Date Received: 2022-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am sending this again because you think Someone else is doing this for me. No, Im doing this for me, XXXX XXXX. Except this from ME please. XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, These items must be removed immediately from my credit report CFPB
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The original balance being reported owed is {$1500.00}, yet it's being reported the balance owed is {$1500.00}. Also, a collection account can't have a past due amount. To many clear inaccuracies as this is grounds for deletion and to be in compliance with FCRA guidelines. I've sent two certified letters to the company which to no avail have no address the letter in detailed as it pertains to the alleged debt. Please see the supporting documents that were ignored per XXXX XXXX and/or company at Convergent Outsourcing XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been receiving letters and a voicemail message from XXXX offering a discount on a debt of {$2500.00} that needed to be taken care of. They said they were issuing a 1099C against me. I had no idea what the debt was for so I went to the website and found that it was a debt that my ex-husband incurred several years after our divorce was final XX/XX/XXXX, XXXX XXXX, TX. I found the case online and stated that it was not my debt that I had been divorced since XXXX and requested they cease and desist contacting me for a debt that I did not owe. In less than 2 weeks they called my husband 's phone and requested to speak with XXXX XXXX ( my ex-husband 's name ). They said they were collecting a debt that I owed and he gave me the phone. I informed the woman on the phone that it could not possibly be my debt because it happened several years after my divorce. I only know that because I asked her what year it was from. I informed her that I had a voicemail from her company stating that they would report me to the credit bureau and IRS. She said that her company does not ever threaten to do that ( see attached folder ). I also requested that she send me some proof with my signature on it for the debt they were collecting. I have not received that from them, just papers to fill out for fraud. I can not fill out fraud papers if I do not know what the debt is for or if someone was impersonating me in the mid XXXX. They have refused to listen to me or address my request for proof of a debt that is over 25 years old. Unfortunately I am tied to that man since I was married to him from XXXX to XXXX. After some research I did discover that he died in XX/XX/XXXX. I have had no contact with him since the divorce and do not know what happened in his life since XXXX. I do know that the debt is not mine. I had to pay off his tax debts for the last 2 years of our marriage because he would not file his taxes. I have received no proof that my name or signature was ever on that debt. It is not on my credit report and this company needs to be reported. I am attaching a transcript from the voicemail that stated they had filled out a 1099C tax form. Fraud forms sent to me are from Convergent Outsourcing , Inc showing creditor as XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
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: Request for VALIDATION, NOT Verification To Whom It May Concern : REMOVE THIS ACCOUNT IMMEDIATELY This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated 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 your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Cease and Desist Dear Representative, Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a customer, and the original creditor and I am demanding all of the following : Zero out the balance in this account. Deletion from all consumer reports. Since youre reporting this on my consumer report I demand The following to be answered and written out : Name and address of alleged creditor Name on file of alleged debtor Alleged account number Address on file for alleged debtor Alleged account number Amount of alleged debt Date ( this alleged it became payable ) Debt of the original charge or delinquency. Was this the assigned to a debt collector or purchased? Amount paid if that was purchased Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your clients that grants this company The authority to collect this alleged debt. Signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. Any agreement that bears the signature of debtor, wherein agreed to pay the creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes? No? Have any judgments been obtained by any creditor regarding this account? Yes? No? Please provide the name and address of the bonding agent for this company, in case legal action becomes necessary : Authorize signature of creditor : ______________________ Date : ________________ You must return this completed form along with copies of requested information, assignments or other transferable agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed in return with copies of all requested documents. This is a request for validation may pursuant to the fair debt collection practices act. Please allow 30 days for processing after I receive this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Convergent dated XX/XX/XXXX Indicating that I had an outstanding XXXX XXXX XXXX debt of nearly {$8000.00} going back to XXXX of XXXX. I responded that this is not my debt. I have never dealt with XXXX XXXX, nor with The XXXX XXXX. I then received a letter from Convergent dated XX/XX/XXXX asking me to complete a notarized affidavit outlining all of my personal and private information. This affidavit boldly stated on each page not to notify the FTC or any other government agency. I called them to tell them I would not offer any personal or private information and that I would file a complaint with the FTC. I also indicated that I would consider having the information reviewed by my lawyer. I believe this to be a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have been trying to get this resolved for quite some time and it has now affected my credit. I got this account back on XX/XX/2020 and I got a phone for my daughter because she lived alone. The original phone was stolen at her job. When we went to get a replacement, the store we went to said they didn't have original phone on the account in stock. Needless to say, she decided to upgrade her phone and the store we went to screwed my account up. The guy decided to give her a upgrade by creating a new line and putting it as a camera on my account to get a new phone. The bill started getting out of control and to a point where the payments were very high as a phone bill. My daughter called and was told she could return the phone and it would be closed. When we called XXXX, they informed us that the location we went to was not an original XXXX location under them. We tried to return the phone because that was what she was really having to pay for but we have not gotten anywhere with it. I now have an outstanding balance of {$1800.00} on my credit report. I called XXXX recently and they said it is in collections and the company, Convergent Outsourcing, quoted me a balance of {$2100.00} and offered to settle for {$1400.00} and then said the lowest was {$1300.00}. I have received nothing but the run arounds and I want it off my credit so I can move to a new house. This one thing is holding me up. This is ridiculous for a phone that's not being used. The phone is still in great condition. XXXX said it couldn't be handled by them because the debt was in collections. I was given false information. I need help getting this resolved ASAP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77498
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern The following are listed on my credit report and I have never got a 1. Original Contract. 2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance XXXX XXXX XXXX {$150.00} XXXX XXXX {$810.00} CONVERGENT OUTSOURCI {$620.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX through Convergent Outsourcing are trying collect money from me for an account that I had with XXXX in 2016, I didn't have an account with XXXX in 2016, or any other time, I do not owe XXXX or XXXX, and XXXX has not done nothing to remove it from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never had an account with this company. I have never lived at the service address. This is not my debt. I've explained this in person. I've explained this on the phone. I have explained this in writing I am still being harassed.
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: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX and I only request to remove the inaccuracies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A