Date Received: 2023-04-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have repeatedly tried to handle this situation with grace and elegance but this company just does not seem to care! NOT ONLY DO THEY NOT CARE THEY ARE NOT EVEN LEGALLY AUTHORIZED TO COLLECT IN THE STATE OF NJ Attached is all correspondence with this company! They did responded my letter I sent back in 2021 but with no information verifying the debt! The did not give me a contract with THIER COMPANY WHO IS COLLECTING! Exhibit 1,2,3 & 4 will be attached Upon checking XXXX consumer this company is wrongly collecting in the state of NJ
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried on multiple occasions in 2022 to have an inaccurate Collections account that has been on my credit report. This company kept on harassing me by phone calls. The reporting agency has refurnished this derogatory information which has caused me to be unable to have access to conduct fair consumer transactions such as purchasing a home.
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: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family. According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on! In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. On XXXX and XXXX CONVERGENT OUTSOURCING : # XXXX has violated my rights. This collection agency has no respect for the laws. Someone needs to hold them accountable for this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Have you spoken to the manager and he agreed after me providing police report and other supporting documents that this account does not belong to me and Ive never signed it wet signature for this account. Im a victim of identity theft and they agreed to remove this from your credit report and collection agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06451
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 12 USC 1813 PLEASE REMOVE ALL ACCOUNTS ON MY REPORTS OR CREDIT FILE AND CHANGE TO PAID IN FULL AND RETURN ANY FUNDS DUE BACK TO ME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company called " Convergent Outsourcing '' has called me repeatedly on my unlisted home number. I have asked them to remove my name from their call list. The number that called was XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Sir or Madame : I am writing this complaint in regards to an alleged {$1300.00} debt that Convergent Outsourcing , IncXXXX is reporting to the credit bureaus. According to the information reported to the Credit Bureaus, the date of first delinquency was XXXX, XXXX. The Statute of Limitations on this alleged debt, even should it be mine, is 5 years in the state of Missouri. Since the debt is out of the statute of limitations, and they are reporting this on my credit report, they are conducting collection activities on zombie debt. Not only is this zombie debt, the documents I have attched show the account has been re-aged and the status misrepresented to the credit bureaus in order to continue collection attempts via reporting the information. This is being reported as an " Open '' account when in fact it has been closed for many years, according to the original creditor, and the company gone out of business. The computer generated print out of the alleged debt that this collection company has sent to me did not meet the legal standard of validation as requested ; However, their own document shows the 1st date of delinquency as XXXX, XXXX, yet they as reporting the account as opened as of XXXX, XXXX, as evidenced by the printed screent shot of the account. Additionally, they are reporting it as an alleged {$1300.00} debt, when I have evidence of a statement from a previous collection company showing an alleged debt for a different amount, which brings intoi question the entire history of the alleged account as inaccurate. I have atteched this document for your reference. This is why I requested the account history from both the Original Creditor, XXXX, and this collection company, Converegent Outsouring , IncXXXX which neither has provided as requried pursuant to a request for investigtation into the accuracy of the records via the FCRA Section 623. Reporting the alleged account as being opened XX/XX/XXXX, is impossible evidenced by the date of 1st delinquency reported by their own firm. This is merely and attempt to re-age the account by this collection company, which I am sure you are aware is a violation of the FCRA. I'm sure you are aware of the provisions in the FDCPA. However, I would liiketo point out that this company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute can be found in 15 USC 1692e subsection 2 The false representation of - ( A ) the legal status of the alleged debt AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. This alleged account is zombie debt which has been re-aged to misrepresent the staus. I am also certain this company does not have, and has in fact failed to provide on serval occations as requested, adequate documentation to prove in court they have a right to report this negative information on my credit report, and therefore are in violation of the FCRA as well as the FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I spoke with a representative named XXXX from the Fraud Department of XXXX Credit Bureau, who was very rude, I stated to him the debt has not been validated. However upon reading the response from the company, I never received a packet to the address on file to complete and return. I was also made aware today the debt was verified. If the Company can send it via email to XXXX so that I may fill out the packet for completion stating its FRAUD. Under the FDCPA I do not have an obligation to pay a 3rd party ( Convergent Outsourcing ) who does not own the debt originally. If the company can send me the documents with a WET signatures that I made a agreement to pay the alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, I cant provide the exact dates because it happened a couple of years ago, I had a XXXX XXXX account, probably around XXXX or XXXX. This account was paid by XXXX XXXX when the Switch to us program was available. I visited a XXXX company back in the days and offered me the promotion of paying the account to switch to them. It is not the first time that XXXX provide the wrong information to me causing me to own money. Before I had to solve owning a phone after it was informed to me that removing that line wouldnt affect me, that situation was fix successfully but now Im dealing with this unpaid account that I wasnt aware of and trusted that it was paid off by XXXXThe information that was provided to me was that this balance was paid off. If a employee made a mistake or misinformed me, I should not be having this reported. Since I am disputing this debt, CONVERGENT OUTSOURCING should not report it to the credit reporting agencies. Reporting information that is known to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting act. Total amount supposedly own {$2400.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33030
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: At some point my identity was stolen to purchase a XXXX XXXX in Illinois using an Illinois address, I have never purchased a XXXX XXXX from XXXX nor have I lived in Illinois. I have brought this to the attention of CONVERGENT OUTSOURCING but they have not responded or investigated and only rubber stamped their own verification. It is horrible to be the victim of identity theft and it is made worse when people affect your credit and come after you for things other people stole.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43085
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A