Date Received: 2018-09-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was from XXXX/XXXX. In XX/XX/2018 I spoke with XXXX about this account, paid it in full, and they recalled it from collections. XXXX advised that the account would be removed if it was being reported. The representative did not know who the collection agency was or if it was being reported during the call. I have written to Convergent Resources and have not heard a response in over 30-days. I have disputed this with the credit agencies and Convergent Resources continues to falsely report this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company sent me a typed up bill from a computer with my name but a wrong address saying that they verified that I owe {$570.00}. I have a fraud alert placed on my credit reports. They failed to show me documents that I personally signed with correct dates authorizing these charges. They are reporting false information and damaging my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Currently receiving phone calls and mailings regarding a debt owed to XXXX XXXX XXXX XXXX ( servicer ) to creditor : XXXX XXXX. The debt collector is Convergent. Convergent offers reduced balance amount of : XXXX. They claim a total balance owed of XXXX. Daily phone calls plus one mailing. I do not owe this debt, as this XXXX XXXX XXXX account is not mine. I did not open these accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2018-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one behind Convergent. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/2018 ... the responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Convergent ) directly on or about XX/XX/XXXX or XX/XX/2018 ( attached ). They responded validated because they provided me with a 5 page bill which isnt quite VALIDATINGanything. Im simply seeking assistance in getting this matter resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX was deleting and still reporting as it was deleted as i did not own the account. XXXX XXXX XXXX was deleted but still reporting. XXXX XXXX is reporting twice as XXXX and should only be one charge of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2018-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: on XX/XX/2018 i received a credit report from XXXX XXXX XXXX that list debt i dint have knowledge of. So on XX/XX/18 i sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/18 i sent a follow up letter requesting debit validation to the address above i still have not received a response. on XX/XX/2018 i sent a dispute letter to XXXX asking for validation of debit, in XX/XX/2018 XXXX responded validating the debit. i am not sure how this was correct because this debit IS NOT MINE.i have never done business or had service with this company before. this company is in violation of the FDCPA act and my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2018-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Paid off XXXX XXXX on XX/XX/XXXX, which went to XXXX XXXX in the amount of {$980.00}. Account number for Convergent is # XXXX. XXXX XXXX account number is # XXXX. They refuse to remove this from my credit as they agreed to do so! Now apparently there was another account with XXXX I had no knowledge of which doesnt list the account number from XX/XX/XXXX which went to collections with XXXX XXXX ph # XXXX. I paid on XX/XX/XXXX, what they asked {$380.00} and they refuse to remove it from my credit. Conf # XXXX I have submitted proof on the disputes and they are not cooperating!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2018-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a debt collections letter dated XX/XX/2018 from XXXX XXXX XXXX stating I owe XXXX XXXX. I dont have a XXXX account and have never used XXXX. I contacted XXXX on XX/XX/2018 who confirmed I do not owe them money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2018-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have had an active account and service with XXXX at my home for over five years. I have never been past due and my account has never been closed for any reason, including nonpayment. I am attaching my most current billing from XXXX showing my account has an active status and is indeed current. XXXX would not allow me to have an account if I had not paid. I am supposed to close on my family 's new house in the next couple of weeks. When this erroneous collection was posted to my credit, it made my score drop from XXXX to XXXX. Please remove this from my credit report ASAP as the amount is not owed by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32221
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX holds a debt for XXXX. I told them and disputed that XXXX renewed my contract without my knowledge and charged me for it. I had switched to XXXX at the time but XXXX kept charging me even after my contract was up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A