Debt collection -- Attempts to collect debt not owed -- Complaint #5683669
Complaint Overview
Complaint ID: 5683669
Company: Convergent Resources, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77502
Date Received: 2022-06-17T12:00:00-05:00
Date Sent to Company: 2022-06-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A company called Convergent Outsourcing popped up and appeared on my XXXX credit profile and posted a debt XX/XX/XXXX. They never previously sent me any mail as an attempt to collect a debt. I never had any contract with them. They state on my XXXX report that XXXX is the Original Creditor which automatically makes Convergent Outsourcing a 3rd party Debt Collector. I owe no debit to them. There is no contract. I sent them and Affidavit OF Truth on XXXX XXXX XXXX and got it notorized at a local XXXX XXXX Bank by a Banker. Convergent sent me a copy of a bill statement, no contract and or rebuttal to my Affidavit. I am providing the Affidavit in the attachment i sent to Convergent, before XXXX XXXX notorized it because i forgot to make a copy after i got it done. My Affidavit stands as truth in a court of law. This is an illegal practice. This company violated my right to privacy according to the Privacy Act Of 1974. This company is hurting my ability to get loans, a car and credit cards at fair low interest rates which is oppressing to me and highly stressful. Them remaining on my Consumer Report is constant harassment. 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt
Frequently Asked Questions
What is Complaint #5683669 about?
Complaint #5683669 was filed against Convergent Resources, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-06-17T12:00:00-05:00.
How did Convergent Resources, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Convergent Resources, INC.?
Yes, visit the Convergent Resources, INC. company profile at readthecomplaint.com/company/convergent-resources-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.