Consumer complaint received 2018-12-19
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was disputed in XX/XX/2016 after contacting the collection agency and requesting validation of said debt and also disputing the debt with the credit bureaus that had it listed ... the company was not able to validate the debt whatsoever ... .The replied by sending me a copy of a bill which per the Fair credit reporting act does not constitute validation ... Furthermore I also requested a copy of their license and Bond showing their authority to collect debts in Illinois..Which was never provided ... I also send them a letter of " Implied Contract refusal '' after thorough investigation the company subsequently deleted this account from my credit file ... .Now almost a year later they have re-reported the exact same debt without any proper notification of any kind as required by the Fair Debt Collection Practices act .... These unscrupulous tactics are causing me serious financial hardship ... mental anguish and not to mention a defamation of my character ... ..This is the exact language that was sent to them by me ... ... '' Ref # : XXXX Attention : Collection Manager / Legal Department This letter is being sent to you in response to a reporting to the credit bureaus ( XXXX XXXX , XXXX & XXXX ) . Be advised that this is notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; and provide a copy of the original contract bearing my signature ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ( Illinois ) and a current bond on your company ; Provide me with your license numbers and Registered Agent ; At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose.

Please Take Note And Govern Yourself Accordingly. 


XXXX XXXX As seen in the body of the paragraph I asked for very specific documents in which I am legally entitled to ask for per the Fair Credit Reporting Act and The Fair Debt Collection Practices Act, which was never provided.. I also returned the " Bill '' that they sent me as Verification, which I asked for Validation! ... and sent along with the return this legal language " Your papers attached hereto are refused, denied and returned for fraud. All parties must agree to a debt claim to be enforceable and legal. I never agreed to contract with your company. 

Additionally, what you sent me was not a VALIDATION of debt,, what you sent was a bill which is not a VALIDATION or a verification of debt. Furthermore, evidence of debt alone does not make you a person entitled to collect. If your presumption is youve obtained tactic or implied consent, you have now been put on notice that any subrogation has now been rebutted and any presumption of consent is hereby VOID! for fraud. 

Further, the Fair Debt Collection Practices Act DOES NOT give you the authority to force me to consent to contract with you. Show me your lawful authority to enforce an alleged debt claim against me to my detriment without my consent. 

You are also in violation of the Fair Debt Collection Practices Act by the use of misleading representations and unfair and deceptive practices in the attempted collection of a debt. 

If you can not substantively answer within 15 days and either prove your authority or prove specific contractual obligation between you and I, then cease and desist immediately all your methods of collection and remove any derogatory reporting to the credit bureaus. 

Further, as an act of good faith, provide me with written confirmation this matter has been resolved and any negative reporting to the credit bureaus has ceased. 

Should you ignore this letter and continue your collection efforts and reporting to Credit Bureaus, I will have no other choice but to have my local Congressman forward your fraudulent papers to the Federal Trade Commission, Attorney General and the Postal Inspection Service for further scrutiny. 

Please know that as of receipt of this notification, it is now time stamped by certified mail. 

I look forward to an uneventful resolution of this matter. 

Please Take Note And Govern Yourself Accordingly. 


XXXX XXXX '' ... .. 

This situation is now becoming to say the least annoying and an Illegal attempt and collecting on a debt THAT DOES NOT BELONG TO ME! and definite bordering on harassment ... Thank you.. 
Sincerely XXXX XXXX

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