Date Received: 2019-10-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Contacted Convergys the Outsourced debt collections arm for XXXX. Ive contacted them and they were not even able to tell me what the exorbitant amounts of {$1400.00} entail. I disconnected an acct. in 2015 and turned in all Equipment to a XXXX store and disconnected due to a loss of a job and moving to another state. XXXX still has monthly charges that accrued and other fees that dont add up. They cant even provide me w a notice of collection of a debt for me to dispute it based in the fair debt act. Account no. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a debt reported on my credit report from Convergent Outsourcing. It is for a debt claimed by XXXX. On XX/XX/2019 I submitted a request to XXXX to validate the debt in writing or remove the incorrectly reported account from my credit report. On XX/XX/2019 they mailed a letter refusing to remove it. They have not provided any proof in writing that the debt is mine. I do not owe XXXX anything and request XXXX XXXX to remove it from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: During this time period I was Incarcerate form XX/XX/XXXX until XX/XX/XXXX. I never had a XXXX phone. I filed a Identity Theft Report on XX/XX/XXXX. I called the collection agency and spoke with XXXX XXXX. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX has sent me to collection with Convergent Outsourcing to collect a debt that is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97266
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt was pall in full on XXXX XXXX in the amount of {$500.00}. I'm waiting for the derogatory mark to come off my credit report. The representative i spoke with was not helpful and couldn't say. I just need this mark to show as paid and for it to be dropped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2016 XXXX occurred on my Credit in the amount of {$1200.00} Aa which I did not open this account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98683
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent two verification letters to collector requesting verify the debt. Fair Debt Collection Practices Act ( section 1692c ) and Rules of the City of New York ( section 5-77 ) require that you honor this request. Your cooperation will be appreciated.The first time was in XX/XX/2019. The collection did not respond, only updated my credit report withthe remark : " Account information disputed by consumer ''. The second time was in XX/XX/2019 and I have not gotten an answer yet. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did fight it year ago my credi was fix with police report After that XXXX hire out sourcing To collect the same dept Hope to fix it Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I actually spoke to the representative from this debt collector, and I wanted to know who to contact about 3 accounts that are saying they are from me when I never even had a XXXX XXXX account, an XXXX XXXX XXXX account and the one of XXXX XXXX for XXXX XXXX that said it was from 2 years ago ... I have not lived in XXXX XXXX since 2014. None of these reports are me, so I think my identity has been taken and I need to know what to do for a dispute because it's really affecting my credit score!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2013 to XX/XX/2013 @ the address is XXXX XXXX XXXX in XXXX XXXX, LA. XXXX, my niece, XXXX XXXX used my name, Mr. XXXX XXXX, and my SSN # which is XXXX to apply for XXXX XXXX Data & Telephone Services without my knowledge and/or approval. XXXX is contacting myself, Mr. XXXX XXXX to collect on this debt which is NOT mine, but is that of my niece XXXX XXXX and it is having a negative impact on my credit score and report.I would like for this matter to be rectified as soon as you possibly can. If you need any further information, please do not hesitate to contact my son, XXXX XXXX directly at ( XXXX ) XXXX or myself at ( XXXX ) XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A