Consumer complaint received 2022-04-14
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for committing identity theft. I have never given XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from XXXX. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity ( this includes furnished data through my consumer reports ), of this and any alleged debts until XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I advise XXXX to use proper methods of communication including certified mail. Also if Convergent is the third party debt collection agency, I advise them to stop using deceptive means by falsely representing XXXX on my consumer reports. Please refer to 15 USC 1692e ( 14 ) my credit report will validate this violation and suit will be brought forward. I wasn't made aware that the company furnished the information to my credit report in XXXX of XXXX but initial communication with me didn't begin until XXXX of XXXX. There are multiple violations to 15 USC 1692 ( g ) ( a ) ( 3-5 ). Also if the collection claims that an initial communication was sent prior to XXXX of XXXX, please include the certified mail tracking numbers and return receipt that such mail was indeed sent and delivered. Failure to do so will be represented as mail fraud which is a federal offense. Also according to 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt does not convert to an admission of liability. Please again remove this information from my credit reports to avoid the further pursuit of legal litigations.

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