Date Received: 2021-12-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Convergent broke federal laws written in the Fair Debt Collections Practices act. On XX/XX/XXXX I sent the company an Affidavit of Truth containing documents and proof of the laws that were broken. I have not heard back from the company about this matter. I did not give the company permission to have my address nor telephone number which is an invasion of my privacy and its against the law for purchasing my information without my prior knowledge nor consent. In addition, the company stated I owe a debt, which is a violation of 1692 ( b ) ( 2 ). The company contacted me more than once, which is a violation of 1692 ( b ) ( 3 ). I have telephone records to prove this fact. The company contacted me at an unusual time and place that is inconvenient to me, violation of 1692 ( c ) ( 1 ). The company called me while I was at work which communication is prohibited, violation of 1692 ( c ) ( 3 ). The company would not stop harassing me verbally with their use of obscene and profane language, violation 1692 ( d ) ( 2 ). The company repeatedly used different numbers to call my phone to annoy, abuse, and harass me, violation 1692 ( d ) ( 5 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On last year, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that COVERGENT OUTSOURCING had posted a alleged collection account to my credit profile. I have never heard of nor had an account with this company. My report shows that it was an open account and was opened on XX/XX/2020 with a balance of {$280.00}. Prior to the email, I had no know knowledge of this company nor this alleged debt. I had never had an any dealings with this company. Once I saw this account on my credit report, I IGNORANTLY paid the debt to COVERGENT OUTSOURCING because I was in the middle of purchase my home. They told me that the best thing to do was to pay the debt even though I explained to them that I had no debt with them. So I told them that, even though the debt was NOT mine, that I would pay the debt because it was hurting my credit profile. I told them that my payment was NOT my admission or acknowledgement that the debt belonged to me. It was only because I needed it to be paid to finish my home buying process. However, I recently learned that a debt collector is supposed to make contact with an alleged debtor about an alleged debt and give them time to respond. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they can automatically assume the debt belongs to a particular person. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received contact stating that I have an alleged debt with this company and owe a balance on a certain account. Again, I had absolutely no knowledge of this account with them and was not contacted before the account was posted to my credit report. I now understand that, under the FDCPA guidelines for collection agencies, a debt collector has to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of an alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report without following federal FCRA and FDCPA, I would have not paid them before respectfully requesting evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter or contact about this account ever in the mail or phone call. They illegally posted and reported to my credit file without adhering to the FDCPA laws. I feel like I was scammed because I paid them, yet they didnt follow the FRCA or FDCPA laws. I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit scores dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have been delayed because this illegal account is still listed to my reports. Convergent Outsourcing , IncXXXX XXXX box XXXX XXXX WA XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I notified Convergent Outsourcing to cease communication and informed them of invoking my consumer rights pursuant to 15 USC 1692c ( c ). They have violated my federally protected consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my credit report on XX/XX/XXXX & seen these accounts that was either charged off or in collection under my name. I contacted the 7 company an informed them this was a fraud account & asked the companies to provide me with documentation of the original contracts with dates & both parties ( my Signature & the Companies ) signature on the documentation. I also have tried disputing it thru the credit bureau, but the companies have not provided me with these contracts/documentations, but instead continues to report these accounts to credit bureau XXXX The following 7 Companies I am writing these formal complaints on : 1st Company Compliant Company : XXXX XXXX XXXX XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balanced Reported on Credit Report : {$3600.00} Date Reported on Credit Report of Charge Off Date : XX/XX/XXXX Contact Information on Credit Report : XXXX XXXX XXXX, XXXX XXXX Tx XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 2nd Company Complaint Company : Convergent Outsource /XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$4900.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX, WA XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 3rd Company Compliant Company : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$2400.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 4th Company Complaint This Account is reported on my Credit Report Twice Company XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX & XX/XX/XXXX Balance Reported on Credit Report : {$1100.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 5th Company Complaint Company XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$920.00} Contact Information on Credit Report : No Address Given on Report Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX 6th Company Compliant This Account Reported on my Credit Report Twice Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report:XXXX Balance Reported on Credit Report : {$130.00}, {$140.00}, {$180.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX, SC XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX & XXXX ( XXXX ) XXXX XXXX Company Complaint Company : XXXX XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$150.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had this debt removed off my credit report many of times. Then before I know it that goes to another report agency under a different name and it appears on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent letters to all three credit bureaus including creditors and havent gotten a response concerning results. These items should not be on my credit reports. I requested for them to show proof of compliance and verification and creditor havent been able to provide as requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent outsourcing is a debt collection agency this agency has called me a year straight two to three times a day using an Alabama number. Posing as different collection agencies. They lied on my credit report that I have a XXXX XXXX account in collection earlier this year. I knew it was a lie because I had XXXX XXXX for almost 5 years now. I reported XXXX XXXX account about in 2009 that was not mine. Now almost 13 years later convergent outsourcing says I didnt pay XXXX XXXX bill. When I asked for a copy of this so called contract or service with XXXX XXXX they cant produce it. Its a lie convergent outsourcing is lying on consumer credit reports and I have uploaded or will upload a snap shot Here are the numbers they called me from over a 100 times 3XXXX XXXX And as soon as my credit was in the high XXXX score they added a collection account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31707
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am being charge from convergent outrsourcing in the total of {$2500.00}. I have a fraud alert on my report and a police report on file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XX/XX/2023, I sent two certified mails to Convergent Outsourcing INC requesting a debt validation in regards of Debt {$200.00} reported to XXXX, XXXX, and XXXX. Prior to this I have never spoken to a XXXX from this company. As of XXXX XXXX, I have yet received my debt validation letter from this company. I have disputes this account several times. XXXX removed and XXXX has remove this account off my account but XXXX stated the company provided proof I owe them debt. Which I find hard to believe because I have not received a debt validation letter. This company is reporting this debt as a loan on my credit report and I never agreed to loan. When I called the company from my cell phone, it automatic transfer me to department without me stating my reason for calling. I was calling to verified their address prior to sending the certified mail and the lady kept trying to get me to update my account information. Which is weird because I don't have account with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A