Date Received: 2020-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debt is from XXXX XXXX that claims I took a student loan out with them back in XXXX. I have never done business with XXXX XXXX after closing my account in XXXX. This is a revolving issue that gets sent from debt collector to debt collector. The debt is not mine, nor has any ever provided any information that shows the debt is mine and is a real debt owed by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93933
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I PAID THIS DEBT IN FULL WHEN I SWITCHED CARRIERS! Every few months XXXX sends it to collections over an error on their part. I do not owe this amount, nor am I going to pay it. Furthermore, this new collection agency they sent after me is illegally harassing me. They have called multiple times between the hours of XXXX - XXXX, they have refused to identify themselves without me giving them personal info which I will not do. Because they refuse to identify themselves, they have also not sent a written validation notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has attempted to collect XXXX dollars from a cable bill from Oklahoma. They have used 3 different collection agencies and every time I get this item removed as not being mine ( identify theft ) when the new collection agency gets it I have to speak with the 3 bureaus and write to this board. I do not owe this debt and I have never lived in Oklahoma. There has to be a law against those type of harassment by XXXX XXXX and the most recent Debt collector. Originally I had also filed with the XXXX XXXX in XXXX, Florida a police report to dispute the original collection attempt.here is the name of the new agency : CONVERGENT OUTSOURCING Past Due Amount : {$1700.00}. My phone is XXXX. This has lowered my Credit score from XXXX to XXXX and you can imagine is causing me heart ache.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent convergent outsourcing a certified letter on XX/XX/2020 which they received on XX/XX/2020 asking for proof of this debt, I have never had XXXX, I have been with XXXX XXXX for as long as I have had a phone and can provide proof, so I know this is not my debt. I would like to see verifiable proof such as a signature, contract, or drivers license so that I can get to the bottom of this problem but they will not respond but yet continues to post this debt on my credit report, I would like to see verifiable proof or for this fraudulent debt 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: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Convergent Outsourcing is the collection agency that has reported an account on my credit reports, original account owner is XXXX. This debt has been paid and I want it removed from my reports immediately. I have tried asking them and they refuse. The account number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83401
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a letter to Convergent Outsourcing asking for verification of this debt on XX/XX/2020 and have not received a response from them, I have lived at my current address for over 6 years and have never had XXXX services ever, I can provide my monthly statements showing my cable and internet services have been with XXXX for the entire 6 years. I would like to see some proof such as a contract, drivers license, or signature for the account in question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a bill for {$490.00} from Convergent Outsourcing Inc., a collection agency They said I have a XXXX account balance thru XXXX XXXX XXXX The address on file was an old address of mine 4 years ago The email they have on file is : XXXX. I have never had this email or ever heard of it before I had a similar problem with XXXX and XXXX XXXX using this same address in XXXX of 2020. That went thru XXXX XXXX XXXX for the exact same amount .That issue was fraud and resolved in my favor. My credit score and account with XXXX is locked and has not been breeched
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I 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: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Pennsylvania. XXXX XXXX Consumer Reporting Agency XXXX. XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas. XXXX Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( Account number XXXX Collection opened XX/XX/XXXX Balance on XX/XX/XXXX {$200.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX : XXXX/XXXX/XXXX SSN : XXXX Prior CFPB Complaints : XXXX : ( XX/XX/XXXX ) XXXX : ( XX/XX/XXXX ) Notice of Dispute for Debt Not Due Under the Fair Credit Reporting Act Complainant, XXXX XXXX XXXX, a resident of XXXX XXXX, XXXX County, Texas, brings before the Consumer Financial Protection Bureau ( CFPB ) this Complaint against XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ), Consumer Reporting Agencies, collectively referred to hereinafter as ( CSAs ), Convergent Outsourcing ( Convergent ), XXXX XXXX ( XXXX ) for : a. The reinsertion in his consumer files by the CRAs of previously deleted items of information, unverified and uncertified for accuracy furnished by Convergent, that Complainant is indebted to XXXX to the sum of $ {$200.00} without notice to Complainant of the reinsertion within five ( 5 ) days of the reinsertion, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ) and, further, to b. Dispute the validity of the reinserted information as provided pursuant to 15 U.S.C. 1692g, and in support hereof presents : 1. On or about XX/XX/XXXX, CONVERGENT, a third-party debt collector, opened a collection action on behalf of its principal, XXXX, to collect a balance allegedly due XXXX by Complainant to the sum of {$200.00}. ( See : Account No. XXXX ). On or about XX/XX/XXXX, Convergent reported its collection action to the CRAs for inclusion in Complainants consumer files. 2. On XX/XX/XXXX, Complainant registered Complaint with this agency against the CRAs and XXXX XXXX XXXX ( XXXX ), a third-party debt collector, seeking resolution for the exact same issue. ( See : CFBP ID. Nos. XXXX and XXXX ). 3. Upon reinvestigation it was determined that I was not indebted to XXXX to the sum of {$200.00} 25 and the information was DELETED from Complainants consumer files with the CRAs and remained so until XX/XX/XXXX. 4. The only difference is that upon those complaints the third-party debt collector acting on behalf of XXXX was XXXX and not Convergent. The fact remains, however, that the information furnished the CRAs regarding Complainants alleged indebtedness to XXXX is the same information that was determined to be inaccurate and deleted from consumer files. 5. Annexed hereto is a copy of CFPC Complaint submitted on XX/XX/XXXX. For the reasons assigned therein I DISPUTE and REASSERT that the information furnished the CRAs by Convergent to as to my indebtedness to XXXX is inaccurate, false, misleading, unverified and AGAIN warrants REMOVAL from Complainants consumer files with the CRAs. Pursuant to the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ), CRAs are obliged to adopt reasonable procedures to prevent the reinsertion in consumer files previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by debt collectors and other furnishers of information. 6. As the reappearance and reinsertion of information regarding Complainants indebtedness to Reliant into Complaints consumer files appears to be an annual event ( every XXXX like clockwork, with the only difference being the identity of the debt collector ), Complaint asserts that the CRAs have willfully and negligently breached their obligations to adopt reasonable procedures to prevent the reinsertion in consumer files previously deleted items of false, inaccurate, and unverified information uncertified for accuracy furnished by debt collectors and other furnishers of information in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( ii ). 7. The foregoing considered : Complainant respectfully requests : ( a ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). ( b ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). ( c ) Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to XXXX, XXXX, and XXXX consumer agencies by CONVERGENT. ( d ) The CRAs cease and desist from reinserting into Complainants consumer files previously deleted items of information regarding Complainants indebtedness to XXXX irrespective of the identity of the debt collector. Riding upon this merry-go-round every year regarding a BOGUS debt claim is getting OLD. Moreover, its illegal and constitutes HARRASSSMET under the terms of the Fair Credit Reporting Act. Neither any other Complainant nor I should have to endure this scenario year-after-year. 8. The CRAs, Convergent, and XXXX are hereby put on notice that if SUSPENSION of collection activities, including the removal from Complainants consumer file of the previously deleted information complained of, are not effected withing thirty days of receipt of this Complaint, suit will be filed for damages, injunctive, and other available relief in a court of competent jurisdiction. Again, this manure needs to STOP. 9. A copy of this Complaint is being submitted to the Attorney General for the State of Texas for receipt and treatment as a consumer complaint before that Office as permitted by law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78852
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Receiving several calls a day from this company. I asked to verified the which they have ignored with no response. If they can verify the debt I'll be more than happy to pay the amount owed to them otherwise they need to spot calling me and delete their information from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93033
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A