Date Received: 2020-05-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have tried to get the company to stop reporting incorrect information. They arent responding to my correspondence and I want to deal with the original creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this debt off while trying to buy a home, and now it is being reported on the other two credit bureaus. This is causing me economic harm. Please stop reporting this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-01
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 incorrect items on my credit report. Its been well over 30 days and I havent 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: 11003
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have tried reaching out to this company about the debt, because it is not mine and I had my valuables stolen a few years ago with all of my personal information compromised. I would like if they an remove this debt off of my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am submitting a complaint about several collection agency that is continuously reporting false information on my credit report. I have tried reaching out to the creditors and the credit bureaus several times, I have also disputed the inaccurate debt with the credit bureaus. The collection agency do not have the proper paperwork that this debt is mine and/or that the debt has been paid off. The collection agency Convergent Outsourcing inc that states I owe XXXX $ XXXXThis reporting is not accurate this was paid in full and/or I returned cell phone to XXXX by mail in lieu of paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a credit monitoring alert indicating on my XXXX credit report that a collection item from CONVERGENT OUTSOURCING was placed in my credit report. I do not have any record of doing business with CONVERGENT OUTSOURCING, I dispute the validity of the debt which does not have an account number, original creditor or any verifiable account information. This unverifiable collection item needs to be immediately removed from my XXXX credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Convergent Outsourcing Inc called me everyday for months. They would call and ask me for personal information. I did not want to give them my SSN, birthdate or anything else. I offered to verify what they have. I also asked for a written notification. Instead they hung up and called back every day and did the same thing. They also repeatedly called my office phone without permission and any records they bought would have a do not call work on file. They must have looked up my new employer. When I finally received a letter, I called to make arrangements on XX/XX/2020. The agent I spoke with offered a settlement of one payment of {$700.00}. I agreed to a payment on XX/XX/2020. This is recorded. The agent instead, processed an immediate payment on XX/XX/2020 and scheduled a second payment of {$700.00} for XX/XX/2020 for a total of {$1400.00} and not the {$700.00} of the agreement. I called the next day to explain the payment had been processed sooner than I agreed. The representative informed me she would refund the {$700.00} and mark my credit that I failed to comply with a negotiated settlement even though she clearly understood her company had misrepresented the situation. I asked for another agreement in writing this time and was told it is their business practice not to offer any agreements in writing until AFTER the payments are made. This type of company is the reason consumer protections had to be created in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my credit report. I found a XXXX bill for {$1000.00} from an account that was opened in XXXX of 2017 that did not belong to me. I contacted the debt collector to find out who the debt belonged to. I was told that the debt belonged to me even though I was given no validation of the debt, I never received any bill for the debt and I was never contacted about the debt by having a bill sent to me for an account that supposedly belongs to me. I informed my local police department and filled out a voluntary identity theft form and then was given a police CAD report recording the incident for further use with the collection agency and the credit bureaus. All of which ignored my efforts and just sent back information that this debt was verified. How could a debt that does not belong to me that is not even in my name be verified as my debt. I request a full investigation be done of this alleged debt and how the investigation was done with all relevant paperwork including original creditor documentation, business records, full accounting, a sworn affidavit from someone with personal knowledge of the debt. Some valid contractual obligation which is binding for me to pay this debt. Also, to produce the documentation from the alleged creditor authoring this company to collect this debt in their behalf. I am sending my most recent letter to Convergent Outsourcing requesting this information again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent says I owe money on a XXXX XXXX bill from XXXX and XXXX. I have never been with XXXX. I do not owe this and I received a letter wanting to discount my bill if I payed now. yesterday the XXXX of XXXX, XXXX. I called the 800 number and they had a phone number they said I owe on and I do not recognize this number nor have I ever received a bill for this number nor anything from XXXX. I have excellent credit and always have. This hurts my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Debt was disputed through XXXX in XXXX with no response from company. Statue of Limitations has passed on this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A