Consumer complaint received 2023-07-08
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir/Madam, I am writing to bring to your attention a serious matter concerning a fraudulent account that has been reported by your agency, which I believe is a result of identity theft. I have recently discovered this account on my credit report, and I have taken immediate action to rectify the situation. Enclosed with this letter, you will find a copy of the police report I filed regarding the identity theft incident. 

Account Details : Account Number : [ XXXX ] Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1200.00} No. of Months ( terms ) : - High Credit : {$1200.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX I want to emphasize that I have never had any association with the mentioned account, nor have I authorized anyone to use my personal information in this manner. This account is a clear case of identity theft, and I request your immediate assistance in resolving this matter. 

I kindly request that Convergent Outsourcing undertake the following actions : Conduct a Thorough Investigation : I urge your agency to conduct a detailed investigation into the origin and validity of this account. It is crucial to establish that this account is a result of identity theft and that I am not responsible for any associated debts. 

Cease All XXXX Activities : Given the circumstances, I request that all collection efforts on this account be immediately suspended until the investigation is complete. Any further attempts to collect on this fraudulent debt will be considered a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Remove the Account from my Credit Report : Once the investigation confirms that this account is fraudulent, I expect Convergent Outsourcing to promptly notify the credit reporting bureaus and request the removal of this account from my credit report. The negative impact on my credit score resulting from this fraudulent account must be rectified. 

Provide Written Confirmation : Upon completion of the investigation and removal of the account from my credit report, I request written confirmation from Convergent Outsourcing that the matter has been fully resolved and that I am no longer held responsible for any debts associated with the fraudulent account. 

I have taken all necessary steps to protect myself from further harm, including filing a police report and notifying the credit reporting bureaus. I expect Convergent Outsourcing to cooperate fully in this matter and take appropriate action to rectify the situation promptly. 

Sincerely,

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