Consumer complaint received 09-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing ( a 'debt collection ' company ) has put items on my credit report that they have absolutely no proof are mine, in fact I know that they are not mine, and this has dropped my credit score over XXXX points in the last few months. 

They have been using social engineering tactics to attempt to get my personal information and if you look at consumer affairs website or XXXX website, they are doing this in mass production to many many americans. 

XXXX : XXXX : XXXXAnyone who is allowed to put items on someone else 's credit report that they have no proof belongs to that person or originated from that person is fraud, plain and simple. 

Convergent Outsourcing is sending out mass market letters and phone calls to unsuspecting individuals with hopes that social engineering will trick people into thinking a past debt from a cell phone company, cable company or health care bill ( for instance ) is due by them. Since they throw enough garbage against the wall, something will stick and someone will either have an recent account with the company being represented by Convergent or may just pay because they are not sure and do n't know better. 

There are reams of complaints on the websites mentioned above as evidence to this fraudulent practice. 

In my case they have put claims and items on my credit report that I owe various amounts of money to XXXX XXXX, for which I do not have an account with. Calling XXXX directly, they were not able to find an account in my name but here is Convergent Outsourcing affecting my good name and good credit NEGATIVELY without any proof at all that I owe any such debt. 

This is happening here in the United States of America. 

Convergent Outsourcing attains business by claiming to have the latest technology and best proprietary methods for finding debtors and attaining payment. I ask you then how can so many people be harassed to pay money they simply do not owe, these claims to their potential clients are obviously false, I will serve as exhibit A, so there is indeed a second complaint of falsely representing yourself or your services as a business. 

I had to put a fraud alert on my credit report to get these fraudulent items taken off my report, but my score has not come back up. After placing this alert, Convergent Outsourcing sent me a follow up 'social engineering ' letter stating that the 'fraud packet I requested ' [ I REQUESTED NO SUCH PACKET FROM ANYONE, ESPECIALLY THESE FRAUDSTERS ] was enclosed, and to fill it out and send back to them immediately. 
This 'fraud packet ' was a XXXX page word document that looked like a XXXX grade gym teacher put together on their lunch hour. The letter requested my full name, SSN, mailing address, home work and cellular phone # s, and other identifying information. If I had fallen victim to this social engineering tactic like I 'm sure they get many people to do, they would be in a much better position to harass me more and of course make it easier for them scare me into paying money I do n't owe or to tie more credit items to my report that I do not owe and take my credit score down even further. 

When people see their credit score dropping there is fear, uncertainty and doubt and these feelings cause human beings to act out in ways that do not always make sense, CO is preying on that fact of human nature and they are cashing in on it profusely, or they would not still be in business. 

I truly ca n't believe that this is allowable within the laws of this country but I am not a lawyer nor do I have the time or means to research and fight this any further so I turn to you to make this stop.

Company response to consumer: Closed with explanation