Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Convergent Resources, Inc. (OH)

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent  XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 

On XXXX XXXX by Certified Mail I disputed inaccurate and unverified information on my XXXX XXXX XXXX consumer report from XXXX XXXX, XXXX XXXX  and XXXX XXXX. I have attached those correspondences below. XXXX XXXX XXXX responded by placing a block on the XXXX file due to Identity theft in which I included a police report. I then received a letter from Convergent attempting to collect on this alleged debt. XXXX XXXX XXXX sent a response regarding my dispute with XXXX XXXX  stating it was verified as accurate but they do not have access to account documentation therefore they were unable to provide any copies of documentation with my signature or how this information was verified to be able to report it on my consumer file. I requested information about who they spoke with at XXXX XXXX to verify the debt and they were unable to provide such information. 
According to the F.C.R.A Sections 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) it states that XXXX XXXX  signs has to provide copies of signed documentation and XXXX XXXX stated that they don't even have access. According to Section 611 ( a ) ( 1 ) ( A ) Method of Verification wasn't provided except for the fact that it was accurate and complete as of the date it was furnished to their database. XXXX XXXX didn't properly investigate this information so why are they reporting this information on my file. Lastly, XXXX XXXX didn't respond to my dispute regarding XXXX XXXX XXXX  at all. This letter was included with the other two dispute letter sent by Certified Mail as XXXX XXXX did say they received it.

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