Date Received: 2020-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I opened up account with XXXX XXXX in XXXX Arizona I told then nobody was to be on my account I closed my account in around XX/XX/2018 the my ex called had them to put his name on the account on Match XXXX. XXXX XXXX turned it in to a Collection Agency I had to pay the rest if it I paid them over 1000 dollars that was not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45005
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The phone bill was put into my name through a change of liability. I cancelled service & had to pay a cancellation fee. In order to be considered for a job at a financial institution all of my debts had to be paid. I paid the cancellation fee with XXXX in XXXX & had it removed from my credit report. Recently in XXXX of XXXX the derogatory remark popped back up on my credit report from a new debt collection company attempting to collect on XXXX behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90033
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have reached out multiple times in the past to have this debt removed it does not belong to me. This is a fraudulent situation and the company refuses to remove the collection from my XXXX report. The only thing the company could provide was a phone bill that dosent solve or mean anything. I want this fraudulent XXXX account removed from my XXXX report and to not be reported ever again. The company reporting this account right now is convergent outsourcing. Please help with this fraudulent matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt not owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX has been attempting to collect {$330.00} from XXXX that I dont owe them. Ive reached out XXXX about this bill and they said they would remove it as my responsibility and remove it from my credit report. Since then, XXXX has put the {$330.00} with several collection agencies which was put on my credit report each time. Since XXXX I have disputed the {$330.00} placed on my credit 4 times by 4 separate collection agencies. Each time I dispute the collection it has been removed, only to be placed on my credit by another collection agency. Its presently once more placed on my credit report on XX/XX/XXXX by Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX WA XXXX for {$330.00} Original Creditor XXXX. This collection has taken off XXXX points off my FICO score in a time when I need my good credit to get a loan due to the current Coronvarius pandemic impacting my livelihood. It seems I dispute this collection, only to have it be placed on my credit by another collection agency XXXX hires. Im asking that it be permanently 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: 33351
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid Convergent Outsourcing {$300.00} on XX/XX/2020, that satisfied my debt in full with them. I have asked them to remove the account from all 3 credit bureaus several times but instead they update the remarks to paid in full and closed. Because they are now paid off I think it is fair that that account is deleted from all 3 credit bureaus. Convergent Outsourcing have been paid in full and should be removed from my reports so the derogatory mark is removed and I can proceed with buying my house as the mortgage lender asked that all collections be removed from all 3 credit bureaus once paid in full. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent outsourcimg, XXXX XXXX XXXX open in 2016 XXXX XXXX XXXX at. XXXX WA XXXX Account XXXX Child support account that is closed still account Inaccurate verification of my identity on credit bureau the questions that they have does not match anything that I have going on there for it will not let me prove my identity to be able to log into my accounts with all three credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34491
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XX/XX/2020 I mailed a request to XXXX and XXXX I havent received any documents back about the in accurate account not mine being removed theres no proof these are accurately my accounts. Convergent {$350.00} reporting from XXXX and XXXX Mailed dispute to XXXX. I have mailed dispute to XXXX and still reporting XXXX Merchants Credit {$150.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Numerous calls about collection of account with XXXX XXXX, received a letter offering to settle the account. i took the settlement and paid dish network as instructed to do. now they started calling everyday and some times 2=3 times a day about payment on thia account. Dish deposited the check in early XXXX. Covergegent is co that is continuously calling i have instructed them not to call me as this account has been satisfied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I just received a collection notice in the mail on XXXX regarding a service that was done in XXXX by a XXXX office. The last bill that had been sent to me was in XXXX from the collection agency in which I believed I took care of. I had not received any bills post XXXX until XXXX of XXXX which is 10+ years later. They also stated that they had recently sent be 2 e-mails regarding this bill and after looking through all aspects of -email, including the spam and trash mailboxes, it did not show any e-mails from this company. The company that sent the collection bill 10 years or more after the service is Convergent Outsourcing Inc and the bill was regarding was XXXX XXXX XXXX XXXX XXXX in which they have no regard of me being there since back in XXXX as medical offices usually shred patient chart information around 7-10 years since date of service. Convergent Acct number is XXXX and the original account number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A