Date Received: 2022-11-28
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:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Convergent Outsourcing is attempting to collect a debt that I don't owe in the amount of {$73.00}. I never opened an account with XXXX and not sure why this has showed up on my credit report. This is a case of identity theft and is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. Convergent Outsourcing has no right to report on my credit report. Convergent Outsourcing and XXXX should not have any of my personal information. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Convergent Outsourcing and XXXX are in violation of contacting me this is harassment and abusive practices. This is a violation of rights and Convergent Outsourcing failed to send me a debt validation letter before placing this account on my credit for that Convergent Outsourcing should be investigated and shut down as the economy is hard enough living during post XXXX XXXX. Furthermore whomever really owes this debt should be given a grace period before the debt is just placed on their credit report since XXXX hit the world out of no where and people are trying to repair the financial damage it's caused the debt is only for {$73.00} but the negative impact it has on someone's credit staying for 7 years is crazy and should not be allowed! I am pretty sure there's a way to work out a payment schedule that both the creditor and the person responsible can figure out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have attached Identity Theft Report and Police Report Two crimes happened : Cyber criminals took my info from XXXX, XXXX XXXX Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) Convergent sent me a letter on XX/XX/XXXX to collect a debt that does not belong to me nor have I ever stayed at the address that is on the bill they sent me via bill. The letter states that are trying to collect a debt that is owed to XXXX XXXX XXXX. Convergent Account XXXX XXXX I sent a debt validation letter dated XX/XX/XXXX A notice to dispute this fraudulent debt 1. Send me a original documents with my ( signature ) listed on it 2. According to Fair Debt Collection Practices Act I requested evidence in support of this claim 3. Providing a copy of all paperwork that show I agreed to pay what they say I owe 4.Provide a a verification or copy of any judgment 5. Prove the Statue of Limitations has not expired on this account 6. Show me that you are licensed to collect in my state 7. Provide me with their license number and Registered Agent or Agent of Service at this time I will also inform you that if their offices have reported invalidation information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by this company or the company that they represent, I will not hesitated to being legal action against you for the following : 1. Violation of the Fair Debt Collection Practices Act 2. Defamation of Character If they continue to report inaccurate information they are in violation of section 809 ( b ) of the FDCPA and FCRA rule 611 and subject to a fine of XXXX per violation which I intend to pursue Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA I requested written verification of the debt with my SIGNATURE on it and they sent me a copy of someone's bill ( see attached document )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a debt with Convergent Outsourcing for XXXX originally set a payment arrangement with the company to pay the full balance owed. XX/XX/XXXX I made my first payment of XXXX. After making the payment, I asked the company for a receipt showing I made the original payment. I was informed that the payment arrangement was no longer in place because the payment came in a few days after it was originally supposed to. I again requested a receipt from the company showing my payment and on XX/XX/2022, I received an email from a Convergent Outsourcing supervisor showing the payment I made and stating the balance remaining on my account as being {$50.00}. On XX/XX/2022, I made the payment of {$50.00} and requested a letter from the company showing my account settled for a lesser amount. I called the company and told them I made the payment they requested and was informed that they would not honor my payment. I confirmed with the company that I received the letter from a Convergent supervisor with the authority to send this information and was later called by the director XX/XX/2022 saying my account with them would not be closed and it didn't matter what information they sent to me. I requested to speak with the board of directors for the company and the director told me this would be the last call I receive from anyone from the company in reference to closing and settling my account and that the account would remain open regardless of what was sent to me from the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt was owned by a previous debt collection company known as CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX I was sent a letter claiming a debt of a different amount from the following company was owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with signature not only did they not respond within 30 days. But when I finally received communication they had sold my information WITHOUT my consent and were were not able to produce any valid documentation as well as stated this collection account is and never was in there system. This debt was then disputed. XXXX Report Number XXXX Date : XX/XX/22 My information was then sold to And purchased by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. XXXX XXXX XXXX is in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt. Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they were not able to provide this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: my social security number was stolen and several energy accounts were opened under it in Texas and they keep showing up on my credit report as a collection account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57701
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Convergent Outsourcings XXXX XXXX {$2200.00}, has violated my rights. 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 also states a consumer reporting agency can not furnish a account without my written instructions 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 of 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 knows 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: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Convergent outsourcing attempting to collect on behalf of sprint. I have requested on multiple occasions over the course of a few years for validation proof. They have refused to validate the debt to me. I've disputed multiple times and request the validation method from the investigation through the credit bearus and still never recieved any validation. It's not right for this company to destroy my credit for years when they have failed on multiple occasions to provide validation.
Company Response:
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A