Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Convergent OutSourcing is trying to collect {$1200.00} for a utility bill from Texas. I don't live in Texas. I would never co -sign for anybody. The last time I have been to Texas was at 1994. I live in Florida. I Have outstanding credit. I have been working for the XXXX XXXX as a XXXX XXXX for XXXX. I have reported this to XXXX everything was erased because it was fraud. This happened last year with another collector it was also erased but it came back again with this Collection Agency. Convergent energy asked me to file a police report as well. This is where I'm confused? Is this necessary? Your help will be greatly appreciated. Thank You Creditor : XXXX XXXX XXXX # XXXX Convergent Acct XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have not lived in XXXX since XXXX. I live in XXXX and this is impossible because the date shows it was opened in XXXX. I would like to have this removed from my credit report as it is falsifying wrong information and inaccurate. There is a copy of my license from Indiana and I was at that address since the end of XXXX. Wasnt in XXXX at the date thats being submitted and reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46385
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Opened in XX/XX/2014. I was told to pay off account cost a specific amount by worker at XXXX XXXX. I paid that amount and was told I am out of my contract. Checking my credit report is shows that I owe an amount that I have never confirmed. I was tricked by this company and it has caused credit issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: During the beginning of XX/XX/XXXX, I received alerts on my credit reports that a total of three ( 3 ) collection agencies had reported debts to my credit reports. The original creditor is listed below. Also, All three accounts were opened in Texas. I have lived in the state of Louisiana for over 20 years. These accounts are fradulent. I am a victim of identity theft. I have filed a dispute with XXXX, XXXX and XXXX. Also, I have filed a dispute with all 3 collection agencies and the original creditors. I filed a police report on XX/XX/XXXX with my local municipality. I am waiting to receive the actual report but I do a case #. I am requesting an investigation and ultimately I would like these collection debts to be removed from my account. Thank you. Original Creditors : ( 1 ) XXXX XXXX XXXX - {$1200.00} Acct # XXXX ( 2 ) XXXX XXXX - {$930.00} Acct opened : XX/XX/XXXX ( 3 ) XXXX XXXX XXXX - {$1600.00} ( XXXX ) Acct # XXXX Acct opened : XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 18 USC 8, I owe no debt, These companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX convergent outsourcing ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: They call daily making threats, sometimes call and dont say anything. The debt was sold and charged off. Sent to collections without my knowledge of knowing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2022 I purchased XXXX XXXX fold XXXX from XXXX inside a XXXX XXXX store located in XXXX XXXX XXXX California. Then I returned the item in XXXXXXXX XXXX2022 at XXXX XXXX, XXXX XXXX. Then I contacted through phone and let XXXX know that I returned the item. And sometimes in XXXX they ( XXXX ) confirm me that they have the item ( XXXX XXXX ). But in XXXX they send me the whole due bill for the smartphone. But actually I owe money to XXXX because I returned it. I have attached return receipt which I collected from XXXX XXXX store where I returned the item.
Company Response:
State: CA
Zip: 90301
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: *** Missed portion of the initial complaint*** The company failed to address them illegally collecting in the state of Texas . Texas Surety bond information as required by Sec. XXXX. I attached a filed complaint with the Texas Attorney 's General office and a copy of them not have a valid and open surety bond. This company is in violation of Texas law and I demand for this to be removed from all 3 credit bureaus. So apparently, they did not read my complaint in its entirety. Per this requirement you must delete this trade line. And you somehow just wanted to close the previous complaint without them specifically addressing all my concerns. Sending me the validation was only part of it. How are they allowed to illegally collect in the state of Texas which is why I filed a complaint with the Texas Attorney Generals office, which is attached. All their surety bonds are closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76052
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Prior to XXXX/XXXX/23 I had a mobile account with XXXX XXXX under XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX and terminated mobile services. After XXXX/XXXX/23 I did not use any service or purchase any product from XXXX XXXX nor did i receive any bill from them. On XX/XX/XXXX I received a demand letter from Convergent Outsourcing Inc falsely claiming I owed XXXX XXXX $ XXXX without any information as to what specifically the bill was for. I called Convergent Outsourcing and spoke with an agent and indicated i terminated my phone service with XXXX XXXX in XXXX and did not owe them anything. The agent did not provide any information regarding countermanding my statement. I then called XXXX and spoke to XXXX and again explained i terminated service with XXXX XXXX in XXXX and did not owe anything- once again, XXXX XXXX did not deny what i have stated. This to me seems to have the badges of fraud and I have made complaint to the Washington State AG office, as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: There are too many violations to pinpoint one specific reason for this " complaint. '' This is not a complaint- This is a NOTICE. I mailed the attached documents to them XXXX ( XX/XX/2023 ) Certified, Priority Mail, Return Receipt. As of right now, tracking shows it has arrived in XXXX, Washington and should be delivered either today or by XXXX tomorrow at the latest. CFPB- you know the laws. You enforce the laws. You have the power to impose fines. I believe that my request is quite minute- given the number of violations and amount of damages I've endured from this company. In the event that Convergent fails to comply ( hard to envision any accountability at this point ) I plead that you exercise the powers granted to you by congress. The cost and time it would require to go through the courts is not ideal for myself, I doubt that it would be for convergent. Convergent Outsourcing- this is a copy of the notice that you should be getting very very soonl
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 667XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A