Consumer complaint received 2018-03-13
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never notified of the debt, until I took the initiative to understand my credit file I was then made aware of this company that I initially sent a validation of debt letter that I wrote up from the contents of the FDCPA ; and then reported the error to all three credit bureaus which took off the negative mark made from the debt from the original creditor who sold my account to a collection company, in which my account was XXXX when I cancelled my contract on that account in XX/XX/XXXX, but was charged for equipment I already turned in and the original creditor validated. I sent proper documentation in which I acquired from the original creditor that validated my position to which I did not owe any remaining balance, but somehow they still sold the debt to a third party collection agency ; but I digress. This lead to the credit bureaus to delete the inaccurate and misleading information. 

But in XX/XX/XXXX-XX/XX/XXXX two different collection companies are attempting to collect the same exact debt that I got deleted for the above noted reasons. However, XXXX  XXXX, and XXXX  are failing to respond to me to validate this debt I requested more information I dont know maybe the have gotten new information to validate this debt ; XXXX has never responded, XXXX XXXX responded 56 days after I sent out a priority mailed letter with invalid parroted information, in which my initial letter I sent I requested any and all information that they got from the original creditor who sold them this debt. In which it was just an account number an old address and my ssn, which I know anybody can acquire nowadays. I sent another letter to the credit bureaus stating that I need all of the information in order to prove that this debt is validated. I got a response 47 days after my initial correspondence from XXXX, XXXX   and XXXX were prompt response with them all to say the information has been validated with no added or supported information to say it was so, I see theyre from the school of thought that whatever I say goes with no need to validate their actions with ill regard as to how it affects consumers. 

Im trying to wrap my mind around as to how the FTC, and my States attorney general allows these fraudulent tactics to flourish. How are these companies allowed to file inaccuracies continuously and these frivolous attempts to collect bogus debts with parroted invalidated information from scamming collection companies. And not once did they try to attempt to collect the debt before they filed anything on my credit report, maybe I couldve asked them as to what new information they had and they couldve been made aware as to why the previous collection company couldnt collect the debt ; and as to why the first collection company sold these two collection companies these bogus debts that theyre now attempting to collect as I continuously add that they have no supported information to retort my information that I acquired from the original creditor which is XXXX XXXX cable provider. If I had owed this debt I wouldve paid the original creditor in the first place. Ive contacted the administrators of the original creditor and have gotten subordinates to call to resolve this dispute but the credit bureaus have yet to conform or confirm their stance with proper documentation. 

I understand that its proper protocol to file a complaint before litigation, but I have no faith in our justice system but I know facts backed by evidence prevails over time.

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