Consumer complaint received 2022-03-03
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Request for VALIDATION, NOT Verification To Whom It May Concern : REMOVE THIS ACCOUNT IMMEDIATELY This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a 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 : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 } 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide 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 listing any information with 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 accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Cease and Desist Dear Representative, Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a customer, and the original creditor and I am demanding all of the following : Zero out the balance in this account. Deletion from all consumer reports. Since youre reporting this on my consumer report I demand The following to be answered and written out : Name and address of alleged creditor Name on file of alleged debtor Alleged account number Address on file for alleged debtor Alleged account number Amount of alleged debt Date ( this alleged it became payable ) Debt of the original charge or delinquency. Was this the assigned to a debt collector or purchased? Amount paid if that was purchased Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your clients that grants this company The authority to collect this alleged debt. Signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. Any agreement that bears the signature of debtor, wherein agreed to pay the creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes? No? Have any judgments been obtained by any creditor regarding this account? Yes? No? Please provide the name and address of the bonding agent for this company, in case legal action becomes necessary : Authorize signature of creditor : ______________________ Date : ________________ You must return this completed form along with copies of requested information, assignments or other transferable agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed in return with copies of all requested documents. This is a request for validation may pursuant to the fair debt collection practices act. Please allow 30 days for processing after I receive this information.

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