Consumer complaint received 2022-09-26
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sir or XXXX : I am writing this complaint to you today regarding the practices of this company, and the response I received from this collections company, concerning an alleged debt. I sent a validation request to Convergent Outsourcing XXXX IncXXXX dated XXXX XXXX, 2022, in response to a negative entry on my credit reports listed by this collection company. The alleged amount owed stated was {$1300.00}, and the alleged creditor listed was XXXX. I sent this debt validation request certified electronic return receipt signature required via usps on XXXX XXXX, 2022. Records show the collection company received the validation request XXXX XXXX, 2022. The company responded in a timley manner as per the Fair Debt Collection Practices Act. I recieved a response dated XXXX XXXX, 2022. The issue and basis on this complaint is that the response was not appropriate, nor did it meet the requirements of the Fair Debt Collection Practices Act standards for verification or debt validation. The reponse to my request included a XXXX XXXX to be completed by the original creditor, or completed on the original creditor 's behalf, and returned to me as requested. My dispute and validation request for verification also contained a Request for Production of Documents pursuant to the full records of the account from both the collection company and the original creditor. All requests for information including the Verification or Debt Validation Request, Creditor Declaration, and the Request for Production of Documents were ignored and disregarded. The response I received from Convergent Oursourcing , IncXXXX was a fraud packet they erroneously stated I requested. This is a direct violation of the Fair Debt Collection Practices Act. The company continues reporting the entry without verifying or validating the information. As you are well aware, it is the collection company 's responsibility to provide the information to the alleged consumer upon request for validation or verification. I have disputed the entry with XXXX and XXXX, to which they have failed to respond or remove the unverified entry as well. XXXX and XXXX have failed to properly investigate upon dispute, failed to repond to the request for verification, and failed to remove inaccurate information upon notice of such status. I am writing seperate complaints for these credit bureaus, as they are complicit in this not being investigated, verified, or removed. I am requesting either an appropriate response to my Validation Request, Creditor Declaration, and Request for Production of Documents containing the information requested in these documents to meet the standard of debt validation, or that the company remove the negative entry from all credit bureaus in which it is being reported to. I have attached records of the original letter of dispute and request for validation, signature proof of reciept, creditor declaration, and request for production of documents, and the response I received to support 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