Date Received: 2022-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Im Accordance with the fair credit reporting act XXXX account # XXXX, had violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. I badly need your help on this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: -I switched cellphone carrier 's on XXXX.22 went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX -On XXXX.22 I received by last bill from XXXX in the amount of {$620.00} -what was concerning about the bill was that neither of the payments I had made on XXXX22 or XXXX.22 were annotated on the bill. -I contact XXXX spoke with a rep by the name of XXXX she asked detailed information about the payments and placed request to search for the payments the request # 's are as follows : XXXX & XXXX she stated that I would be notified by a XXXX about the request but I never was contacted. -In XXXX I received a bill from XXXX stated that I owed {$340.00}, also noted on the bill was the XXXX22 of {$280.00} but no mention of the XXXX.22 {$260.00} payment. -Then on XXXX.22 I received a collections notice form Convergent on behalf of XXXX stating that I owe {$340.00}. -To date I have not received any follow up from XXXX in regards to my XXXX22 payment of {$260.00} towards my XXXX account. Also when I logged in online on XXXX22 to make my last payment it showed a balance of {$280.00} which should have paid of the account then end of XXXX I began receiving bills that made no sense and my online account did not allow me to see all the billing. PLEASE SEE ALL ATTACHMENTS WITH THE XXXX BILLS AND MY PAYMENTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74105
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Contacted this Debt collection agency in writing with certified mail. Provided them with everything they need to know within the letter that I am a victim of identity thief. Provided the FTC Report with collection agency. Never gave this company consent to furnish anything negative on my consumer report. This information should be off my report immediately! Provided all the documentation on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Convergent Outsourcings reporting collection on my XXXX and XXXX credit report. This is not my account. I need it removed. XX/XX/2022 for XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A Checking account and 2 separate Savings accounts were opened in my name at XXXXXXXX XXXX, my social security number was used, but not my full legal name, and false addresses were created .This all occurred between XXXX and XXXXThe person or persons then deposited checks that were not good, but before this was found out by XXXX XXXX, they made multiple ATM withdrawals, agai st one of the Savings accounts, which resulted in a {$3200.00} debt owed to XXXX XXXX In addition, a NOW card from XXXX was activated under my name. I was unaware of any of this until contacted by a collection agency Convergent. I have now worked with XXXXXXXX XXXX and completed a Fraud Report with their collections department and an Idenity Theft Kit and provided proof of my real identity and address at a local bank site with XXXX XXXX a Branch Manager, who guided me to report this Fraudulent act and Idenity Theft to the FTC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. 15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. On XXXX XXXX by Certified Mail I disputed inaccurate and unverified information on my XXXX XXXX XXXX consumer report from XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attached those correspondences below. XXXX XXXX XXXX responded by placing a block on the XXXX file due to Identity theft in which I included a police report. I then received a letter from Convergent attempting to collect on this alleged debt. XXXX XXXX XXXX sent a response regarding my dispute with XXXX XXXX stating it was verified as accurate but they do not have access to account documentation therefore they were unable to provide any copies of documentation with my signature or how this information was verified to be able to report it on my consumer file. I requested information about who they spoke with at XXXX XXXX to verify the debt and they were unable to provide such information. According to the F.C.R.A Sections 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) it states that XXXX XXXX signs has to provide copies of signed documentation and XXXX XXXX stated that they don't even have access. According to Section 611 ( a ) ( 1 ) ( A ) Method of Verification wasn't provided except for the fact that it was accurate and complete as of the date it was furnished to their database. XXXX XXXX didn't properly investigate this information so why are they reporting this information on my file. Lastly, XXXX XXXX didn't respond to my dispute regarding XXXX XXXX XXXX at all. This letter was included with the other two dispute letter sent by Certified Mail as XXXX XXXX did say they received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I am a victim of identity theft and want to remove the following charges XXXX Convergent outsourcing account number is XXXX XXXX Convergent outsourcing account number is XXXX XXXX Convergent outsourcing account number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Convergent Account # XXXX, has violated my rights. 15USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A