Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This debt is appearing on my credit report, I disputed the debt and did not receive valid proof that this debt belongs to me. This company is reporting false information, stating this account was opened in XX/XX/XXXX, I have no opened any account with this company or its affiliates in XX/XX/XXXX. This is my second request to have this account validated, fail to due so will result in me taking legal action. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX RE : DISPUTE VALIDATION To Whom it may concern, Please be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ). I have a right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the DDCPA. I have respectfully request that your offices provide me with competent evidence that I have a legal obligation to pay you. At this time I will also inform you that if your office have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports I will consult with legal counsel for suit. This includes any listings of any information to a credit-reporting repository that could be inaccurate or invalidated. IF your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and yoru client assure that your records are in order before I am forced to take legal action. 
CREDITOR/DEBT COLLECTION DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/shXXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any judgements obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commissions for debt collector of collection efforts are successful. 
Please provide the name and address of the bonding agent for XXXX XXXX XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant of the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Best Regards, XXXX XXXX Cc : Federal Trade Commission

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