Date Received: 2021-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98310
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon checking my credit file Ive noticed a company named Convergent outsourcing Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from above company to be removed from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: CONVERGENT OUTSOURCING, INC. is refusing to remove a collections report from my file. I do not owe Convergent Outsourcing any money. I never paid Convergent Outsourcing any money. I have been trying since the XX/XX/XXXX to get this collection removed from my credit reports. I have filed two disputes. Convergent blocked the disputes because they keep telling the credit report companies that I paid them money when I did not. My account with XXXX XXXX is closed. XXXX said that I don't have a file with them and that I need to clear the matter with Convergent. Convergent says I need to clear the matter with XXXX. Convergent lied and says that I communicated with them about this account two days ago ( XX/XX/XXXX ), which is impossible as that was a Sunday, and I never called them anyway. Today ( XX/XX/XXXX ) is the first day I have ever contacted Convergent because I was told to do so by the credit bureaus and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: HI COI ; XXXX ; : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on. my credit report, it has been well over 30 days and haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX on XXXX XXXX Mail a letter to Validate to Convergent. According to USC15 1692G Individual Action 1. Convergent did not comply 5 days after speaking to me 2. Convergent was given a request to validate debt and did not provide validation 3.Convergent has not stopped ceasing to collect on the debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: This company had me on a contract for a price that lasted 12 months. This price was raised without me basing aware. I called and disputed this last month they agreed to adjust the price. I have now received a letter that they sent it to collections. The price was not changed or adjusted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ive been constantly harrassed by XXXX XXXX for a bill i have no recollection about. i have tried to contact them to fix the solution to get off my record and no agreement can be made. i produced my affidavid and forms and they refuse to acknoledge it.its been months and its still affecting me. its the collecting agency named covergent amount of bill are XXXX for XXXX bill and XXXX for a XXXX bill oppened fradulantly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XX/XX/2021, I sent a letter to Convergent Outsourcing requesting requesting legal documents about this alleged debt they claim I owe them. I am not liable for this debt with XXXX and I do not have a contract with Convergent Outsourcing. In addition, they did not provide me with the original application like I asked them. They sent me some statements, but fail to provide me with the original application therefore they need to delete this account from my credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a duplicate account and I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. This is reporting {$0.00} balance on 1 collection and reporting a balance on another 1 collection account. This is a violation of my right under FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02745
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A