Consumer complaint received 10/22/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: In response to the response made by Convergent Outsourcing , Inc. on XXXX XXXX, 2015, I am responding to the lie Convergent Outsourcing, Inc. ( Convergent ) made. Convergent Outsourcing, Inc. stated : " As of XXXX/XXXX/2015, the account became inactive with Convergent and is no longer in our office. " I have proof that Convergent is a liar. I pulled my credit report ( aka consumer report ) from XXXX on XXXX XXXX, 2015. My Experian credit report shows that Convergent obtained my credit report on XXXX XXXX, 2015. Convergent obtained my credit report AFTER Convergent supposedly no longer has the account in their office. Convergent does not have and no longer has a permissible purpose to obtain my credit report ( s ). I will pursue legal action if Convergent ever contacts me or obtains my credit report ( s ). 

I will sue if I am ever contacted, harassed, or otherwise intimidated by Convergent Outsourcing , Inc., XXXX XXXX XXXX XXXX, and the below. My legal counsel will consider gathering, retrieving, requesting, reviewing, and/or obtaining through legal and illegal means my credit report ( s ) and/or consumer report ( s ) as intimidation and communication. Communication through direct or indirect means to me or my credit and/or consumer reports via third party retrieval methods ( i.e. consumer reporting agency or agencies ) is prohibited acts of communication. 

As such : I may not be further contacted and harassed by XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX ; The XXXX XXXX ; XXXX XXXX ; Convergent ; Convergent Outsourcing, Inc. ; XXXX XXXX XXXX XXXX , XXXX ; and anyone and anything that not specifically mentioned herein but may have been, may be presently, or may be future connected or related to any and all of the aforementioned. 

The aforementioned may not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. The aforementioned and anyone and anything that not specifically mentioned herein may not gather or retrieve my credit report ( s ) and/or consumer report ( s ) via permissible purpose, FCRA 604, 15 U.S.C. 1681b. The aforementioned do not have and no longer has a permissible purpose to gather or retrieve my credit report ( s ) and/or consumer report ( s ). XXXX XXXX XXXX XXXX has acknowledged my cease communication requests pursuant to Section 805 ( c ) of the FDCPA, 15 U.S.C. Section 1692c. 

As such : The XXXX XXXX XXXX XXXX and the aforementioned will be in violation of FCRA 604, 15 U.S.C. 1681b and Section 805 ( c ) ( XXXX ) of the FDCPA, 15 U.S.C. Section 1692c if the aforementioned or anyone and anything on behalf of the aforementioned gather or retrieve my credit report ( s ) and/or consumer report ( s ). 

If aforementioned gather or retrieve my credit report and/or consumer report, I will pursue legal action. If the aforementioned communicate with me, I will pursue legal action.

Company response to consumer: Closed with explanation