Consumer complaint received 2022-09-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a claim and demand for DEBT VALIDATION, and offer to perform upon the preceding conditions : This offer of performance is made in good faith, to settle the attached complaint of alleged debt upon the condition XXXX  XXXX  validates the alleged debt and complies with the following stipulations herein within twenty-one ( 10 ) days of receipt of this claim : 1 ) XXXX XXXX completes, in entirety, the attached Debt Collector Disclosure Statement and returns the same with all supporting documentary and evidentiary proofs to claimant ; and 2 ) XXXX  XXXX, in accord with the Fair Debt Collection Practices Act [ 15 USC 1692 et seq. ], provides verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury ; or provide a copy of a judgment, sworn by wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against claimant ; and 3 ) XXXX  XXXX  produces all relative commercial instruments, including but not limited to applications, assigns, agreements, and/or contracts, which contain exchange of benefit ( s ) or consideration, and/or contain the verified signature of claimant ; and 4 ) XXXX  XXXX  provides, verified copies of all assigns, negotiations, securities and/or transfers of rights, title ( s ) and/or interest ( s ) and the like, sworn by wet-ink signature signed under the penalty of perjury that the foregoing copies are true, correct, and not misleading which unambiguously delineates that XXXX  XXXX  is the current owner, assignee, holder, holder in due course, and/or entitlement holder of the alleged debt including all supporting documentary evidence as proof ; and 5 ) XXXX  XXXX  produces all relative commercial instruments and/or notices, declarations, publications, which clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights, duties, obligations, liabilities, costs, fees, in advance or subsequent to the alleged incurrence of alleged debt, and where there has been full disclosure of all relevant terms and conditions ; and 6 ) XXXX  XXXX  provides proofs by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury, XXXX  XXXX  did not engage in any conduct to harass, oppress, or abuse claimant including but not limited to placing telephone calls without disclosure of the caller 's identity, the use obscene or profane language, causing a telephone to ring with the intent to annoy, abuse or harass claimant and/or use or threat violence, or other means to harm the reputation, or property of claimant ; therefore NOTICE TO CEASE AND DESIST Notice is hereby given to RESPONDEAT INFERIOR to CEASE AND DESIST from any further collection activities prior to validation of purported debt in regards to Alleged Account : 6700, pursuant, but not limited, to the truth in lending laws of the United States Code, Title 15, Sec. 1601 et. seq., the Fair Debt Collections Practices Act laws of the United States Code, Sec. 1692 et. seq. and the conditions stipulated in this presentment. 

XXXX XXXX may only contact claimant by mail only. XXXX XXXX is hereby prohibited from contacting claimant by telephone, in person, at home, or location/place of employment. XXXX XXXX is further prohibited from contacting any third party. Each and every attempted contact, in violation of the Fair Debt Collection Practices Act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$5000.00} for each and every violation, and a further liability for legal fees to be paid to any council which I may retain. Further, absent such validation of your claim, XXXX XXXX is prohibited from filing any notice of lien and/or levy or judgment and is also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. 

CRIMINAL INVESTIGATION Please take notice that this is a criminal investigation of the business practices of the above named XXXX  XXXX, organization or other governmental unit, its agents, officers, employees, and attorneys to determine violations of the United States criminal laws. XXXX XXXX XXXX  enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18, See, 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 Sec. 1961 et. Seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names. 

Failure to " Cease and Desist '' shall be evidence XXXX XXXX intends to be guilty of the aforementioned crimes and more. XXXX XXXX XXXX failure to meet all of the stipulations required herein is XXXX XXXX XXXX  full agreement through tacit acquiescence there can be no case, collection, or action. " No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract ''. See Eads v. Marks, P. 2d 257 260.

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