Date Received: 2021-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Convergent Outsourcing , Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX , WA XXXX has been reporting me owing an outstanding balance of {$340.00} to the credit bureaus. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debit is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a XXXX collection that was from identity theft. I notified the collection company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I feel the company violated my consumer rights, which i have proof of! They owe me remedy per violation they committed. I will begin to further explain. I spoke with XXXX XXXX & XXXX XXXX The company " XXXX XXXX XXXX '' as shown in screenshot of phone call received or " Convergent Outsourcing '' as stated on the phone by XXXX XXXX who addressed himself as the manager. I began to let him know that I do not owe said alleged debt, and i am aware of my rights in which they are in violation of. At that point XXXX Who represents said company as manager began to state verbatim " most people talk out of their XXXX and are really XXXX and do not know the laws '' at that moment i alerted him i will be filing a report with the CFPB to exercise said rights. I spoke with this same company the day prior and told them DO NOT call my telephone anymore, at which point they obviously ignored, and were Willfully Noncompliant as per 15 U.S. Code 1681n - Civil liability for willful noncompliance Pursuant to federal Law, I am The Original Creditor, Natural Person, & Consumer Per 15 USC 1692A.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90404
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a notice from XXXX stating my credit had been flagged I have, & NEVER miss payments as I have a high credit rating and knew that what they were saying was impossible.. It came as a debt they say I owed XXXX I have the XXXX account number and I knew there could be no money owed as so purchased my number and had it ported to another company over 2 years ago.. They never port, or sell a number without all accounts paid including the last bill.. I still contacted them they gave me the account number and said there was a XXXX balance as well.. After further investigation, I saw the name CONVERGENT XXXX Mind you, I have never been contacted by this company other than to ding my credit and a look into my identity was posted..I have tried to reach them to no avail!! Its JUST UNBELIEVABLE!!! I have since discovered it is Blatant FRAUD, I am following up with you because it has been brought to my attention that others have tried as well Please get back to me, so we can not only stop these people but rectify the situation.. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection Company They committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations. I have never give them a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine. I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. I have disputed the alleged collection with XXXX and XXXX several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Collection agency [? ] Convergent Outsourcing Original balance [? ] {$280.00} Date assigned [? ] XX/XX/2020 Original lender [? ] XXXX Account number [? ] XXXX Account holder [? ] Individual debt was paid and company refused to take it out of collections
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39213
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Wa XXXX Has been sending me collection notices. The collection has been reported as ast due balance. I dont not know this company. This company does not have a contact with my signature. This debt is a 2018 debt i was incarcerated at this time ive tried to resolve this error with convergent outsourcing inc multiple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have had calls every day for two weeks on my work cell phone. At work at XXXX XXXX like clockwork. When my legal aid help called for me and asked if they were a debt collector they refused to inform him without confirming it was me they refused to give him a manager they refused to give any divulgence of any information and then hung up on him on seven different occasions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A