Date Received: 2020-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my credit report on both XXXX and XXXX i noticed that there is a collection from XXXX / Convergent Outsourcing. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Collection Details : Company : XXXX, Convergent Outsourcing. Date : XX/XX/2019 Amount : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 I've sent a letter to XXXX disputing and requesting the removal of debt Convergent Outsourcing. XXXX reported the account as verified. On XX/XX/2020 I sent another letter to XXXX disputing the same account in concern requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they may have on file of the accounts listed. XXXX could not supply me with any document with verifying proof but yet again they stated it was verified as accurate. I have also sent letters out to Convergent Outsourcing requesting validation of the account claiming that I owe any obligation to them. Not only have Convergent Outsourcing ignored my prior requests for validation of debt sent by Certified letter # XXXX XXXX XXXX XXXX XXXX XXXX delivered & signed receipt on XX/XX/2020 at XXXX, but they continue to report this debt to the credit bureaus causing damage to my character. A second letter was sent to Convergent Outsourcing on XX/XX/2020 formally advising that I believe their company has violated several of my consumer rights. Specifically, Convergent Outsourcing failed to validate a debt and again blatantly ignored my request, which is a FDCPA violation and yet they still continued to report a disputed debt to the Credit Bureaus : another FCRA violation. As we all are aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean Convergent Outsourcing agrees with me that this debt is false. I will use the Estoppel in my defense. I also specifically stated that I expect to receive the proof requested within 15 days of the letter sent on the XX/XX/2020 letter which they again ignore my request for validation of debt. Today I will be sending out my final letter in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D to XXXX prior to seeking legal damage if my concern is not rectified by the removal of the dept from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received letter stating I owe {$190.00} to XXXX XXXX and I have never missed a payment in the last 25 years I have been doing business with them and continued to be a current customer. This is some type of scam company and needs to be shut down!!!!!! Letter was opened on XX/XX/20 and letter dated for XX/XX/20.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32533
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Covergent Outsourcing, Inc XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WA XXXX Claiming false late payments In XXXX, XXXX & XXXX in which I did not have a written contract with my signature with your company nor XXXX. Did not report to all three credit bureaus. Account was closed in XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06360
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail today, XX/XX/2020 from Convergent Outsourcing , Inc. stating that " the records of XXXX XXXX show that your account has a past due balance of {$5500.00}. Creditor : XXXX XXXX Client Account # : XXXX Convergent Account # : XXXX Reduced Balance Amount : {$2700.00} Total Balance : {$5500.00} Convergent Phone : XXXX The letter was sent to my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have never heard of XXXX XXXX. I don't have an account there and never have done any sort of business with them. I have an outstanding credit record. I have been a victim of credit fraud twice before. The CFPB kindly helped me clear my name and restore my credit record. I can't believe it is happening again! Please help! Thank you in advance for your help. I look forward to your response, Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, XXXX XXXX XXXX. XXXX. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I pulled my credit report for XXXX and XXXX and both showed and account for CONVERGENT OUTSOURCING INC for the total amount of {$970.00}. I have contacted all 3 companies in an attempt to remove this account from my credit file. I sent a series of four letter requesting the verification of this debt I owe to CONVERGENT OUTSOURCING INC ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all certified. The first 2 were collection account validation letters of which I received 2 responses on XX/XX/XXXX and XX/XX/XXXX with an itemized copy of a XXXX bill will my name on it. I then sent my last 2 letters of I requested validation of the debt under the Fair Debt Collections Practices in addition a copy of Spears Vs. Brennan as an example of how their response does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. I then was sent a fraud packet that looks from XXXX to fill out but to send it back to CONVERGENT OUTSOURCING INC. with a copy of my police report and license. I Never signed a contract with Convergent Outsourcing I have been trying to remove this account from my credit report for months and it just keeps lowering my score and making my file decrease by claiming I set up an instalment agreement to make payments and lowering my score by reporting missed and late payments. The last letter was one that I will start to take legal action so here I am.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received numerous calls from a phone number XXXX when call back I can't reach anyone. I received 3 calls back to back today as if it was an emergency so I answered and it was someone collecting on a debt that I new about and did not ask me to verify any information other than my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43202
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is a fraudulent account that is not mine and I have disputed this before with my proper identification and it was removed but returned. Im in the process of buying a home and when i realized that my score dropped, it was this again.The following accounts are convergent outsourcing, inc. for {$1200.00} and the other is XXXX XXXX XXXX with a credit limit of {$300.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : Covergent Outsourcing Inc- {$830.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A