Consumer complaint received 2023-04-11
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madame : I am writing this complaint in regards to an alleged {$1300.00} debt that Convergent Outsourcing , IncXXXX is reporting to the credit bureaus. According to the information reported to the Credit Bureaus, the date of first delinquency was XXXX, XXXX. The Statute of Limitations on this alleged debt, even should it be mine, is 5 years in the state of Missouri. Since the debt is out of the statute of limitations, and they are reporting this on my credit report, they are conducting collection activities on zombie debt. Not only is this zombie debt, the documents I have attched show the account has been re-aged and the status misrepresented to the credit bureaus in order to continue collection attempts via reporting the information. This is being reported as an " Open '' account when in fact it has been closed for many years, according to the original creditor, and the company gone out of business. The computer generated print out of the alleged debt that this collection company has sent to me did not meet the legal standard of validation as requested ; However, their own document shows the 1st date of delinquency as XXXX, XXXX, yet they as reporting the account as opened as of XXXX, XXXX, as evidenced by the printed screent shot of the account. Additionally, they are reporting it as an alleged {$1300.00} debt, when I have evidence of a statement from a previous collection company showing an alleged debt for a different amount, which brings intoi question the entire history of the alleged account as inaccurate. I have atteched this document for your reference. This is why I requested the account history from both the Original Creditor, XXXX, and this collection company, Converegent Outsouring , IncXXXX which neither has provided as requried pursuant to a request for investigtation into the accuracy of the records via the FCRA Section 623. Reporting the alleged account as being opened XX/XX/XXXX, is impossible evidenced by the date of 1st delinquency reported by their own firm. This is merely and attempt to re-age the account by this collection company, which I am sure you are aware is a violation of the FCRA. I'm sure you are aware of the provisions in the FDCPA. However, I would liiketo point out that this company has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute can be found in 15 USC 1692e subsection 2 The false representation of - ( A ) the legal status of the alleged debt AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. This alleged account is zombie debt which has been re-aged to misrepresent the staus. I am also certain this company does not have, and has in fact failed to provide on serval occations as requested, adequate documentation to prove in court they have a right to report this negative information on my credit report, and therefore are in violation of the FCRA as well as the FDCPA.

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