Date Received: 2022-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a collection from CONVERGENT OUTSOURCING ( XXXX XXXX XXXX XXXX XXXX XXXX on my account & Ive never applied for or had their services! I contacted them to explain that I was a victim of identity theft and that I needed their account deleted ASAP! This account was open before I was XXXX XXXX XXXX and if they dont have proof of a signature I need this account DELETED!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have been continuously denied for services started in XX/XX/XXXX that are supposed to be meant for me to receive. I have contacted multiple representatives, agents and supervisors at this company through email, mail and voice. Ive filed complaints with XXXX and XXXX which resulted in me receiving a denial letter. Ive contacted the trustee ( XXXX XXXX XXXX XXXX XXXX ) and treasurer ( XXXX XXXX ) of this company and have not gotten any remedy regarding my accounts. I know that using the SSN assigned to me at birth doesnt belong to me according to the guidelines, rules and procedures of the SSA act and that I have been turned into a transmitting utility ( Privacy Act of 1974 ). I know that ALL debts public and private belong to the United States according to Title 18 sec 8. I now know that all these years I have been paying a debt with debt notes and have tried to properly pay with the bonds attached to the remittance slip and have been denied. I have filed billing errors with XXXX XXXX, XXXX company and my services have been interrupted and is still currently off 15 USC 1666 ( a ). I have been hindered over these past few months because my life has been stopped with work, family, not being able to reach out or make important calls and missing important calls regarding court cases. XXXX XXXX, XXXX have not been following protocol according to their security agreement theyve filed with the Securities Exchange Commission XXXX XXXX. XXXX XXXX, XXXX have taken adverse action against me and shut off my services, closed my accounts, and denied me access to even view any statements needed to make proper payment 15 USC 1666 ( Pub. L. 90321, title I, 161 ). I know for a fact that XXXX XXXX, XXXX company have committed mail fraud over these eight years that Ive have services with them by sending statements via online portal and certified mail that are considered securities in which are supposed to be sent registered mail and have been soliciting a bill to me in which only the president of the United States can write bills that are put into effect. I know that according to the Securities Exchange quarterly and annual reports all debts are to be discharged and copies of the income that has been discharged should have been sent to me via registered mail so that could file them with my 1040 individual tax return. I have been threatened and violated in reporting my personal information to the credit agencies and have had multiple third party debt collectors come after me in pursuit of collecting debts owed 15 USC 1666 ( a ) ( Pub. L. 90321, title I, 162 ). I know that any account that has an outstanding balance in access of 1 $ and should be credited to my personal account 15 USC 1666 ( d ) ( Pub. L. 90321, title I, 165 ). I have previously sent in the statements to the proper departments for payment with the proper bonds and even attached the remittance portion which is supposed to be deposited into my personal account via electronic funds transfer, 22 CFR 22.3 and T- Mobile XXXX XXXX XXXX XXXX have kept the payment stub and remittance coupon. I know that due to my ignorance I was unaware. Please help me get relief as I have been denied trying to properly get remedy. The definition of an account 12 CFR 1002.2 means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. Adverse action means ( i ) A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered; ( ii ) A termination of an account or an unfavorable change in the terms of an account that does not affect all or substantially all of a class of the creditor 's accounts ; or ( iii ) A refusal to increase the amount of credit available to an applicant who has made an application for an increase. Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes. 45 CFR 2554.4 A statement means any written representation, certification, affirmation, document, record, or accounting or bookkeeping entry made with respect to a claim or with respect to a contract, bid or proposal for a contract, grant, loan or other benefit from the Corporation. Also the Telephone Act Title 47 USC 227 says that I am entitled to everything in my demands upon written notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$1100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX cell account # XXXX. XXXX owed {$1100.00}. The debt was transferred to Convergent Outsourcing XXXX. Which was settled for XXXX cents on the dollar. I paid Convergent Outsourcing account # XXXX {$550.00} to settle the account. They said they would report it to XXXX as account paid for XXXX cent on the dollar and it should be closed with a XXXX balance. They also sent me a letter with a receipt for the amount paid for less than the full balance and the account should be closed. It would also be reported to XXXX as such. XXXX is telling me i still owe the balance although it was already settled with the XXXX XXXX. That is mis-information on both of their part. The XXXX account should show settled and with a XXXX balance and account should be closed. But the account is still showing open with a balance on XXXX side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX {$1800.00} XXXX XXXX.directly who stated they could not send me proof of the contract I supposedly signed. Refuses to stop.collections and remove from my credit reports, all XXXX of them. Contacted collection agency at XXXXXXXX convergent. Refuses and says they can't send me a contract also. Refuses to stop collections and told me to contact XXXX. Will not seize and desist collection efforts although I have asked numerous times for them to fix my credit report showing this is not my debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I moved from said residence and terminated the service but XXXX continued to bill me. Once I was made aware of the bill they were not willing to work with me to resolve it prior to it reflecting on my credit report. It's not fair for me to be responsible if I gave notice and was under the impression that the account was closed. XXXX failed to disconnect the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
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: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Approximately early XXXX, saw that my frozen credit had received a collection notice against it, instantly hurting my credit score. I had previously frozen my credit as I had observed several attempts to open accounts under my name in the XXXX timeframe. This account however, I had no awareness of, is not mine and is purely a result of identity theft. I attempted to file a dispute with XXXX but they require me to file a dispute with the FTC which redirects me to you. Below is the information reported by XXXX : Original creditor XXXX XXXX Account info Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$680.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$680.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I have not received any investigation results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
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: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A