Date Received: 2019-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The following accounts have been placed into collections and I do not notice them. I have disputed them with the collection agencies and the desire Bureus. They have not removed them. THESE ACCOUNTS DO NOT BELONG TO ME. XXXX/Convergent outsourcing- opened on or around XXXX. Account # XXXX XXXX XXXX XXXX- opened on or around XX/XX/XXXX. Account # XXXX XXXX XXXX XXXX XXXX XXXX : Opened on or around XXXX Account # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
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: The three accounts I'm disputing : Convergent Outsourcing- Acct # XXXX, XXXX/ XXXX XXXX- XXXX ...., XXXX XXXX- Acct # XXXX. On XX/XX/2019, I sent XXXX a request for validation of three ( 3 ) accounts or otherwise remove the negative information off of my credit report. They reported the debts as valid and I again sent XXXX a second written request to provide to me how they " verified '' those accounts, and, again to provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of FCRA they are required to " ... promptly DELETE all information which can not be verified. '' On XX/XX/19 they sent a response " ... we were unable to honor your request or a portion of it ... '' I sent a THIRD letter to XXXX warning them that I fully intend to pursue litigation against them to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 regarding their willful and negligent noncompliance. Once again XXXX responded XX/XX/2019, " ... we were unable to honor your request or a portion of it ... '' I fully intend to follow through with pursuing litigation. I already filed suit against Convergent Outsourcing for the same matter, and still awaiting a response from the other two creditors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing Inc . Illegal collection Activity through US Mail Repeated collections letters Debt is over 18 years old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I had a private student loan from XXXX for 3-4K and have had no contact nor received anything from this company XXXX XXXX XXXX since XXXX. This collection agency claims that now my balance it XXXX and because it was charged off in XXXX that they can still report this to my credit agency even though it is past 7-10 years. I was willing to work with them so long as they remove it from my credit report but they say the time starts again in XXXX since XXXX charged it off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Account paid in full directly to XXXX on XX/XX/XXXX in the amount of {$730.00}. The credit agency, Convergent Outsourcing are continuing to report this account as a collection to 2 credit bureaus unlawfully although XXXX has removed the Written off notation from my account. Payment conf # XXXX Case ID # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have called the company CONVERGENT OUTSOURCING, INC. which is debt collector for XXXX. I have disputed the bills on call XX/XX/XXXX ( XXXX XXXX ), they never sent me actual bills I owe to XXXX. They have 2 departments, Pre collection department said they have no infromation from XXXX or have not reported my account to Credit agency >> Call 1 ( XX/XX/XXXX XXXX XXXX Pre Collection ) : Agent 1 said the account was disputed by customer and sent back to XXXX. Has no reference of being sent back from XXXX. Then on my saying that my credit have been spoiled by your company, searches for the account and finds it in another department. Gives me number for another department. Call2 ( XX/XX/XXXX XXXX XXXX Post collection ) : Agent 2 said XXXX sent back account on XX/XX/XXXX and they called me several times.She says '' I picked up phone and said it was wrong number. '' Agent claimed she has no address of me on file. Truth : I never picked up the phone, Also CONVERGENT have sent letter to me on XX/XX/XXXX ( which means they have my address ). They are lying. They also reported the amount to credit agency without sending me any communication after disputing the bills.example ( Actual Bills from XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2017 I opened an account with XXXX XXXX.I switched providers thinking everything was good with no money owed, I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77087
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ask for validation, never received proper validation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55379
Submitted Via: Web
Date Sent: 2019-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt does not belong to me. Please, remove this debt from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Letter dated XX/XX/2019 trying to collect a debt thatis 10 to 11 years old. Convergence is a third party collection company representing XXXX XXXX XXXX XXXX that is trying to collect a debt from original creditor XXXX. This debt has been sold, transferred or given to several different collection companies. I'm sick and tired of these aggresive people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74063
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A