Debt collection -- Attempts to collect debt not owed -- Complaint #5839858
Complaint Overview
Complaint ID: 5839858
Company: Convergent Resources, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Nevada
ZIP Code: 89156
Date Received: 2022-08-03T12:00:00-05:00
Date Sent to Company: 2022-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I monitor my credit via XXXX XXXX. I found out about an account that was opened in my name XX/XX/XXXX when it appeared on my credit reports as a collection in the amount of {$340.00}. Original creditor was XXXX XXXX, cable/internet/phone provider for the XXXX XXXX valley. I do not have cable. I do not have a landline. I have used a smaller internet company for the past 10 years. I did not open an account with XXXX XXXX. This company refuses to give me any proofs/documentation or anything else proving I did and I have disputed the collection 3 times with the credit bureaus, to no avail. Reaching out to XXXX directly XX/XX/XXXX unable to receive help by phone so I used their chat service and emailed the transcript to myself, which Im including in this complaint. 3 different agents promised to help me in my efforts to remove the fraudulent account but only transferred me around to different departments, ending in sales to upgrade service that I dont have. Wanting a supervisor, XXXX XXXX in sales flashed a XXXX number then promptly removed it then ended the communication abruptly. This is not my debt. I am the victim of fraud and it is wrong to put the burden of proof on the victim. Additionally, I have suffered other recent fraud/theft ( including burglary ). When I went to my local police station they would only file a report on the burglary. I was told to contact the FBI for any and all fraud. This fraudulent account with XXXX XXXX has devestated my credit scores as it is listed as High Impact. Today I was denied a home loan ( my first ) because of it.
Frequently Asked Questions
What is Complaint #5839858 about?
Complaint #5839858 was filed against Convergent Resources, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-08-03T12:00:00-05:00.
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.