Consumer complaint received 2021-12-26
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, CONVERGENT OUTSOURCING INC., HAS MAILED CORRESPONDENCE IN THE MAIL STATING I OWE THEM AN ALLEGED DEBT. I HAVE NO AGREEMENT OR NEVER SIGNED AN AGREEMENT WITH CONVERGENT OUTSOURCING INC. THEY PURCHASED A DEBT FROM ANOTHER COMPANY WITHOUT ME BEING INVOLVED IN THE TRANSACTION. I am a natural person as defined by 15 U.S.C. 3002 ( XXXX ). PURSUANT TO 15 USC Code 1692e False or misleading representations.15 USC 1692 states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. XXXX ) The false representation of- ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. I, XXXX XXXX XXXX give authorization for Convergent Outsourcing , Inc to move forward with this complaint.

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