Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6644671
Complaint Overview
Complaint ID: 6644671
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 status incorrect
State: Florida
ZIP Code: 33603
Date Received: 2023-03-03T12:00:00-05:00
Date Sent to Company: 2023-03-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX is reporting a debt on my credit report although notices were sent stating that the debt should not be in collections yet. I was sent four separate debt notices by the company XXXX XXXX and their affiliates. The first notice received was on XX/XX/XXXX from a company called XXXX XXXX. A debt validation letter was sent to XXXX XXXX on XX/XX/XXXX, but no response was received from XXXX XXXX. The second & third notices were received on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX sent both of these notices. The notices stating that a debt was due by XX/XX/XXXX, but mentioned nothing about a debt collection being reported on my credit. The debt notice was answered on XX/XX/XXXX. A debt validation letter was sent to the company but no response was received from the company. The forth notice was received on XX/XX/XXXX from a company named Convergent outsourcing, Inc. Once again this letter showed a debt balance but explicitly states that this debt will not be reported if written notice is sent to XXXX XXXX XX/XX/XXXX. A debt validation letter was also sent to Convergent on XX/XX/XXXX. I currently have a debt collection on my credit showing that the company XXXX XXXX closed an account that they say I owe. The closing date is XX/XX/XXXX. How is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the debt can still be paid until XXXX XXXX XXXX? Also how is XXXX allowed to tarnish my credit report by submitting a debt as closed and late even though a notice was sent stating that the information will not be reported on my credit unless I do not respond to them by XX/XX/XXXX? The notices were answered by the consumer on time and the debts were addressed/ attempted to be resolved. XXXX XXXX still decided to report negative information on my credit even though contact was made to try to resolve the issue.
Frequently Asked Questions
What is Complaint #6644671 about?
Complaint #6644671 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 2023-03-03T12:00:00-05:00.
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 (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.