Consumer complaint received 2020-09-19
Company: Convergent Resources, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, XXXX  has constantly let Convergent Outsourcing report account number XXXX an invalid debt in the amount of {$130.00} to my credit file. 

Dispute letters were received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This I know from my certified mail with signature. 

The latest response I received from XXXX was on XX/XX/XXXX and this response from XXXX  stated that account number XXXX with a balance of {$700.00} was in fact valid. 

This invalid debt was reporting to all three of my credit files including, XXXX, XXXX and XXXX. 

As of current day, this invalid debt is reporting to my XXXX   credit file. 

This Invalid debt has been deleted from my XXXX and XXXX   credit file but still somehow maintains to report to my XXXX   credit file. 

I have reached out to Convergent Outsourcing as well as XXXX to provide me with their method of verification about this invalid debt of {$130.00} and have been met with non compliance several over the past 24 months. 


Every time a dispute letter was sent, XXXX and Convergent Outsourcing has constantly sent me a response stating that the debt was valid and both companies has never mailed me their METHOD OF VERIFYING the debt as required by the Fair Credit Reporting Act. 

XXXX and Convergent Outsourcing has continously and willfully violated my rights as a consumer by not following the FCRA guidelines by not providing me with their method of verification. 

XXXX and Convergent Outsourcing has not responded within the required 15 day deadline of them providing me a legal METHOD OF VERIFICATION. 

Both companies have only responded back to me by mail stating that this invalid debt is in fact valid. 

Every time i have disputed this invalid debt of {$130.00}, Convergent Outsourcing has mailed me back a copy of a bill that they claim is mines and stating the debt is valid. 

As for FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification Both XXXX and Convergent Outsourcing have acted in bad faith by not responding to me letting me know their method of verification. This is what Convergent Outsourcing has been mailing me back over the course of 24 months. 

I have previously reached out to XXXX  and Convergent Outsourcing several times providing both companies with all the required documentation concerning this invalid debt. 

In return BOTH companies have violated my rights as a consumer. 

I have have mailed Convergent Outsourcing and XXXX   several times over the 24 months asking for theIr METHOD OF VERIFICATION and for all 24 months, and have been denied my request for how they are verifying this invalid debt. 

The documents that i have provided with this complaint is proof that i have been met with NON COMPLIANCE several times over the past 24 months from both XXXX and Convergent Outsourcing using these illegal tactics to benefit both companies financially. 

XXXX has stood by over 24 months and provided a way to let Convergent Outsourcing report this debt without investigating if Convergent Outsourcing actually had a method of verifying the debt. 

As noted, this debt is currently deleted from my XXXX and XXXX credit files, but Convergent Outsourcing has refused to delete this invalid debt from my XXXX Credit file.

Also as stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we  know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well. 

This is the Information that the credit bureaus are supposed to store in their database on every consumer. 

As well as 609 ( c ) ( E ) I am asking the Consumer Financial Protection Bureau to investigate the non compliance by XXXX   and all Convergent Outsourcing who are reporting this invalid debt of {$130.00} to my XXXX credit file and not providing the required method of verification per my right as a consumer as said in the Fair Credit Reporting Act.

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