Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6437478
Complaint Overview
Complaint ID: 6437478
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: Account information incorrect
State: Virginia
ZIP Code: 23831
Date Received: 2023-01-15T12:00:00-05:00
Date Sent to Company: 2023-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I received a letter from Convergent Outsourcing , Inc. on XXXX XX/XX/XXXX stating that I owed XXXX XXXX {$170.00} I wrote Convergent Outsourcing , Inc. a debt validation letter and mailed it to them certified mail with return receipt ( certified number XXXX ) on XXXX XX/XX/XXXX. To this date ( XXXX XX/XX/XXXX ) I have not received the return receipt, nor any correspondence from Convergent validating the debt. The letter Convergent mailed stated that if I write to them by XX/XX/XXXX, they must stop all collection until they show information that shows I owe the debt. I believe Convergent has deliberately not responded to my validation request so they can apply this unvalidated account to all my credit reports, which they have done because XXXX days ago I was notified that the account now appears on all three credit reports. I contacted XXXX XXXX on XXXX XX/XX/XXXX, and, per a legally recorded phone call with a XXXX representative, verified the account number I had with XXXX is NOT the same number Convergent is claiming is mine, and I do not owe them any money. If anyone needs to hear the phone call recording, please contact me and I will be happy to play it, or if there's a way to upload it, please show me how and I will gladly do it. I would like this unvalidated, incorrect, derogatory immediately removed from all three of my credit reports.
Frequently Asked Questions
What is Complaint #6437478 about?
Complaint #6437478 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 2023-01-15T12:00:00-05:00.
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.