Date Received: 2021-12-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of XX/XX/2021 Convergent outsourcing inc., is committing fraud based on the fair reporting act. On XX/XX/2021 I turned {$350.00} of equipment to XXXX XXXX. They are claiming I owe {$410.00} for services and {$350.00} for equipment. I have already turned in the equipment and XXXX XXXX has accepted the items, convergent refuses to get in touch with their client, and are committing fraud by false reporting for the last XXXX months since XX/XX/2021. Here is my proof, If Convergent continues to commit fraud, I will have no choice but to seek legal recourse. I already filed a complaint with your agency ( CFPB ) on XX/XX/2021 but because of your computer system freezes when trying to add supporting documents over the phone, I believe that is why the first dispute was closed. Please ask Convergent Outsourcing why they refuse to get in touch with their client. I believe Convergent Outsourcing is committing fraud by not reporting accurately. I believe on behave of their client they are reporting inaccurately because they want the money for the equipment and not the actual equipment. I'm not going to pay for equipment I already turned in per my proof in the receipt. If they want me to pay for the equipment instead of turning it in like I did then that means that equipment is my tangible property they are in possession of, That is THEFT AND FRAUD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This company is still reporting this account on my report after I filed an FTC report for identity theft. This is not my account and it was opened as a result of identity theft. They still refused to remove the account after I sent in my FTC report documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, CONVERGENT OUTSOURCING, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I have never signed a CONTRACT or PROMISSORY NOTE with the company CONVERGENT OUTSOURCING.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On my credit report I have a collection account with XXXX in the total of {$1400.00}. I have never received verification of the amount that is owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have attempted numerous times clearing up a debt on my credit report that is not mine. XXXX cable opened an account in my name that I never authorized. I also never lived at the address they opened the cable account in. They can see my address history on my credit report and the address on their account I never lived at. They keep sending me a paper asking for police reports and massive amounts of personal information. It is their responsibility to prove the account is valid not mine. I have no collections on my credit besides this fraudulent account. XXXX cable removed the account for many months then all of a sudden they have now sold the account to convergent outsourcing and they began reporting an account starting XX/XX/2021. They are again trying to collect on a fraudulent account. They are also attempting to start reporting on me again from 2021. This account I have been fighting for years!! It was not opened in 2021. I want this account removed! I am attaching a screenshot showing that XXXX cable is attempting to report on my credit again and I have disputed it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was result of someone getting cable in my name. Debt is not mine though I paid it to have it removed from my credit profile. I spoke with XXXX XXXX who said if taken care of if would be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had no knowledge of this account until it hit my credit report. I never signed up for a XXXX account. I have never received a bill from XXXX. I tried to call XXXX about this but they transferred me to a third-party debt collector ( Convergent ). When I provided the customer service rep at Convergent with my name, she said she couldn't find any account under that name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60646
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX. Received a notice from Convergent Outsourcing regarding an amount owed to Florida Power and Light of {$760.00}. XXXX. XXXX XXXX called Convergent on XX/XX/2021 to explain that they had the wrong person ; that we have never had an account with Florida XXXXower and Light, and that they should be going after the right individual. XXXX. XXXX XXXX asked the representative for the social security number of the individual to see if it matched XXXX XXXX XXXX social. XXXX. The rep would not supply any of the numbers for confirmation and insisted we supply the social security number of XXXX XXXX. XXXX. XXXX XXXX would not supply since we did not know who we were talking to and what would happen to this information. XXXX. XXXX said the call was over since I would not supply the info SHE wanted. XXXX. So no resolution to the problem. XXXX. Tried to call Florida Power and Light, but met with frustration as they had no real person to speak to, even though this was obvious fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent sent a letter requesting that I pay a debt that is not mine. I asked for validation and they sent me a contract with a signature that is not mine. It looks like the signature my be XXXX, not sure what the last name is. Please look at the signature pages. I have asked them to remove this from my credit file but they refused. Please help. This is injurious to my credit as well as my character. I pay my bills on time and have no collection accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They are reporting inaccurate and non verifiable item to the Credit bureau and I have send them a letter over 2 months to show me proof of how this come about and nothing from them up todate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A