Date Received: 2021-09-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have submitted several request of investigation on my credit report. Several accounts show inaccuracies and violations and the investigation took well over 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94085
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted this company numerous time no reply... I have XXXX credit and they are sending me mail stating I owe them for a XXXX XXXX I pay for everything up front .. Ive wrote them 5 times asking them to send me proof no reply this is not acceptable. I never received to explanation only a collection letter that's it in the amount of {$280.00} collection agency CONVERGENT OUTSOURCING INC # XXXX COVERGENT ACCT # 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: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My complaint is about the final bill from XXXX XXXX. XXXX did not provide the service that I was charged for and the claim should be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65616
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a bill today ( XX/XX/XXXX ) in the mail from a debt collector ( Convergent - XXXX ) telling me that i owe {$2100.00} associated with XXXX XXXX ( XXXX ). Apparently, someone that lived or was associated with property at XXXX XXXX XXXX. XXXX, Michigan used my identity to get electric at this address from XX/XX/XXXX to XX/XX/XXXX. What i can tell you that i never lived in the state of Michigan. I never stayed overnight in the state of Michigan and I NEVER authorized ANYONE to use my identity or my name, etc. to purchase anything from XXXX XXXX. I've NEVER had any agreement with XXXX XXXX ... I NEVER lived in their service area. My identity was stolen to gain these services from XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Requested the reporting information be verified and validated to identify the responsible party of this debt. The verification and validation would include identifying information. With accounts such as mobile carriers in order to open an account, the responsible party must be XXXX years old, provide an valid state ID and sign a binding contract. Requested documents did not provide any of that information and the request is being denied and refused. It is important that the requested information is supplied which will accurately prove who is responsible for this account. If either party does not want to furnish this information than the reported information must be removed and deleted. XXXX supplied a phone bill cycle with different account numbers which does not validate nor verify who this account belongs too. This is not an original signed and dated agreement or contract with the signature of XXXX XXXX and does not contain a valid ID, required to obtain this kind of account. All of this is very important because XXXX would have been XXXX years old according to some of the dates already provided in these responses. XXXX XXXX & Convergent Outsourcing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44446
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On ( XX/XX/21 ), I sent by certified mail ( receipt number : ( XXXX ), a request for convergent to provide me with proof and evidence of the debt they alleged I owed. In that same letter I also included my cease and desist instructions. After verified delivery of my letter ( via their office 's signature ), they proceeded to mail a simple bill on XX/XX/21 in an attempt to collect a debt, which is a violation of 15 USC 1692b ( 2 ), and is NOT considered a " validation of debt '' by any means. They may wish to familiarize themselves with what is required when validating a debt. I attached a list of the requirements to VALIDATE this alleged debt. Their office also proceeded to contact me after the delivery and acceptance of my certified letter. Contacting a person after a cease and desist can lead to serious trouble for their agency including damages of up to {$1000.00} per incident. I NEED THIS DELETED from my consumer report IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX and XXXX at approximately XXXX XXXX, Convergent Outsourcing in XXXX, Michigan called me. I don't answer my phone if I don't recognize the number and of course, I didn't recognize the number and they did not leave a message because I blocked the number. I did a XXXX search and that's how I found out that Convergent is a debt collection agency which for the record, I do not owe anything to anybody so it's either a scam to try to get money from me or it's the wrong number. I do, however have my phone service through XXXX and again, I did a XXXX search with Convergent and XXXX and found out that they teamed up and could be trying to scam people into claiming that they have an outstanding debt from XXXX and they don't, well I don't anyway. So with all that being said, they need to quit calling me and harassing me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2021 Convergent Outsourcing called me 2 times, both times I asked them to never call me again. They are trying to collect a debt on behalf of XXXX in which the Company I worked for cancelled the credit card. This debt was incurred by XXXX XXXX, not myself. On XX/XX/2021 Convergent Outsourcing called me at XXXX XXXX cst I once again told them to stop calling me and said I needed to call XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The XXXX debt was removed and resolved from my credit report. The company will send it to different credit agencies and affects my credit report. It is removed each time however it keeps dropping my score everytime the send it to another agency. It has been going on for over a year now. I just received another letter from another agency from XXXX and I feel like I'm being harassed. This last agency is Convergent with date of XX/XX/2021. I didn't save the other ones because they were resolve but this is becoming to much.
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: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This started with XXXX in XXXX of XXXX. We moved that month and were told that upon moving, our internet would go through a " transfer-of-service '' ( meaning that our account and set billing cycle would stay the same and just be transferred to the new address ). This did not happen. After two days of being on the phone with XXXX, we finally were able to get our internet up and running, I was told on the phone by the rep that a new account would have to be made, but the old account from the previous address would be cancelled- which was fine by me. Fast forward a month a later ( XX/XX/XXXX ), I get an email from XXXX saying that our bill was past due ( and the address in reference was the old address. Unfortunately, I can not recall the amount at the time, but it has since gone up to {$480.00} ). I called XXXX and explained the situation. I was told by their representative that they would waive the bill due to us moving/ transferring service, and that the charge would be removed. I was glad to hear that. A few months later, we received a letter in the mail from a debt collector ( company name is Convergent ) requesting payment for an amount of {$480.00}. At this point, I'm livid. I called XXXX to explain my situation ( again ), and was told by the representative that this would be taken care of, and not to make any payments because I have no charges or debts associated with my current account or the previous account that was closed. Since then, we have several more letters requesting payment for {$480.00} from Convergent. In fact, we just received one that was dated XX/XX/XXXX. I didn't make an attempt to call due to XXXX 's assurance that the charges would be waived and their advice to not make payment.
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: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A