Consumer complaint received 2023-03-02
Company: Convergent Resources, Inc.
State: TX
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:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again and the account continues to reflect on my credit report as of XX/XX/XXXX. The creditor corresponded to my dispute with a bill from the original creditor and did not validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out XXXXThere have been no proper verification or validation on this account account as it is still reflecting on my report. 

The unverified item listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed a contract for this account. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing dated XX/XX/XXXX, received in the mail by me XX/XX/XXXX, that you " verified '' that this item is being " reported correctly. '' Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. 

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit and has. Caused me emotional distress. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 

Convergent Outsourcing INC XXXX XXXX XXXX XXXXXXXX Please strike and remove this account from 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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