Date Received: 2021-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. 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. 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. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent outsourcing is continuing to contact me about a debt that is not mine I disputing this information multiple yet they still are verifying it's accurate without any paperwork giving to me or the bureau with proper verification
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: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing a complaint against CONVERGENT OUTSOURCING because they are attempting to collect a debt that I do not owe them. Account Name : CONVERGENT OUTSOURCING, Account Number : XXXX Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete. 1. What certified documents were reviewed to conclude your investigation? 2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? b. What was the date? c. How long was the conversation? d. What was their position? e. What number did you call? f. What is the name of your employee that spoke directly to the creditor? g. What is the position of your employee that spoke to the creditor? .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing a complaint against CONVERGENT OUTSOURCING because they are attempting to collect a debt that I do not owe them. Account Name : CONVERGENT OUTSOURCING, Account Number : XXXX. I would like for CONVERGENT OUTSOURCIN to show proof of verification that I owe them {$1200.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12208
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XXXX XXXX I disputed an account in the amount of {$3200.00} I had in collections to have been fraudulently opened. It was removed from my credit report. Then it was reinserted into my credit report in XX/XX/XXXX. I was not notified at all. This reinsertion lowered my credit score and also started the illegal re-aging of this account! I sent a certified letter to XXXX asking them to remove this Item off my credit report but haven't received a response and haven't been notified that they received this letter. This account is now open and last reported to the credit bureau on XX/XX/XXXX. Negatively affecting my credit on a monthly basis.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: CONVERGENT OUTSOURCING contact me about a debt related to a gas bill ( XXXX XXXX ) I told the collection company that I already paid that bill directly to the main creditor. They kept calling me about it like over 10 times and every time I tell them its already paid. They reported my account as delinquent on ( XXXX- XXXX ) I disputed the debt through the web site of both of ( XXXX & XXXX ). XXXX fixed and deleted the debt but XXXX was not able to fix it, I disputed it again and they still unable to fix & delete it after I sent them my bank statement shows that I paid the debt to the main creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a numerous amount of inaccuracies on my credit report as a result of me being a identity theft victim. XXXX XXXX account opened XX/XX/XXXX for a total amount of {$890.00}. This account is derogatory on my report. XXXX XXXX XXXX opened XX/XX/XXXX which is delinquent and a total of {$470.00}. Convergent Outsourcing which is derogatory in collection. Opened XX/XX/XXXX with a total of {$750.00}. There is also a numerous amount of inaccurate inquiries on my report due to identity theft for car loans and credit card companies. My XXXX report also stated that my personal information was found on the dark web. Due to identity theft my credit score dropped over 100 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX compromised my identity by a system breach so I moved from XXXX to XXXX. XXXX promotion paid off our phones and we transferred services. I went to the XXXX XXXX CA locations and spoke to the store manager and made the prorated payment as asked. When I left the location I had a XXXX {$0.00} balance. On my credit XXXX ( Convergent ) has been reporting an inaccurate balance since XX/XX/2016 and I have disputed this several times with all 3 credit bureaus. They have sent an inaccurate bill dated XX/XX/2016 to ''provide proof '' to keep this on my credit when it has been paid off. XXXX and XXXX are now sister companies and they need to correct this situation between the 2 of them and remove the items from my credit as it is not my debt and I should not have a negative impact on my credit because of this. This is unfair and illegal to collect more then once on the same bill. I have paid companies to clear this up and has cost me hundreds of dollars! I have spent more then the bill because its the principle of the matter!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing has placed a debt on my credit reports on behalf of XXXX. I have never signed an agreement with Convergent Outsourcing stating that I would paid a debt to them on behalf of XXXX. I have not agreed to pay XXXX for any of their services or opening an account in my name. For I do not recall coming into agreement with Convergent Outsourcing or XXXX for any account or services. It appears the amount owed for this debt that does not belong to me is {$750.00} with a partial account number XXXX reporting on the credit bureaus. At this time it is my legal request to have both Convergent Outsourcing and XXXX to dismiss and close out this debt and remove it from all 3 credit bureaus and their database.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60181
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
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: I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A