Date Received: 2019-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received information in the mail from Convergent Outsourcing Inc in XX/XX/2019, for a XXXX XXXX bill that is not mines, nor have, had XXXX in the past 4 years. This debt is mines. I have also disputed this inaccurate information with the three major credit bureaus. I also sent a Validation to The collection company, no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a previous complaint against the company XXXX XXXX XXXX. The complaint # is XXXX. They responded saying they were going to stop the collection actions and report to the credit bureaus to remove the debt. They have not done that and not only have they not done that, they have sold the fraudulent debt to another debt collection company whom is now also reporting this debt to the credit bureaus. The new company is " Convergent Outsourcing ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2018 Convergent Outsourcing received a collection account from XXXX for a past due balance of {$650.00}. I contacted Convergent Outsourcing several times via phone and regular mail in regards to validating the debt. Finally, I got someone who was able to help. The representative by the name of XXXX, stated if I pay the amount in full it will be deleted/removed from my credit. On XX/XX/2018 the account was paid in full, but still remains on my credit as paid with a XXXX balance. I was promised that this would be deleted, but I keep getting the run around about who suppose to have this removed. Convergent tells me XXXX has to have it updated. XXXX states Convergent has to have it removed. I am tired of getting the run around to have this deleted from all 3 credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2019-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I checked my credit and noticed a negative account from Convergent Outsourcing in the amount of {$160.00} for XXXX. I have never received an notice about this debt, nor the right to dispute according to the fair credit debt reporting act. I did not owe XXXX a final bill as all bills were paid before the service was disconnected.
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: 2019-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX continues to furnish information on credit file. Im unaware of this account. Ive made several attempts to contest to contract, in addition validation of signature, company failed to comply according to FCRA Guidelines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This year I disputed this alleged debt by another collection company. I disputed and it was proven that they debt was not mine and was removed by XXXX and other credit bureaus that was reporting the negative information. I made it very clear to the last collection company if they sold debt to another debt collector, that I will have my attorney she the old collector and the new collector reporting this information. I will have my attorney XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Go ahead will lawsuits.Im tired of getting treated like this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed with a collection agency by the name of Convergent Outsource stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I owe the amount of {$1200.00} which I do not. I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Convergent Outsource. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry. I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter by mail under my name but wrong spelled from Convergent Outsourcing Inc where it says I old money to XXXX XXXX XXXX XXXX ( a company I have never heard of ) also, the letter said that if I pay within 3 days I will only have to pay 60 % of the debt. I believe this a scam.However, I called them and asked them to know more information about it, and notified them the name was wrong spelled, they asked for my name but I didnt wanted to give them my information as I dont know if this is legit or a scam, so they refused to give information about the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77016
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX along with Convergent Outsourcing. Has stated that i owe {$1100.00} as of XXXX. I had their service in XX/XX/XXXX. All equipment was turned in. Spoke to XXXX Monday. They said that even though the equipment was turned in i still owe {$1100.00} and since the account went to collections. I was charged an additional {$350.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I checked my credit after being denied several times for a new auto loan. I came across an account for CONVERGENT OUTSOURCING with the ORIGINAL CREDITOR as XXXX and the amount owed is {$440.00}. I never received a final bill, or a collection notice from XXXX or from Convergent. My address has changed since the account was opened but my mail was always forwarded, and I never received any notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A