Date Received: 2023-01-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Convergent Outsourcing Inc. Sent a letter addressed to me saying that I owe a debt that isn't mine and that if I don't pay it, they will add unauthorized information to my credit report which is a violation of the FCRA 15 USC 1681i as well as other laws. Please delete this debt as I do not owe it and you are not authorized to put any negative information on my credit report. I was lied to and misled at some point. I am here by exercising my rights under the FCRA. ACCT # XXXX should be deleted immediately. Validate the debt. Send copies of any contracts with my signature as I am the original creditor in all consumer credit transactions. There are also letters to XXXX, XXXX and XXXX attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've reached out to Convergent to ask them to do a complete investigation of a credit report item relating to XXXX. They responded saying that they've done a complete search and that it's accurate. I am not saying it's not accurate, but I'm not sure, and I'm asking if someone else with a professional eye could look and see if it is accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX sent me to collections and put a negative mark on my credit report for XXXX XXXX that I didn't authorize to be placed in my name and it's at a residence I don't even live at, I have called the company and told them I didn't authorize any services and I was unaware of services in my name as I don't live at the residence it's associated with
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I FILED A COMPLAINT WITH THE CREDIT BUREAUS AND CONVERGENT WITH NO RESULTS. CONERVENT SENT ME A RESPOSE SAID IT WAS MY ACCOUNT. I THEN MADE COMPLAINT TO YOU CFPB ON XX/XX/XXXX AND PROVIDED DOCUMENTATION. CONVERGENT RESPONDED ON YOUR WEBSITE ACKNOWGING THEY WERE INCORRECT, THAT IS NOT MY ACCOUNT AND PROMISED TO HAVE THE BUREAUS REMOVE THE ACCOUNT FROM MY FILE. WELL XXXX SENT ME A LETTER ON XX/XX/XXXX SAYING IT IS MY FILE BUT IT IS NOT. IT HAS BEEN MORE THAN 30 DAYS, CONVERGENT PROMISED TO REMOVE THE ACCOUNT BECAUSE ITS NOT MINE, BUT XXXX IS REFUSING TO DO SO. HERE IS CONVERGENTS MESSAGE TO YOU.. Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : CONVERGENT OUTSOURCING INC XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF XXXX DELIQUENCY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com. CONVERGENT REPLIED ON THE WEB PORTAL ALSO. THEY SAID : Company responded STATUSCompany responded on XXXX TYPEClosed with explanation Company 's Response XX/XX/XXXX This reply is in response to your complaint we received from the CFPB. We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation, we are replying with the following information : Convergent Outsourcing does not believe that we have violated any laws. On XX/XX/XXXX, XXXX placed an account for you in our office, to collect a balance on their behalf. On XX/XX/XXXX, we sent you a validation notice. This notice included your right to dispute the balance owed. On XX/XX/XXXX, we received your credit bureau dispute notification. The account was placed in a disputed status and collection activity was suspended. On XX/XX/XXXX, we mailed you the documents obtained from XXXX XXXX XXXX the balance that they state is owed again. Please note that the validation information we have provided you is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to validation of debt. In response to your complaint, we have closed this account in our office and returned it to XXXX. Convergent Outsourcing will request that our information for this account be removed from the credit bureaus. If you have any further inquiries regarding this matter, please contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our XXXX Department by Email at # XXXX should you require further assistance. Kind regards, Consumer Affairs XXXX at Convergent Outsourcing , Inc .
Company Response:
State: MS
Zip: 396XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is about a complaint sent from me to you through CFPB submitted XX/XX/22 requesting your company for validation of the account from XXXX # XXXX. In response to my complaint, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction. Further, the creditor reported this on my Consumer Reports ( XXXX & XXXX ) as Charged Off. This means that the creditor XXXX is no longer attempting to collect the alleged debt owed by them. I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me, as a consumer, that the creditor was attempting to collect a debt but in reality, it was not true. Because of your deceptive tactics I demand you delete the collection account off of my XXXX and XXXX consumer reports. If your company does not comply I will be forced to seek litigation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Convergent Outsourcing is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Convergent Outsourcing has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Moreover, Convergent Outsourcing, has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very concise as to the Civil liability and the remedy available to individuals ( Section 616 & 617 ) if companies fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been paying back my medical bills and noticed they are putting charges for my relatives on my account. They have put charges on my account for both of my siblings and I have contacted them four times over this by phone and over their customer support. Two times I never got responses back and the other two times I was told they would look at the case with a supervisor. This has been happening over several months and it is still not corrected and they keep contacting me for repayment of these depts that are not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47909
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i was a victim of idenity theft collection agency : XXXX XXXX date XXXX Collection agency : Convergent Outsourcing, INC {$350.00} XXXX XXXX XXXX XXXX {$180.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} Collection Agency : XXXX XXXX XXXX XXXX XXXX : {$610.00} XX/XX/XXXX Collectional Agency : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33830
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2021, I reached a settlement with Convergent Outsourcing ( Account Number XXXX ) where I " legally paid in full for less than the full balance '' an old account ( Original Debtor was XXXX XXXX XXXX XXXX Since that time, Convergent Outsourcing has failed to change the status of the account and it is still reflecting as an account in collections on my reports with the credit bureaus. The amount I paid when settled was {$1600.00} and it was drafted from my checking account on XX/XX/2021. I have contacted Convergent Outsourcing multiple times requesting deletion of the reporting and a deletion letter, but all they have done is mail me a receipt of payment and tell me to contact the credit bureaus. I am applying for a home loan and this false reporting which they are not doing anything about is negatively impacting my ability to get a reasonable mortgage rate. Debt Collector Info : Convergent Outsourcing XXXX XXXX XXXX XXXX. XXXX, WA XXXX XXXX or XXXX XXXX XXXX : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A