Consumer complaint received 2017-04-21
Company: Convergent Resources, Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
To summarize according to Federal Procedures this collector : Did not provide notice of debt prior to placing alleged collection on Spellers credit record. The result  is Negligence as it relates to Collection practices. Federal Debt Collection Practices Act - ( FDCPA ) Did re- add prior deleted collection .   Did not allow  XXXX  to request verification of debt in line with federal guidelines of the Federal Debt Collection Practices Act - ( FDCPA ) Did cause emotional distress due to illegal method of addition to credit report and planned timing of delivery of adverse activity on credit report.   Collector trolled and pulled reports without cause in  XXXX  and  XXXX . Trolling for activity on credit is a violation of federal regulations. They appear on the report as I requested them to pull a report. ( Exhibit A attached  )   XXXX  has automatic alerts via  XXXX  and monitors his credit activity daily. A detailed explanation is demanded for discovery purposes of litigation fully explaining legitimate reasons for pulling credit multiple times without cause and/or action on collector 's part. ( collector did not add any items when they pulled reports  ) Th is trolling credit reports is not a legitimate business practices and must be dealt with by  Consumer Protection Bureau.    Collector only placed this on credit   XXXX   XXXX   after seeing no items negative items remaining in his report.   ( All negative items had been cleared ) The placement of this illegally placed collection and troll search actively was then strategically timed to create anxiety and fear in the consumer to force them to quickly resolve this item. This practice of trolling and placement must be investigated and they should be prosecuted to the full extent of the law.
Did propagate defamation and libel if any of above is indeed proved to be accurate.     These items alone  may  not be significant but combined are highly questionable and heighten the emotional distress caused to  XXXX . He has never signed any agreement, contract or letter with CONVERGENT ( collector ) to allow them to pull credit yet they presented themselves to the credit bureau in a manner that was false that suggested to the credit bureau  XXXX  allowed them to view credit. ( Exhibit A ) Additionally,  XXXX  was not presented any documents to support their claim of the alleged original debtor prior to their illegal addition of a collection on his report.   In conclusion, the Collector did not comply  XXXX  percent with  Federal Guidelines of Debt Collection. The collector did not send proper notice to Speller. The collector did not allow for d ue proces s ( v erification of debt ) this negative item must be deleted as  XXXX  had been damaged. Convergent will be deemed unable to ever attach any documents to  XXXX  without first proceeding in the appropriate manner and is here by instructed to cease and desist any reporting of this alleged debt. This matter will be advanced in the legal venue against the original debtor, Convergent and all entities that continue to propagate this item as legitimate without adherence to federal guidelines if the item is not removed forthwith.

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