Date Received: 2019-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2019 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. I received a collection letter dated XX/XX/2019 from a collection agency by the name of Convergent Outsourcing , Inc . This collection agency is charging me for a fraudulent debt that is not mine, and I have never owed. The charges are fraudulent, and they are claiming that I owe a company by the name of XXXX XXXX , XXXX {$8000.00}. They have also listed another company by the name of XXXX XXXX XXXX as the supposed Original Creditor. I want to report this collection agency, as well as its cohorts for trying to defraud me. I have never done business with these companies and this debt is a scam. This company is slandering my credit as well as my name, and I want any collection account, or any derogatory information that they have placed on my credit files removed immediately, and I want hard copy proof on their letter head that, that has been done, as well as I want written proof that this fraudulent collection account has been permanently removed from their companies files. I also want Convergent Outsourcing, Inc., and it cohorts, to cease and desist from contacting me ever again with their fraudulent made up collection accounts. I looked up this XXXX XXXX XXXX and it appears that they and Convergent are working together to go after consumers with claims for fraudulent debts that they are creating, and the consumers do not owe, they are trying to get consumers to pay them for fraudulent debts. ( Copy of collection letter has been uploaded for the CFPB to review )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing Inc has been trying to collect a debt that I do not owe ( from a XXXX bill ). I have sent them three letters ( certified ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting them to validate such debt. COI response has always been " we have completed our dispute investigation ... .debt is valid '' and they attach a XXXX Bill dated XX/XX/XXXX. This document does not verify the validity of this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85335
Submitted Via: Web
Date Sent: 2019-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The collection is wrong, and has been paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45014
Submitted Via: Web
Date Sent: 2019-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Previously I had filed a CFPB compliant on this debt through from XXXX XXXX # XXXX that was originally a fraud more than 10 years ago that was sold to XXXX XXXX XXXX when I filed the compliant with the CFPB. XXXX XXXX XXXX and XXXX XXXX sent a letter apologizing for trying to collect on a fraud and making promises that the debt would no longer arise under my name. Now here they sold to another company to avoid legal ramifications for harrassment on a fraud over 10 years ago and dismissed. Now again they sold the debt to Convergent Outsourcing , Inc., act # XXXX and XXXX XXXX, XXXX act # XXXX as I received a letter harrasing me for a fraudelent debt over 10 years ago that has been dismissed multitple times. Please punish these forms and banks that sell the debts to collection agencies to avoid penalty and legal ramifications. Please file a class action suit against these forms for harrassment on debts previously dismissed and resolved over 10 years agoe
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93906
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid my account in full a couple of years ago. The company reported the exact same debt twice on my credit report and refuses to fix it ( original debt was with XXXX ). They told me to dispute it and they'd allow me to remove it that way, but when i disputed, they just verified the debt and didn't remove it. My credit dropped 60 points and I'm currently under contract to buy a home!!! This is so unfair!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I went on to my credit monitoring site and noticed that there or some incorrect accounts on my credit report the accounts or convergent outsourcing in the amount of $ XXXX the date is XX/XX/XXXX that account is on my XXXX, XXXX and my XXXX as well then its another account that just on my XXXX and it is XXXX XXXX XXXX in the amount of $ XXXX date opened XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Convergent Outsourcing is falsely reporting a debt as being opened much later than it originally was in an attempt to force me to pay them I have no contract with them and was not informed they would do this when I disputed this information with XXXX they not only verified the debt as accurate but when asked to send me a written response they instead just updated the debt as a missed payment once again re-ageing this debt is illegal on their part as I can only be held accountable for the actual dates the debt was incurred my attempts to resolve this issue and simply report the correct dates have been met with both them and XXXX simply adding new dates from this year onto the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Convergent XXXX XXXX refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Convergent Outsourcing is reporting a debt and now reporting paid in full that I did not owe them. I had no contract with them and no obligation to pay them. I owed XXXX and paid the debt owed of {$450.00} on XX/XX/2019 to XXXX directly. I have attempted on several occasions to get Convergent to not report and all have been failed attempts. I would like for their reporting on XXXX and XXXX to be deleted immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a telephone call from Convergent Outsourcing, allegedly from a " XXXX '' area code number, at XXXX XXXX on XXXX XX/XX/2019 asking for a person I don't know, has never lived with me, and to my knowledge has never had the telephone number I've had for years now. It's obvious to me they do XXXX diligence to ensure they're calling the right person - which is easy to do on a computer connected to the Internet in about 5 minutes. They don't care who they call and harass, including the innocent who have no debt. This is unconscionable and despicable. Until they feel the financial pain of engaging in such reprehensible and nefarious behavior, they will not cease.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A