writing.
Is Diversified Consultants a Scam
Diversified Consultants, Inc. was a real, licensed debt collection agency, but licensed doesn’t guarantee every tactic was legal. Consumers alleged the company pulled credit reports without authorization. A caller today claiming to be DCI is itself a red flag, because the company no longer operates.
Court filings allege DCI’s calling and reporting practices crossed legal lines well before the bankruptcy. Reportedly, some of the same tactics now appear at successor collectors working former DCI portfolios. Look for unclear caller identification and credit report pulls you never authorized.
Is Diversified Consultants Banned by the FTC
No, the FTC has not taken public action to ban Diversified Consultants. The company closed on its own after bankruptcy, not through an FTC order. Consumer complaints instead piled up at the CFPB, which logged over 4,000 filings against DCI by 2018.
In our practice, an absence of an FTC ban does not mean a clean record. We check CFPB complaint narratives and court dockets for the specific conduct a client experienced. That pattern often supports an individual claim, even without a federal enforcement order.
Has Diversified Consultants Been Sued
Yes. Diversified Consultants, Inc. was named in multiple federal lawsuits before it closed.
- Hudson v. Diversified Consultants, Inc. (2016): Class action alleging DCI pulled credit reports on consumers whose debts had already been discharged in Chapter 7 bankruptcy.
- Muhlstock v. Diversified Consultants Inc. (2017): Proposed class action alleging DCI used autodialers to call cell phones without identifying itself as a collector.
- Pinyuk v. Diversified Consultants, Inc. (2017): FDCPA claim alleging DCI failed to clearly identify which Verizon entity owned the underlying debt.
- Pennzello v. Diversified Consultants Inc. (2017): Class action alleging DCI failed to itemize “Total Non-Interest Charges or Fees Since Charge-Off.”
- Marjorie H. v. Diversified Consultants (2018): An Indiana consumer alleged harassing, inaccurate calls about a $495 AT&T debt she did not owe.
- Laccinole v. Diversified Consultants, Inc. (2019): A consumer alleged 22 separate calls to his cell phone after he requested DCI stop calling.
In our practice, we pull original account records whenever a DCI lawsuit theory resurfaces. The same chain-of-title gaps that surfaced in these cases tend to resurface at successor collectors. Review the top FDCPA violations to compare these allegations against common patterns.
What Did Diversified Consultants Collect
Diversified Consultants specialized in telecom accounts, including AT&T, Verizon, Sprint, and T-Mobile. Landline, cable, satellite, and utility providers also used DCI. This focus matters, since telecom fees and final-bill disputes commonly cause credit reporting errors.
How Do You Remove a DCI Tradeline From Your Credit Report
You remove a DCI tradeline by disputing it in writing with each credit bureau. Because DCI no longer exists, it cannot respond to a bureau’s verification request. Under the Fair Credit Reporting Act, a bureau must delete an item it cannot verify within 30 days.
- Pull all three credit reports for free at AnnualCreditReport.com and look for any “Diversified Consultants” or “DCI” tradeline.
- File a written dispute with Equifax, Experian, and TransUnion separately, citing DCI’s April 30, 2020 closure and bankruptcy case number 3:20-bk-01311.
- Wait 30 days. Many documented DCI tradelines have been deleted because the closed company could not verify them.
- If a new collector adds a fresh tradeline for the same debt, you have the same dispute rights against that new collector.
What Are Your Rights If a New Collector Calls About a DCI Account
A new collector working a former DCI account is bound by the same federal laws DCI was. That includes the FDCPA, the FCRA, and the TCPA. You can request debt validation within 30 days of first contact.
A collector working a former DCI account cannot do the following once you assert your rights:
- Call your workplace after you tell it to stop
- Contact your family about your debt
- Threaten garnishment without a court judgment
- Threaten a lawsuit it never intends to file
Telecom debts typically carry a 4-year statute of limitations as written contracts. If your DCI account was placed before 2020, the debt may already be time-barred.
In our practice, we check the last-payment date on every former-DCI file first. That date often determines whether a claim still exists.
How The Wood Firm PLLC Helps Stop Diversified Consultants Debt Harassment
A lingering DCI tradeline, a collector calling without validation, or contact after a stop request are actionable claims. We evaluate the chain of title linking the new caller to DCI’s old accounts. We also review the credit bureau’s verification response before recommending a claim.
The Wood Firm PLLC has handled consumer protection cases exclusively since 2011, never a creditor or collector. Learn more about how we work for you and why clients choose us. We work on contingency, and contact stops within 48 hours after you call +1-844-638-1122.
Still dealing with calls or a tradeline tied to a company that no longer exists? Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency, if they violated federal law, they pay our fees.
Frequently Asked Questions About Diversified Consultants
Is Diversified Consultants still in business?
No. Diversified Consultants, Inc. permanently closed on April 30, 2020, after filing Chapter 11 bankruptcy. All 250 employees were laid off, and the closure was described as complete and final.
Why is Diversified Consultants calling me?
DCI itself cannot call you, since it closed in 2020. Either a different collector bought its old debt portfolio, or someone is impersonating the defunct company.
What does diversified consultants debt collection harassment mean
It usually means repeated or improper calls tied to an old DCI account, often from a successor collector. Documenting each call and requesting written validation is the first step.
What is Diversified Receivables
Diversified Receivables is one of several names associated with the former DCI operation. It is not a separately operating company today.
Can I still owe a Diversified Consultants debt?
Yes, if the original telecom debt was sold to another collector before DCI closed. DCI itself cannot collect anything today, and a new collector must prove it legally acquired the account.
How do I stop calls about an old Diversified Collections account
Send a written cease-contact request to whichever company is currently calling, not to DCI. Each call after a documented stop request may support a separate FDCPA claim.
What Should You Do Next With a DCI-Related Account
A lingering DCI tradeline, or a new collector calling, means you have enforceable rights. Browse our list of collection agencies, review our practice areas, or file a complaint with the CFPB. Call +1-844-638-1122 for a free case review before responding to any collector.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
