Date Received: 2021-02-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I contacted this creditor ( Convergent Outsourcing ) on XX/XX/XXXX via certified mail ( tracking info XXXX ) Explaining that they need to verify that this debt belongs to me and the only thing they sent me was a old bill which doesn't meet the standards of verifying the debit. I never had an account with XXXX and also didn't recognize the phone number on the account. They failed to show proper evidence bearing my signature and they are reporting negative late payments on my credit report which is not allowing me to get approved with lenders. I sent another certified letter stating that a bill does not prove this account is mine and now they haven't responded and its been over 30 days. Letter sent certified and delivered on XX/XX/XXXX. ( Tracking info ( trackingID XXXX ) I sent another Certified letter on XX/XX/XXXX but I feel they will not respond due to their prior actions so I decided to go ahead and file a complaint. This is the only negative item that is on my XXXX and XXXX that is holding myself and my family back and I really don't appreciate them violating the law and continue to ignore my request. This is inaccurate information being reported and needs to stop immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77578
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX, herein known as " Consumer ''. Convergent Outsourcing IncXXXX are herein known as " third party junk debt buyer ''. On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar.Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal . App. 3d 1092, 1098,223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & SuretyCo., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Got a notification from XXXX XXXX about a collection added on my credit report. It doesn't belong to me. Spoke with someone at XXXX XXXX stating this person that is using my credit report to open an account under me. They were able to locate the person mailing address. I have never been to XXXX XXXX ever in my life. I've lived in XXXX since XXXX never left. Come to find out 5 people lives in that household between the ages of XXXX - XXXX years old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Please provide with proper validation on this accounts and who owns it .cause ima XXXX it send all responses in writing thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Twice I've disputed this account with Convergent Outsourcing and I still have received nothing at all from them! This is a violation of the FCRA! They are required by federal law, to send me the same information that they are reporting to the credit bureaus! I DEMAND JUSTICE! PLEASE HELP ME!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have been working with XXXX XXXX for over a month, trying to make payment to them. They refuse to accept my payment IN FULL. They have ruined my credit and referred me to convergent outsourcing. I called convergent this morning, and they advised they do not have an account with my name, and to call XXXX. XXXX keeps referring me to Convergent. Convergent can not located my account. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14220
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I logged into XXXX XXXX and saw a new account reported under my name for XXXX XXXX for the amount of {$310.00}. The account was initially opened in XX/XX/XXXX. There is no way this account is mine because I live with my parent for the past 3 years. I haven't signed my name over to anyone to open an account for XXXX XXXX. I suspect this is fraud under my name. I have lost my social security card a few years back but made due with a copy I have. I think someone has stolen my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX Convergent Outsourcing ( CO ) reported on my credit reports under their own name a balance due of {$1200.00} in violation of 209 CMR 18.17 ( 11 ) which clearly states a debt collector may not report under their own name on a MA resident report. XX/XX/XXXX I sent CO a XXXX Demand via certified mail informing them of their illegal reporting. I also included a validation of debt request as the original account was not mine and informed them of their failure to inform me of my rights. CO legally had 5 days to provide validation and 30 days to remove the listing from my record. XX/XX/XXXX CO failed to reply in anyway. I sent them a second notice 93A Demand via certified mail. XX/XX/XXXX CO removed their listing from my report and agreed to cease collections. XX/XX/XXXX CO sold this falsified claim for profit to a company called XXXX XXXX XXXX. I sent XXXX a 93A Demand informing them the account was fraudulent. They closed the account. XX/XX/XXXX CO took the account again and sold it again, for profit, to a company called XXXX XXXX XXXX. I sent XXXX a 93A Demand - they agreed to cease collections. XX/XX/XXXX CO took the account and changed (! ) the account number claiming it was new. They reported the listing on my credit reports and continued to attempt to collect. XX/XX/XXXX I sent CO another 93A Demand again informing them of their illegal attempts to collect on a fraudulent account. They failed to reply in anyway. They failed to remove their listing from my reports. CO is in violations of all laws listed below : MA General laws : 209 CMR 18.17 ( 11 ) Unfair Practices, 940 CMR 7.07 ( 15 ) and ( 21 ) Deceptive Acts and Practices MGL Chapter 106 *CC 9-405 ( c ) Failure to furnish reasonable proof of assignment 940 CMR 7.08 Failure to provide validation of debt in required federal and state timeframe 940 CMR 7.08 ( 1 ) and ( 2 ) Failure to provide ANY validation of debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01420
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Attn : Consumer Financial Protection Bureau, And as such, this complaint is in regards to a litany of fraudulent advances by the following entities, such as XXXX XXXX XXXX, Convergent Outsourcing INC, and XXXXXXXX XXXX XXXX, XXXX. Moreover, this matter has been disputed in near the ending of XXXX, and in XXXX, of XXXX, in which I ended up winning on all disputed occasions with all three credit bureaus, but not only that this debt has no impact whatsoever on any of my credit files, or from any of the major credit bureaus. Furthermore, it's a desperate and appalling attempt by all the entities that's still utilizing means of trickful advances with stunts to cause debt re-start, to take advantages in every possible and underlying ways disturbingly. In addition, these advances by XXXX XXXX XXXX, Convergent Outsourcing INC, and XXXXXXXX XXXX XXXX XXXXXXXX ... Are further attempts in which supports ethical fallacies, in written rationale fallacies, extortionate deeds, egregious acts, and downright major monkey businesses in which is seriously and dangerously non-de-minimis in itself etc. Also, please keep in mind that such debt has long exhausted its maturity time frame to collect, and therefore these companies are well aware of every tactics in their mysterious approaches. More broadly, such acts can easily be labeled as knowing and culpable negligence without bias by any body of oversight governmental, and watchdog agencies undoubtedly speaking. However, back in XXXX of XXXX, one of XXXX XXXX XXXX, affiliated entities, such as XXXX XXXX XXXX XXXX, utilized a symbolic method in regards to a college loan of nearly {$7000.00}, stunt-fully and tactfully by incorporating XXXXXXXX XXXX, to where I ended up bringing the matters to the Indiana State Attorney 's General 's Office, and as well as to the CFPB, and won both successfully speaking. " Progressively, one of the attorney 's representing the Indiana State Attorney General 's Office, did share with me that if they XXXX XXXX XXXX XXXX, attempted to come after me, again by any deceitful and unscrupulous acts that they would revise what I layed out to them in complaint and take appropriate actions etc. '' So, in essence it appears that these interchangeables of entities hasn't learned any lessons to cease and desist from trying to underlyingly slight myself as a consumer, and perhaps the many other 's that has fallen to a emblematic approaches by means of ugly ulterior motives. Additionally, XXXX XXXX XXXX, and companies affiliated will stunt-fully share a debt within their entities to entrap myself on multiple occasions, and I also believe that this is an unethical plan that is being utilized against otherly consumers to trick disadvantageously speaking, especially for those consumers that are not wisely privy to these nefarious acts by XXXX XXXX XXXX, and their affiliated counterparts. In further, XXXX XXXX XXXX, also utilize means of in writtens of harassments, invasion methods of privacy by tracking consumers in credit establishments and to track where consumers are residing etc. It's a disgraceful act to begin with, but one that should be seriously investigated at the highest levels, that way the highest levels of justice 's can be levied without questions. Progressively speaking, I am calling for an immediate investigation against these affiliated sister companies, as well as against XXXXXXXX XXXX XXXX XXXX. Also, I would like for what I've shared thus far to be shared with multiple governmental agencies as a further means of helpful and informative information etc. And I will do my part as reflecting to a lawyerly pursuit, because it's time that these entities are taught a severe consequential lesson etc. Furthertively speaking, these in writtens and shared chronicles now concludes the despicable acts of all the aforementioned entities that will for surely be facing swift and vigorous justices in a timely manner. Please Note : Verifications of documents attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Convergent Outsourcing sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX in the amount of {$2400.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that It has been 4 years since the last payment was made to the disputed phone account. The statute of limitations under California law to collect this old debt is already in effect and Convergent Outsourcing should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " If you do not pay the debt, Convergent Outsourcing , Inc. may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting ''. I believe this kind of action is a violation of FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A