Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5814486
Complaint Overview
Complaint ID: 5814486
Company: Convergent Resources, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Arizona
ZIP Code: 85142
Date Received: 2022-07-26T12:00:00-05:00
Date Sent to Company: 2022-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I've reached out to Convergent Outsourcing Inc. about Acct # XXXX and how they were violating my rights i asked Convergent Outsourcing Inc. to provide me with an SSA-3288 to show that i gave them consent to report anything to my credit even if they process is online Convergent Outsourcing Inc. have to have consent from every customer that's SS # 's involved. I let them know that I have a right to privacy and that have to respect my privacy. 15 US Code 1681 ( a ) ( 2 ) ( Exclusions ), things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making the report. Consumer- is an individual ( Me ). Person-Any individual partnership, corporation, trust estate , cooperative association , government, or governmental subdivision or agency, or other entity. Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer or of a credit card or similar device. I tried to explain to this company that they were violating my rights I guess a lot of companies think there above the law and don't have to follow it. It becomes extremely difficult to exercise your rights when companies think they can do whatever they want and get away with it and we the consumer have to deal with it and that's not right because as a consumer my voice should be heard, and these types of companies need to be held accountable. 15 US Code 1681b Permissible purpose of consumer reports. ( a ) 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 written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. 15 US Code 1681a ( 2 ) speaks on a consumer right to privacy. I guess these companies don't follow law. This account that's being reported illegally has caused my family hardship and homelessness. This situation lines up with 15 US Code 1681 ( n ) Civil liability of willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) 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've tried to fix the problem with the company and i get no where
Frequently Asked Questions
What is Complaint #5814486 about?
Complaint #5814486 was filed against Convergent Resources, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-07-26T12:00:00-05:00.
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 (Credit reporting, credit repair services, or other personal consumer reports) 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.