Date Received: 2020-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A COLLECTION HAS BEEN REPORTED TO MY CREDIT REPORT THAT IS NOT MINE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ACCOUNT CLOSE NOW AN OTHER CREDITOR HAVE POCCESTION this effect my account
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: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Over 5 years ago, I received a collection notice for a XXXX debt that was not mine. Someone had opened a XXXX account in my name in another state and never paid that bill. I immediately contacted the debt collection agency and they took it off their records. I then contacted XXXX and got it taken care of. Today, I received a debt collection notice from Convergent Outsourcing Inc. for this same debt. I called Convergent and explained the situation to them, and they are to send me a fraud packet to complete and return. I wish I hadn't called them because I gave them personal information and now I'm reading that they are a scam company. This debt has never appeared on 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: 34208
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
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 : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. 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: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have called Convergent outsourcing numerous of times asking for assistance to have this account disputed. I spoke to a representative the end of XXXX who advised they were going to call XXXX to dispute. I than recieve a letter on XX/XX/XXXX stating the account is valid and they couldn't remove the debt. I reached out to XXXX Collections on XX/XX/XXXX they advised the account was placed in collections in error. They advised the account was closed out and told me they were going to resolved the situation by reaching out to Convergent. I was told that Convergent outsourcing was going to send me a letter for proff of closure of the account. I called Convergent today XX/XX/XXXX to check the status and someone I spoke with said the balance was still owe. This is fraud and none if their team members are trying to assist. They are trying to make us pay for something that is not valid n I'm upset with run around they are giving. We don't owe any money and they refuse to closed the account which is negatively impacting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i receive a notice from my credit reporting account about a negative item inwhich is reporting inaccurate information from XXXX XXXX XXXX XXXX so i sent them a letter to validate and send the information that i requested bearing my signature on XX/XX/2020 and hasn't heard from them yet
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70126
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wrote a debt validation letter to this company dated XX/XX/2020, giving them 30 days to validate the debt with me, if there is no verification within the 30days, they must stop collecting this debt and delete from my credit history. I also asked them to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Please include the signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt does not belong to me. I have filed a police report because I saw accounts on my credit report that does not belong with me. The credit bureaus removed this account and now have put it back on my credit report which is not fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I Have contacted Convergent outsourcing for Acct # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX XXXX. I have contacted this company by phone and sent several dispute letters with this company who is reporting to all three credit bureaus and it is negatively damaging and affecting me from obtaining credit. I have no agreement or contract with this company. By law i would need to see any contracts that was signed with my signature and convergent has not provided me with any of the information requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX Account, no contract, paid auto-pay each month with XXXX XXXX, when son graduated, we canceled the account on XX/XX/XXXX and turned in the equipment as directed by XXXX and were given a XXXX Return Receipt XX/XX/XXXX # XXXX XXXX TV Equipment 2 pieces XXXX. Again, no contract, account closed and equipment turned in with receipt on XXXX. On XXXX XXXX, XXXX reported to my credit reports that I owed {$430.00} past due to XXXX and it was now in collections. Creditor # XXXX and XXXX Account # XXXX. I immediately disputed and provided proof of account termination and equipment return with receipt, XXXX removed the collection action from my credit report. XX/XX/XXXX, Convergent Outsourcing now reports the same amount {$430.00} on my credit report as being owed to XXXX and they are now initiating a new collection action, seemingly starting the entire process over again, just using a different Credit Collection Company, Convergent now XXXX before. I've disputed with Convergent and they have not provided detailed billing and debt information as requested, and XXXX did not either. Both have simply said they have " certified '' that the debt is owed and only provide a summary of current balance owed, no detailed debt with dates of what the debt is and was, and I continue to maintain the account was paid in full, current at the time of cancellation and equipment turn in. It is my belief, all alleged debt is for date after XXXX when the account was cancelled and equipment turned in, wrongfully charged for which I've disputed and have not been provided any proof of debt with dates and description. This looks and feels predatory and/or fraudulent in practice. With that said, my son was attending the University XXXX XXXX XXXX, renting a house, and I paid for the XXXX account via auto-pay each month, no contract, just month to month for nearly 2 years. When he graduated, we terminated the account and returned the equipment, with proof of receipt at the time. Months later, XXXX dinged my credit report with a past due collections, apparently on behalf of XXXX. I immediately disputed and provided proof of closing the account and returning the equipment, that was the last I heard of it, and the derogatory hit on my credit report by XXXX was removed. Months later, I get a notice that Convergent Outsourcing is now saying it has a past due account and in collections for XXXX, its like the process started all over again but with a different collection company, related or affiliated to XXXX I have no idea, but it seems " fishy, '' and predatory to me in my experience. I want to contest and do whatever is necessary, within reason, to help stop this kind of predatory behavior on consumers. I've attached a copy of my credit report, XXXX XXXX and a copy of my prior dispute with XXXX. Is this a matter for which you represent, albeit small, and what would you charge to dispute and take whatever other appropriate action necessary?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A