Date Received: 2017-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX is the business and the date is XXXX XXXX, 2017! I wasnt even in Kansas and if i was i lived in XXXX XXXX, Ks! The amount is XXXX dollars and its fraud! The company is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80207
Submitted Via: Web
Date Sent: 2017-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: The aforementioned credit collection agency representing whomever your client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If CONVERGENT OUTSOURCING does not have any documentation, they need to retract this from my credit file immediately.
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: 2017-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have seen this debt on my credit report for XXXX dollars. I mailed in a letter attached below asking for the debt to be validated. All I received was a paper stating the debt is valid and a XXXX papers with my name on it. No signature from me what so ever for 3 phone lines. None of the information I asked for was provided asking me to validate the debt. On the paper they sent me it says 0 minutes 0 texts and 0 data used on this mysterious phone account. Very confused and would like this removed from my credit report. I know they can not provide the necessary information for this debt to be validated which is already proven in the letter I sent and, the information I received back. Please read letter sent in attachments, please help me get this issue resolved. Very quick to put something on your credit report but when they are wrong its almost impossible to take off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33405
Submitted Via: Web
Date Sent: 2017-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX made this account under XXXX XXXX credit report shows on here fraud account XXXX never sign for this false address XXXX XXXX XXXX XXXX XXXX mi XXXX false address XXXX not live there 20 years now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49017
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY ( CONVERGENT ) PLACED A COLLECTION FOR XXXX COMPANY THAT WAS ILLEGALY PLACED TO ALL CREDIT BUREAUS WITHOUT ALLOWING ME TO DISPUTE AS REQUIRED BY FEDERAL LAW TO DISPUTE THE COLLECTION. THIS ACCOUNT IS NOT MINE AND IS ADVERSLY HARMING MY CREDIT REPORT I HAVE REQUESTED AS YOU CAN SEE IN MY CERTIFIED LETTER TO THEM DEMANDING PROOF OF A SIGNED CONTRACT WITH XXXX AND ALL THEY DO IS SEND ME A STATEMENT WITH MY NAME ON IT. THEY HAVE FAILED TO PROVE THIS IS MY ACCOUNT WITH ACTUAL DOCUMENTED PROOF THIS IS MY ACCOUNT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX . They keep fepressing my crefit report. Firxt thry said I opened an account or they started collections on XX/XX/XXXX. The XXXX account was originally cvlosed with XXXX in XXXX. They are making it seem like it 's a new debt collection, but it 's not. They are making updates on my Crecit report every month now and that 's unfair. I filed a dispute with XXXX in XX/XX/XXXX stating the date is wrong, but nothing was done. They are trying to extend this old collection out making it seem like it 's a new collection when it 's not. How can you help me? I 'm tired of these agencies taking advantage of consumers. I was laid off and could n't pay my bill back at thst particular time. This is unfair. At least state the original date of the XXXX debt instead of tge date they decided to start putting the wrong date on my reports. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Back in XX/XX/XXXX we started receiving bills and collection notices from XXXX in Illinois for charges incurred at XXXX XXXX XXXX XXXX XXXX IL and XXXX XXXX XXXX XXXX XXXX Illinois. We have NEVER resided at either of these addresses, nor have we incurred the charges mentioned. We have lived in Wisconsin XXXX sinceXX/XX/XXXX and do not use XXXX services. We notified XXXX of this and they turned us over to XXXX XXXX for collection. I was a victim of identity theft inXX/XX/XXXX and hired XXXX to help resolve this problem. I did everything as instructed, including filing a police report and sending all necessary documentation to XXXX to forward to both XXXX and XXXX XXXX. This was done, and XXXX and XXXX XXXX persist in pursuing this debt, which was not incurred by me, and they are ruining my credit record. I will not pay a debt that was not incurred by me and I have done everything I can to clear this up. It cost me {$300.00} to get XXXX to pursue this and it has n't stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: asked for documents to prove it was my dept
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX is claiming I owe {$1900.00}. This is a debt on my credit report filed by XXXX XXXX. However, the debt amount is wrong and this account was not just mine it was my sister and mother.I am not responsible for the whole {$1900.00}.
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: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-11
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: XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XX/XX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XX/XX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A