Date Received: 2019-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX and their collection company, Convergent Outsourcing continue to contact me regarding account XXXX with a balance of {$530.00}. This account does not belong to me ; it was opened as a result of identity theft. I have already contacted XXXX XXXX and Convergent Outsourcing, but this account still has not been removed from my credit report. I never opened this account. The bill was sent to an address that I have never been affiliated with nor have I lived at the address. I have sent multiple copies of my ID theft affadavit and they still continue to harrass me about the debt that I do not owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt not mines. Police report filed. Cleared by XXXX. Somehow still in collections. Need it to be removed asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Sent letters to validate if not then remove the debt off my credit report. Send 2 letters. No reply even when I called numerous times, Stating no record was found.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company has no legal authority to collect this account. They have made an illegal entry and gained access to my credit report for money that is not due and paid in full, months ago to the principal account holder. This amounts to an attempt to illegally collect money that is not due. I call that extortion. This company has no assignment of claim and therefore no standing to collect anything. This company has gained access to my credit report under fraudulent pretext. I have a 'credit alert '' system in place and on XX/XX/2019, I was advised of this illegal action by that alert system. The company has made no effort to contact me over this so I wrote them a letter, as this is the weekend. A few months ago I filed a complaint with this agency over this issue and XXXX. Since then I have discovered a pattern of deception by XXXX and now this company has gotten involved. Convergent Outsourci XXXX XXXX XXXX XXXX XXXX, WA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, I never sign, had a contract with the company XXXX USA, CONVERGENT OUTSOURCING, Inc, demand me to paid an enormous amount that I do not own. Also this Convergent Company, send a new correspondence to my new address harassing me. Balance : {$1000.00} No date of this fake service was stated!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Below is a letter that I have received from XXXX XXXX XXXX, stating clearly that I have paid the past due balance but it is still on my credit report. I would like to know why? XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Re : Payment Posted Dear XXXX XXXX, Account Number : XXXX Thank you for your inquiry regarding the above account. Our records indicate that a payment of {$220.00} was posted to your account on XX/XX/2019. The account now has a XXXX balance. This account is officially closed. Should you have any questions, please contact customer service at XXXX. We will be happy to assist you. Sincerely, Customer Care XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got a notification from XXXX that CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Grid Code G ( Collections ) Balance Date XX/XX/2019 Balance {$1200.00} Was trying to collect the amount listed above this creditor placed a derogatory mark on my credit file with no prior communication to even validate if the collection was mine which it is not i have filed a dispute and am waiting for results from XXXX No collection agency should ever replace any derogatory marks on anyones credit file without first validating the death especially if it does not belong to the individual
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, I found a XXXX XXXX account in collection on my credit reports. This is not my account. It was opened at an address that I have never resided, or know anyone who ever resided there. I contacted the Convergent which is the collection agency XXXX XXXX used to advise them of fraud and next steps. I contacted XXXX, XXXX and XXXX to dispute the collection amount and the account. XX/XX/2019 I filed an identity theft report with FTC. Convergent agent told me I would receive a statement in the mail of the charges and I could use said statement to file a police report of identity theft. XX/XX/XXXX, I filed an Identity theft claim on FTC Website. On XX/XX/2019, I received a statement from Convergent statement that XXXX did not accept my dispute and fraud claim. XX/XX/XXXX, I sent a letter to XXXX to advising them of the fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, This happened multiple times with XXXX. They send a debt collection even when the account has been closed. I have called them and made sure my account had no balance before closing the account. I then received a debt collection notice. I disputed the collection from an agency and it was approved with XXXX. XXXX then sent the collection to another agency and reported it on XXXX this time. I went in one of their stores and made sure I had no previous balance. However, XXXX keeps sending debt collections. I have spoken with other past customers and apparently it is a running problem with them. They steal from people. I attached the past dispute I had resolved, and again I have a new one years after. I do not even have XXXX services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A