Date Received: 2020-01-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.unaware of the amount due and your bill does not include a breakdown of any fees. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt h as been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed can be percieved as a violation of the FDCPA because you will be deceiving me after my written request of debt valid ation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43201
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello Im seeing that i have a XXXX account in my name someone used my information too get cell phones and i been trying too dispute since it happen i havent had any luck its dragging my credit down and i wan na try and get it taken off as soon as possible
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: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/17 {$1800.00} placed for collection Coi original creditor XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I requested debt validation from Convergent Outsourcing TWICE ( once in XX/XX/2019 and again in XX/XX/2019 ) and havent heard a word from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37830
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Recieved a letter from Convergent Outsourcing to collect a debt amount of XXXX for XXXX XXXX. I have not used XXXX in years. I contacted XXXX and have not been placed in collections by the company. This company has also called several times trying to use scare tactics and threatening my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I dont remember the date but this debt fell off my credit report after 7 years not even 6 months later it reappears on one of the 3 reports in XX/XX/2017 never received any calls or notices in the mail. The creditor in question is convergent outsourcing inc . I dont see how it is legal for them to reopen a collections with out contacting the person who had the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2020-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX was a middle man for {$260.00} I accidentally took from my own account to deposit in my account. XXXX was used as XXXX or XXXX. I wanted to borrow {$260.00} credit from XXXX to deposit in my XXXX checking account. Unfortunately I did not realize I had it set up for XXXX to pull from my checking account and then deposit the money into my account. I realized it I had made the mistake within seconds. I called XXXX to have them cancel that transaction before they process. My call was unsuccessful, the customer service agent stated he could not cancel the transaction due to the fact that it was done with my bank and the transaction was in process and I would need to reach out to my bank. I did so, my bank stated they would give me a credit while they investigated the transaction. I was informed if they found the transaction was a correct transaction they would pay XXXX and charge me, the investigation would take 10 days. I did not get charged for it. My XXXX was negative {$260.00} from the canceled transaction. I called to ask XXXX how this was a charge. They would tell me a supervisor was going to speak to me and they would leave me on hold for over 45 minutes and the line would cut off. This repeated itself three times. My mother had a XXXX account and has been paid off for a little over {$4000.00}. The collection agency is under my mothers name after we paid off XXXX upfront. The {$260.00} was an erroneous charge and needs to be rescinded. If it was ever a valid charge it shouldve been under my name, not my mothers. Ive called the collectors and asked for verification of the original transaction and to validate the debt. The collector stated they would send me a copy. I was sent a letter that read XXXX has validated the debt. That was not verification. I wrote to the claims department via email and have called them as well, I was sent a letter stating attached is the verification. It is not verification. I am attaching the letters they sent me. Please help me. This is not mine or my mothers debt and now it is affecting her credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 90650
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt on XX/XX/2018 for {$270.00} was not me who did it. I don't recognize this at all and I kindly request that this be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Convergent outsourcing was paid on a pay for deletion basis on a former XXXX account. The representative of convergent outsourcing was recorded and was informed she was being recorded when she, as a representative of Convergent Outsourcing agreed to delete this negative information from my credit file. The account shows paid but Convergent Outsourcing shows a late payment of one month to impact my credit score in a malicious manner. I wish to pursue any and all avenues to ensure these blood suckers and others like them are held accountable. I am held to my word, why shouldnt they be?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57006
Submitted Via: Web
Date Sent: 2019-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A