Debt collection -- Attempts to collect debt not owed -- Complaint #6316497
Complaint Overview
Complaint ID: 6316497
Company: Convergent Resources, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Pennsylvania
ZIP Code: 19139
Date Received: 2022-12-13T12:00:00-05:00
Date Sent to Company: 2022-12-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CONVERGENT OUTSOURCING is falsely reporting on my credit with a Balance of XXXX and Account number XXXX. CONVERGENT OUTSOURCING is a debt collector. They committed identity theft on me. This account is falsely reporting and violating my rights and the fair credit reporting act. Pursuing to 15 U.S. Code 1681d- Disclosure of Investigative Consumer Violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in writing and mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested. Pursuing to 15 U.S.C 1681 section 602 A. States I have the right to privacy. I request to be provided proof of this alleged debt, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results on this alleged debt should be deleted from my credit report as soon as possible. Under federal law, you have XXXX days for a reinvestigation. I will also be seeking monetary relief per violation for : XXXX. Defamation of character XXXX. Negligent Enablement of Identity Fraud XXXX. Violations of 15 U.S.C 1692g. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX 1995 ), you may be liable for your XXXX non-compliance. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ), this action might constitute fraud under both federal and state laws.
Frequently Asked Questions
What is Complaint #6316497 about?
Complaint #6316497 was filed against Convergent Resources, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-12-13T12:00:00-05:00.
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.