Date Received: 2021-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a letter dated XX/XX/XXXX and received XX/XX/XXXX from Convergent Outsourcing stating that there was a XXXX XXXX debt of XXXX. 1 ) I have lived in AL since at least XXXX and have not had XXXX. 2 ) I have not received any XXXX bill and this is the first letter from Convergent giving me 30 days to dispute. 3 ) Before I can even dispute, this debt is appearing on my credit report as of today on XXXX. 4 ) This debt states date opened as XX/XX/XXXX, status date of XX/XX/XXXX, no other date history reported on the delinquent mark.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account name CONVERGENT OUTSOURCING has report this debt to all credit agencies. This acct has no balance, I also spoke with XXXX who stated there was nothing due when I closed the account. XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2021 Status Collection account. {$360.00} past due as of XX/XX/2021. Status updated XX/XX/2021 Balance {$360.00} Balance updated XX/XX/2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled with Convergent Outsourcing for a phone bill. I did not recognize the debt but paid to have it deleted from my credit report. They list it as paid, but they have not deleted it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78728
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the current amount, high credit, payment history, and the comment to verify this information. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In 2016 I settled an outstanding XXXX XXXX bill and negotiated an amount and paid it in full. The debt collection agency ruined my credit with this and my credit report reflects it was paid in full. I added a statement to my credit report explaining what occurred. Now 5 years later they are again trying to extort money from me. This has to cease ; they can't just continuously harass me about a 5 year old debt that was settled. This is fraudulent practices and someone needs to stop this extortion and fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX a random person opened a cable account in my name fraudulently at XXXX XXXX in XXXX XXXX somewhere I have never lived in my life had it set to be installed on XX/XX/XXXX and was in service until XX/XX/XXXX leaving the accountwith XXXX in charges. I only recently received this information through my credit report in XX/XX/XXXX and have been stonewalled since, but because a young man at XXXX was kind enough to actually give me some tiny bit of information I can finally have this taken care of. I have been trying with no success for multiple months to get this resolved. The collection agency Covergent Outsourcing has been harassing me flagging my credit constantly causing over 100 point drop in my credit and was refusing to give me any information once I stated I was going to file a police report. I have attached the approved police report. I was XXXX during the interim of this incident and have provided docs as proof. Thank you for your time in this matter. This collection agency Convergent Outsourcing has done nothing to help alleviate the distress caused by this identity theft I am dealing with. I have basically given up hope that this identity theft will be removed from my credit record due to how aggressively this company tries to collect unwarranted debts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been requesting validation of debt since XX/XX/XXXX, XXXX convergent outsourcing have not Verified debt is mine/I owe them money. I have sent 4 letters requesting proof. The first letter sent was XX/XX/21 The second letter sent was XX/XX/21 The third letter sent was XX/XX/21 The fourth letter sent was XX/XX/21 I asked for proof of licensure They are not license to even collect debt in Illinois. I have sent all this information to XXXX And they have ignored every document sent. Im sending all documentation to states attorney general/ cfpb /FTC. I am filing this document for further proof moving forward ..... I want XXXX to remove invalidated debt from all XXXX and all background agencies, immeadiately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received the most recent debt collection letter for XXXX XXXX XXXX today, XX/XX/XXXX. It came from a company called Convergent. This is the 5th Collection company that XXXX XXXX has sold this debt to. I do not owe this debt and it has been successfully disputed and removed from my credit report 3 times. The most recent being in 2020. I receive harrassing calls from Covergent for them and they are continuously hurting my credit score. I do not know who XXXX XXXX is and when Iasked for proof from them in XXXX, they could not provide any documentation. I am pretty sure that this is a credit scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received two collection notices from Convergent Outsourcing , Inc. - attempting to collect a debt or debts. Each notice is for {$410.00} ( so, total of {$820.00} ). The creditor listed in both cases is XXXX XXXX XXXX. It looks like the debt was originated on XXXX XX/XX/2021. This is not my debt. I have never bought a XXXX product and do not owe these two debts. I'm assuming that this is the result of some identity theft.. I have a call into Convergent
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: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A