Consumer complaint received 2017-06-20
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PREVIOUS CASE NUMBER WITH CFPB :XXXX CREDITOR HAD ALREADY AGREED TO REMOVE DEBT AND NOT COLLECT AND NOW THEY ARE TRYING AGAIN AND BREAKING THEIR AGREEMENT Company 's response Thank you for contacting us and allowing us the opportunity to address your concerns. We strive to conduct our business in accordance with all applicable laws without ever compromising our guiding principles of integrity, service, dedication, respect, and accountability. We appreciate the feedback you have provided and the opportunity in allowing us to address your concerns. Upon receipt of your concerns, we immediately commenced an internal investigation and to review the events that facilitated your concerns. During the course of our investigation, we have discovered that the policies and procedures we have in place to protect consumers were followed accordingly. The primarily purpose of these policies and procedures are to protect our consumers as we make every conscious effort to abide by all applicable laws to our business. Furthermore, I would like to provide you with the following facts regarding your concerns : '' An unknown collection was just recently filed to my credit report. I have no clue who the collection agency is, who they claim the original creditor is, or what the debt is for. '' o Our records reflect our representative spoke with you on XX/XX/XXXX regarding the outstanding balance with our client, XXXX XXXX, for unreturned equipment. A collection notice was sent to the address we have on file the following day. Included with our response, we have provided a copy of the letter for your records. The document is password protected with the last 4 digits of the social security number on file. " They purchase the inquiry information from the credit bureaus, and then they look in every database available to see if they can find something to file against your credit. '' o We do not purchase credit inquiries from credit reporting agencies. XXXX XXXX placed your account in our office for collection efforts as of XX/XX/XXXX. Per our contractual agreement with our client, we report collection accounts to XXXX. " I filed bankruptcy several years ago and have not owed any outstanding debt since being discharged back in XX/XX/XXXX. '' o The services you had with XXXX XXXX were disconnected on XX/XX/XXXX, therefore this balance did not show as outstanding and owed to XXXX in XX/XX/XXXX. " XXXX is the only credit bureau that is reporting the information. It appears that XXXX & XXXX did n't report the account due to lack of validation. '' o We only report collection accounts to XXXX therefore this account will not appear on your XXXX or XXXX credit reports. Upon notification of your concerns, we requested XXXX XXXX to provide documents supporting the validity of the debt. A copy of this documents have been provided with our response. The document is password protected with the last 4 digits of the social security number on file. Although generally we would not honor a request to remove a legitimate account from a consumer 's credit report, after review of your account and disputes filed with XXXX XXXX directly prior to placing the account in our office, we believe your case is unique and warrants an exception to our normal business practices. Please be advised the aforementioned account has been removed from your credit report as of XX/XX/XXXX. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and have met your desired resolution. If you have additional questions or need further clarification, feel free to contact me by email at XXXXXXXXXXXX or by phone at XXXX ext. XXXX. Sincerely, XXXX XXXX Director of Compliance XXXX XXXX , XXXX . This communication is from a debt collector. Desired resolution has been met. Collection efforts have ceased. Account has been closed and returned to creditor. ATTACHMENTS XXXX XXXX Privacy Act Statement OMB # XXXX Have a question? XXXX? ( XXXX ) XXXX An official website of the United States Government

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