Consumer complaint received 2020-06-08
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found out in XX/XX/XXXX that there were two XXXX accounts under my name. One was my prepaid account that I had previously to getting married and the other was an account that was opened inXXXX XXXX under my name but not opened by me. In XX/XX/XXXX my prepaid XXXX account was cancelled and my wife added me on to her XXXX XXXX XXXX phone service as a authorized user and added a new line of service with the number I still currently have with XXXX XXXX XXXX and this is all documented with XXXX XXXX XXXX. After calling to confirm the the information with XXXX XXXX XXXX they sent a text message with the date of service my number was added because email was not a option of her request. I did not open a account with XXXX in XX/XX/XXXX, Im not sure if this account was in error with another person with my name or if it was created fraudulently but importantly it was not created or authorized by me. In XX/XX/XXXX my wife was looking at a copy of my credit reports because of a hospital billing error to Insurance company she was taking care of and noticed There was a collections with Convergent Outsourcing for XXXX, knowing I had them as a phone carrier prior to getting added onto her service in XXXX she made the payment thinking it was form the past, after getting an updated credit report in XX/XX/XXXX she noticed the negative collections account was still reported on my but now with the open date of XX/XX/XXXX. My wife called Convergent Outsourcing to find out information and the representatives were very unprofessional, severe language barriers and not willing to help at all, so she decided to reach out to XXXX and see if she was able to get information. It was at that time we found out this account was not the prepaid account we thought I had closed in XX/XX/XXXX but it was the account that was opened without my consent or authorization in XX/XX/XXXX. My wife and I both have made several attempts to try and have this removed off my credit reports with both XXXX who keeps referring us back to Convergent Outsourcing. Convergent Outsourcing started they cant remove it because it was paid even tho we explained what happened and the new information we found out we were still meet with unprofessional representatives, communication barriers, being accused as lying and just uncooperative, we even called XXXX 3 way with the Convergent Outsourcing rep on the phone in hopes we could prove it wasnt his account was was not about to get far and told the Convergent Outsourcing rep they had to handle the problem. After calling almost a week straight and spending most of the day on the phone with Convergent Outsourcing wife even went as far as saying she just doesnt want to make this difficult or stressful and wasnt even asking for the money back and we will take the loss on the {$200.00} she only wanted it removed off my credit bureau history, they still wouldnt remove it, look into it or file a fraud dispute. I also filed a dispute with all three credit bureaus with no help on that end either. Im hoping reporting the matter with you it will finally be removed and resolved. I would also just like to add in the document Ill be sending with this dispute is the text that was sent for XXXX XXXX XXXX but you will also notice my wifes account was closed on XX/XX/XXXX that was due to porting out our numbers to a new XXXX XXXX XXXX account under my name. Also if the text is not except it as a document I can try and see what I can get in store printed out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation