Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX of this year disputed this transaction with credit bureau. Also sent certified letter to Convergent Outsourcing INC on XXXX.never received a response. XXXX XXXX XXXX on Date Assigned XX/XX/XXXX Original Balance {$410.00} Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am filing this complaint as I can not have a debt on my credit report taken out of dispute. I have a collection from Convergent Outsourcing ( XXXX ) who is reporting to XXXX and XXXX as in Dispute. I have called Convergent Outsourcing who has told me that it can not be taken OUT OF DISPUTE until its paid. I have called XXXX and XXXX multiple times to have it removed from dispute. They keep telling me it will be removed in 72 hours only to have my mortgage loan officer pull a new report to show its still in dispute. I am not able to move forward with purchasing a home until my account is taken out of dispute. Please help me with this matter. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX received letter from Convergent Outsourcing XX/XX/XXXX I Sent a debt validation letter requesting : -Provide verification & documentation that these is a valid basis for claiming that I am required to pay the debt to the current creditor with my original signature.. -Advise when the creditor claims this debt became due and when when it became delinquent -Identify the date of the last payment made on this account, -Advise if a determination that this debt is with the statute of limitations applicable to it. -Advise when do they think the statute of limitations expires for this debt and how is that determined -Details about their authority to collect this debt : Does company have debt collection license in Georgia. If outside of Georgia does the firm have a debt collection license from that place, and if so please provide the date of the license, name on license, license number. etc. XX/XX/XXXX : Received " verification '' of debt a billing statement ( XX/XX/XXXX - XX/XX/XXXX ) and flex lease agreements without my original signature
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A third party company ( Convergent ) claims to be representing an Internet Service Provider ( XXXX ) and that we are past due. Problem is we have NEVER had an account with XXXX. I contacted XXXX, in case they were a company we used to know but under a new name. XXXX assured us we did not owe them anything and did not have an old account with them. Convergent is sending invoices by mail with instructions to pay them directly. Thanks XXXX XXXX XXXX *Convergent lists their address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The account was created in 2018, it was fraud. Some one opened a XXXXt account in my name and now it is a charge off under my credit report. I reached out to the debt collector XXXX but they never follow thru in sending me the correct paper work to my address to handle this problem. I also think they are guilty of zombie debt because this has been on my credit serve different times with different dates of active.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed these debts with XXXX, XXXX and XXXX 6 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The following collection : XXXX XXXX {$2300.00}, Convergent Outsourcing {$2400.00} and XXXX XXXX, XXXX {$870.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
Company Response:
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Theyre trying to collect a debt thats not mines from XXXX cable I ask for their original contract, and I told them this is not me, and XXXX refused to move it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX, XXXX incorrectly billed me for an international call allegedly last XXXX minutes which is inaccurate. Upon receiving the bill, I made a number of attempts to dispute the claim with XXXX both over the phone and in person at one of their locations. My dispute was based on two facts ; 1 ) Through my entire relationship with XXXX I had never made an international call last more than 2-3 minutes as those can and could at the time be made free using the Iphone facetime voice call or other applications. For this, while they could clearly see my history I also provided them with copies of all my statements for the prior 12 months. 2 ) I provided them with evidence from my phone records showing the alleged call being made at XXXX XXXX on XX/XX/XXXX, but only lasting 2 minutes as it was Cancelled or Dropped at XXXX XXXX. I have maintained evidence of these records and they can be provided at anytime As I continued to dispute the claim in early XXXX, XXXX referred me to a collection agency ( Convergent Outsourcing ). Convergent immediately reported the claim to the credit bureaus without any efforts to understand the disputed claim. At this point in order to make an attempt to avoid further harm to my credit score, I agreed to settle the claim but only once Convergent agreed to remove the record from my credit report, which they noted over a recorded line that if I called once the settlement had been processed, they would request the record to be removed. The settlement processed XX/XX/XXXX Currently, this continues to be included in both my XXXX and XXXX credit reports and has been removed from my XXXX report after attempting to dispute the reporting with all 3. I have continued to make efforts to contact both Convergent and XXXX on the matter, as of the most recent call the week of XX/XX/XXXX, Convergent noted that they could not locate my file and XXXX claimed to not be able to locate it and after further escalation they were requesting me to go to one of their physical stores, which based on prior experience it would just be another attempt to defer resolution. After attempting to discuss the matter with Convergent and XXXX once again, I followed up with the XXXX Disputes team, who adviced that Convergent has refused to provide them evidence other than noting that the claim must stay and the XXXX associate opened another dispute, however he advised me to file a CFPB dispute as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On server occasions over the course of seven months The Convergent Outsourcing Company keeps falsifying information about validating a debt collection and the company falsify quoting On XX/XX/XXXX, XXXX placed an account for you in our office, to collect a balance on their behalf, in the amount of {$1000.00}. On XX/XX/XXXX, we sent you a validation notice. This notice included your right to dispute the balance owed. In writing I am strictly applying In accordance with the Fair Credit Reporting Act. This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information the Convergent outsourcing took including but to limited to : 1. The initial written and signed contract showing I the costumer and convergent outsourcing in any agreement. 2. The account and amount of product or services that I the consumer and convergent outsourcing agreed upon. 3. All the detail steps showing proof of signed joint contracts from initiation to closure establishing names of parties involved in this said contract. According to the FCRA this should be presented within15 days completing your re-investigation. Also under federal law you have 30 days to complete this final delivery of your investigation. Being unable to provide accuracy I request this inaccurate information be removed from my consumer report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
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: After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account I did not recognized. I reviewed. my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated reflect that the account is disputed and therefore a second validation letter was sent out on this day. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureau 's until adequate validation has been received proving that the account belongs to me and all information is correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A