Date Received: 2017-08-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Collection account appeared on personal credit report for the first time on XX/XX/XXXX from a business called XXXX XXXX XXXX apparently a collection agency attempting to collect on a {$190.00} debt owed to a utility company. I notified them that I have never not paid a utility bill of any kind and they stated that they do n't need to provide validation of any debt beyond 30 days and this debt was assigned to them back in XX/XX/XXXX. However, I never received any notice from them relative to any debt allegedly owed. They refuse to remove this erroneous item from my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07006
Submitted Via: Web
Date Sent: 2017-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, Below is a response I sent to, Convergent Outsourcing, on a false debt they called me about today for XXXX XXXX XXXX, which, I have never owned and have disputed this debt with XXXX XXXXXXXX XXXX since they first sent this account to a collection company over 7 years ago. XXXX To whom it may concern, The debt you are calling about as I explained to your agent, XXXX XXXX, today, XXXX/XXXX/XXXX, per my phone call to your number of, XXXX, has never been my debt, is not my debt and has been disputed for over 7 years! Your company is the fourth or fifth collection company that has bought a portfolio with this false account in it and I am giving you formal notice to Cease and Desist any and all collection activities to this matter with your company. If you continue to harass me with this false debt through calls to XXXX, through mailings to my home or falsely reporting it to any and all credit agencies I will pursue you with any and all legal recourse available to me. I have just reported your company to the CFPB with a formal complaint filed about your harassing calls and to the false file your are harassing me about. Good day, XXXX XXXX XXXX XXXX _____________________________________________________________________ I am tried of Convergent Outsourcings harassing calls for a debt I HAVE NEVER OWED. As in the letter I stated above, they have called my home repeatedly, when I answer, they either hang-up or it goes into a que that keeps repeating the same message with no answer. That is why I called them to end this harassment and matter. Your help with this matter is greatly appreciated. Respectfully, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-12
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: XXXX XXXX 2017 i called to cancel my payment because I ca n't pay. The agent kept asking why I ca n't pay. I told her I 'm switching jobs and want to call back when I for sure have the money. She then said she can delete the payment. She asked if they can call me. I said no. She then said " Collections efforts will still continue '' which I felt like was a threat. I was planning to call back once I did my budgeting and possibly pay the balance this month, but the way I was threatened, I do n't want to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XXXX XXXX I originally amended my Chapter XXXX Bankruptcy to included the accounts for XXXX located on XXXX XXXX XXXX, XXXX NJ XXXX. On XXXX XXXX XXXX I remanded the discharge ( Case # XXXX ) to include the same XXXX accounts. My discharge was awarded XXXX/XXXX/XXXX XXXX Bankruptcy Court XXXX Court. XXXX XXXX has recently purchased this debt from XXXX in XXXX XXXX. I have sent the orginal schedule dated XXXX XXXX, XXXX, updated amended schedule XXXX XXXX, and discharge to XXXX, Convergent, and bankruptcy courts. As well as disputed this debt, with Convergence on three separate occasions. XXXX XXXX continues to pursue this debt and report it, while further damaging my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: When I closed my account with XXXX in XXXX, I paid them the total due upon closing and they guaranteed that was the final bill, even though it was double my monthly for some long winded reason, I paid it, just to close the account. A few months later they showed this new amount still owing {$110.00} which I have no record or recollection of. This is plain extortion by big corporations like XXXX, holding people 's credit hostage for unjustified and fake collections. This should be removed from my credit report or copy me on the original date and itemized bill for this amount as this is NOT from XXXX, not even close!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53227
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: OnXX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company XXXX XXXX which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2017-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Attempted to clarify the debt and the amount with XXXX XXXX and was not successful. The bill was with XXXX XXXX in the year of XX/XX/XXXX. XXXX XXXX is charging me an outstanding bill in which I do not owe. And have reported this erroneous amount of debt to all major credit bureaus in the amount of {$550.00} as well stating I open this account in XX/XX/XXXX, which is not true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71118
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX in XXXX WA sent a letter to my son regarding a bill due. The procedure was done when he was XXXX years old so I was the responsible party. The bill was paid XXXX 2016. When I called they refused to talk with me because he is over XXXX- he was n't when the bill was created and due. They want him to call them and, because I do n't trust them, I do n't want him to call and then be harassed. After attempting to speak with 2 first line agents, I talked to a supervisor and he said he will send it to dispute and that I can not do anything else. I will have proof of payment by mail from the XXXX center, XXXX XXXX XXXX, this week. They were horrible to talk to, my son should not have to talk with anyone and this bill is false. They are using it to fraudulently get money for something that has been paid. What can I do? XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: {$460.00} attempted to be collected by company. This is not a debt that I owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX Virginia is stating that I owe them {$540.00} concerning a set top box and a remote control that was not returned. I physically return both units to the XXXX location in XXXX, Virginia. This debt has been re-aged and documentation dated back that far is not available. I would like this item to be removed and deleted from all three credit-reporting bureaus. On XXXX XXXX, 2017, a credit alert was forwarded to my credit monitoring account stating the following : Your FICO Score has decreased by 31 points. XXXX XXXX has flagged your account as Collections. Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. The following account was removed from my credit report previously, but has reappeared after it`s been sold to another collection company. This activity has affected my credit score by a decrease of 31 points, while I`m currently in the process of obtaining a mortgage. I would like this item remove from all 3 credit-reporting bureaus and my credit score restored to my previous score. A thirty one point drop is very excessive for one collection account. Thanks for your time, support and understanding XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A