Product: Debt collection

In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. On or about XX/XX/XXXX, Convergent Outsourcing ( hereinafter CO ) began furnishing negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit B & C ) 2. As part of COs debt collection activities, CO furnishes information to consumer reporting agencies. As such, CO is a person or entity subject to regulation and liability under Section 623 of the Fair Credit Reporting Act ( FCRA ), which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. 3. Section 623 ( a ) ( 7 ) of the FCRA requires that persons or entities such as CO send to this consumer an initial disclosure informing this consumer that CO may report information about this consumer to one or more consumer reporting agencies. Additionally, Section 623 ( a ) ( 7 ) of the FCRA requires that this disclosure be provided to this consumer in writing, prior to, or no later than thirty days after CO furnishes the negative information about this consumer to a consumer reporting agency. 4. In connection with the furnishing of negative information about this consumer to one or more consumer reporting agencies, CO failed to disclose/notify this consumer in writing that it had furnished negative information to one or more consumer reporting agencies, a practice commonly referred to as debt parking. 5. Notice of the debt and that CO is reporting it is of particular importance to this consumer, the deprivation of which has caused this consumers character, reputation, and/or credit to be unjustly damaged. 6. The acts and practices of CO alleged within this complaint caused this consumer to send CO an initial communication on XX/XX/XXXX via certified mail, return receipt requested. ( See attached Exhibits D & F ) 7. Notwithstanding the five ( 5 ) day Notice requirement imposed upon debt collectors such as CO, in an effort to show good faith, this consumer extended CO with a period of thirty ( 30 ) days to respond to this consumers initial communication. ( See attached Exhibit A ) 8. Upon information and belief, this consumers initial communication was accepted and received by CO on or about XX/XX/XXXX. ( See attached Exhibit F ). 9. Despite this consumers efforts to extend CO with a reasonable amount of time to respond to this consumers initial communication with substantively admissible facts, it appears that CO has refused and/or failed to respond to this consumers initial communication. 10. As of the date of this complaint, CO continues to willfully and maliciously furnish negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit B & C ) In addition to the foregoing, this consumer does not have in her possession a bonafide record of any transactions executed between CO and this consumer under the alleged account # ( # XXXX ) reflected on this consumers report. Therefore, it is reasonable for this consumer to believe that CO has falsely represented to one or more consumer reporting agencies that CO holds an account belonging to this consumer. Furthermore, in the absence of such a record, it is also reasonable for this consumer to believe that CO has used this consumers identifying information without authority to manufacture into existence the alleged account ( # XXXX ).