Date Received: 2023-04-08
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Please, I need help... I'm single after 31 years, never had to work... working now 6 days a week... ex responsibility for this bill... help me get it off my report..please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called Convergent Outsourcing on XX/XX/23 to request a settlement on my XXXX XXXX which I show on my credit report and also on my last bill the balance is {$1500.00}. At that time I was told the balance was {$1700.00} which I stated was incorrect but was told that is what they show that was sent to them by XXXX. I disagreed and later emailed them and asked them to send me proof of the debt. Although I requested this information in XXXX I just received the documentation on XX/XX/23. I have attached pictures where they show the same bill balance of {$1500.00} not {$1700.00}. I want to know where the difference of {$270.00} is coming from and so far they are not able to prove to me that I owe that difference. I feel that I shouldn't have to pay anything that you can show me that I owe even after asking them to provide me with proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was notified that there was a collection on my credit report from XXXX XXXX. The collection company is Convergent Outsourcing in XXXX XXXX. I have never used XXXX XXXX. The collection company gave me the account number, the address and email that was used. All of those were not mine. They did use my old phone number and somehow had my last 4 digits of my social security. I do not know how they got those but I did get a new phone and phone number around the same time back in XXXX. The collections lady said maybe they got my old phone number and were able to obtain the info. I only know that it was not me. I never lived at the address given. I never had an XXXX account. I did not have the other phone number used to set up the account. The address given was XXXX XXXX XXXX XXXX IL XXXX. The XXXX account used was XXXX. The email they used is XXXX. The other number attached to the account was XXXX. I have lost a loan because of this issue and can not get this removed from my account without an FTC claim. This charge is NOT mine. I pay my debts. I never opened this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 491XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have consistently disputed a Collection by Convergent Outsourcing for a XXXXXXXX account they tried collecting on. I have already paid the collection off with Convergent Outsourcing and it continues to remain on my XXXX Credit Report despite how many times I have disputed the item that it has been paid and needs to be removed from my XXXX Credit Report. Furthermore XXXX Credit Reporting Agency has failed to honor my request and remove the item that continues to hurt my credit and keeps showing as an active collection on my XXXX Credit Report. Action to remove the item from further hurting my credit must be taken. Collector : Convergent Outsourcing ( XXXX XXXXXXXX XXXX Date Opened : XX/XX/ Paid : XX/XX/XXXX Paid in XXXX Amount : {$2600.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a debt collection letter today ( XX/XX/2023 ) from Convergent Outsourcing ( dated XX/XX/2023 ) that I owe money to XXXX XXXX. I never have had XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17404
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is my formal written complaint. I am denying all calms by. CONVERGENT OUTSOURCI I have never done any business nor received any goods/services from CONVERGENT OUTSOURCI In fact, I am 100 % confident that the plaintiff can not provide any instrument of a signed contract/agreement between CONVERGENT OUTSOURCI and myself, labeling me as a debtor who is obliged to any debt/monies owed to them as a creditor. It is from my understanding that I do not know of this entity and under federal Law they do not have the legal right to bring forth any said " claiter '' against me. I would like this investigated immediately and removed from my report once found inaccurate information. This has caused severe damages to my consumer report, livelihood, and character due to their inaccurate reporting on my consumer report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: IN XXXX AND XXXX OF 2023 I CONTACTED CONVERGENT OUTSOURCING ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70805
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never in life had a XXXX bill. My credit report says i owed the and it was sold to collections. It is stopping me from getting a personal loan, I would like it removed asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48214
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a validation letter to this company, I asked them to provide me with the documents that say that I have an obligation to pay them, the original contract with my signature on it and they only sent me a copy of a bill which it does not prove that the debt is mine, I need this company to send me all of the documents that I asked for, I want to see the original contract that obligates me to pay them, by law I have a right to see the original contract and it must have my signature on it. Even the address on the bill that they sent me is incorrect, that is not my address. This company put a collection on my credit reports and this is affecting my credit score badly. This company has not proven to me that this debt belongs to me, in order to do that, they must provide me with the documents that I asked for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A