Date Received: 2023-06-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've reached out and reported fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the about of {$1800.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Consumer disputes account through Credit Bureau several times. Collection agency keeps increasing and decreasing amount owed each month without consent from consumer. Collection agency increases {$1.00} to amount allegedly owed, then the following month decreases said amount by {$1.00}. Collection agency does this every month. This is unfair practices and Collection agency refuses to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe this bill. It was disputed with XXXX XXXX and this company did not show a signed contract and no proof of bill of sale from then. I never had a bill with XXXX never signed nothing for this company. They took it off my credit and keep selling this over and over. I did a police report this is 7 years old and should not be on my credit and XXXX XXXX told Al the credit reporting companies and they verified it and took it off and the sold it and now say XX/XX/2023. This is not true. This is my 2 time reporting this XXXX bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43119
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was unaware of any lingering debt I had with XXXX until I acquired my credit report and it stated it was back in 2020 that the amount of {$780.00} was past due. This is a debt that should be removed from my report and removed as a collection from all major credit bureaus that are reporting this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that Convergent Outsourcing, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: this false information I have never opened an account with XXXX on XX/XX/XXXX. CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$790.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$790.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$790.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am personally attaching an Arbitration Demand on my behalf to XXXX and Convergent Outsourcing. Do not close this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a collection alert from a credit monitoring company in XX/XX/2023 for XXXX XXXX XXXX ( who I have never purchased anything from ), or a collector that they have hired, for an electric bill in XXXX XXXXXXXX XXXX I have never lived in XXXX XXXX nor to my knowledge have I ever been there. I called the collection company, Convergent Outsourcing, in an attempt to resolve, the problem and was told to submit a dispute with the credit bureaus. After multiple disputes and some success the collection persists. I never received any kind of phone call or other kind of verification from XXXX XXXX that I was activating an account nor did I receive any notification from Convergent Outsourcing. I do not understand why the burden of proof lies upon me to say this is not my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent Outsourcing is reporting this collection, in the amount of {$2100.00}, as an Open Account which is not under FCRA compliance. This inaccurate reporting needs to be removed immediately and permanently. In addition, on XX/XX/2022 I submitted a complaint regarding XXXX XXXX reporting that this debt was for the same amount as the original creditor which was deleted. This inaccurate collection must be deleted immediately and permanently! This is the second time this creditor has destroyed my livelihood for my family. Please give your attention to this urgent matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A