Consumer complaint received 2017-08-25
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is an additional complaint from closed CFPB complaint # XXXX. 

First, I would like to start this complaint in writing by saying " I have never paid any money to XXXX EVER. I never even knew XXXX existed until they showed up on my credit report without my prior knowledge of a debt owed to Covergent untilXX/XX/XXXX of XX/XX/XXXX for the first time by way of credit reporting on my credit files. 

The date the debt was assigned to their office ( which they claim wasXX/XX/XXXXXX/XX/XXXX of XX/XX/XXXX ) is only relevant to me because they violated my rights by not alerting me at ALL. I only disputed the debt with them after I saw it show up on my report, after I paid my last bill with XXXX as stated on complaint # XXXX. 

As I said before I never knew they existed or that XXXX was reporting me to XXXX despite that fact that when I canceled my mobile service I was still paying my bill with XXXX. Be that as it may, why did XXXX not contact me prior to this being reported to the credit agencies? 

With that said below is my official complaint. 

In XX/XX/XXXX, XXXX reported to my credit profiles ( XXXX, XXXX, and XXXX ) as owing Convergent {$930.00}. UN-announced to me, without prior knowledge that XXXX claimed I owed a debt to them as they claim the debt was transferred/assigned to them in XXXX of XXXX. Prior to, or after XXXX of XXXX, I did not owe XXXX {$930.00} nor was I ever notified by XXXX that their office was responsible for collecting {$930.00}. XXXX has no proof they notified me that their office was responsible for collecting XXXX 's bills that they claim I owed. 

Again, I never received any notice of collection at any point ever in writing or otherwise until after the debt was reported as paid on my credit files. If I were to have received a written notice from XXXX, I would have disputed the validity of the debt owed because I have been making my payments to XXXX as agreed. 

I did n't even know Convergent was the new owner of debt until AFTER it was reported and the debt was already paid. This is a clear violation of my rights under the Fair Debt Collection Practices ACT and the Fair Credit Reporting Act. Convergent never called me at any time in XXXX or XXXX prior to this debt showing up on my credit report or mailed me any debt collection letters or bills. 

As I did every month and agreed with XXXX, I paid XXXX as XXXX confirmed on their response to CFPB complaint XXXX until my bills with XXXX were fully paid. It may appear that this collection agency " parked '' the debt until after the fact. 

Why did Convergent report me to the credit bureaus on a debt Convergent never billed me for? or sent me a letter about. To at the very least afford me my right to dispute the validity or accuracy of the debt? Why did XXXX wait until I finally paid off XXXX for XXXX to then report me to the credit bureau? I hereby request the debt reporting on my credit files be removed immediately as required by federal law. 

I would like to request a full investigation by a Consumer Financial Protection Bureau investigator and including the Federal Trade Commission for potential violations by XXXX and XXXX 's unfair business practices for clear violations of my rights.

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