Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
In response to complaint ID : XXXX and XXXX My is XXXX XXXX, an agent for principal XXXX XXXX. I am a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against Convergent Outsourcing for violating multiple cease and desist notices received on XX/XX/XXXX through CFPB Complaint number XXXX and XX/XX/XXXX through CFPB Complaint number XXXX. I have never received any communication about this alleged debt prior to it being furnished to my consumer report. Convergent outsourcing has violated my individual right to privacy by continuing to commit abusive, deceptive, and unfair debt collection practices with no regards for federal law. I have never contracted with Convergent Outsourcing so Convergent Outsourcing has no lawful authority to be in possession of my identifying information. This is identity theft. Attached are the following exhibits : Exhibit A is the fraudulently furnished tradeline to my consumer report. Exhibit B is Convergent Outsourcing response to CFPB complaint number XXXX. Exhibit C is an identity theft affidavit filed with the FTC. Exhibit D is Convergent Outsourcing response to CFPB complaint number XXXX. 
Convergent Outsourcing has stated Convergent Outsourcing does not believe that we have violated any laws. We strive to report accurate information as required by federal law. Convergent is within the requirements of the FCRA as it pertains to our responsibility as a 3rd party debt collector when furnishing data to the credit reporting agencies. 
I disagree. Pursuant 15 U. S. Code 1692g ( c ), my failure to validate this this alleged debt shall not be construed as an admission of liability. I never received any validation documents prior to the furnishing of this alleged debt which is a violation of 15 U. S. Code 1692d ( 4 ), which the FTC defines as debt parking. In a statement from the FTC, Reporting debts first and asking questions later or not at all can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. 
Convergent Outsourcing has stated On XX/XX/XXXX, XXXX placed this account in our office to collect a balance on their behalf of {$1600.00}. 
I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U. S. Code 1692e ( 12 ). Convergent has openly admitted to unlawful extortionate activities and shall be held criminally liable for aggravated identity theft. 

Convergent Outsourcing has stated We sent you several validation notices. 
I have never received a validation notice from Convergent Outsourcing. I would need for Convergent Outsourcing to provide me with documentary evidence such as a tracking number or a return receipt bearing my wet signature proving they in fact attempted to lawfully validate this alleged debt with me prior to the furnishing this alleged debt to my consumer report. Without this documentary evidence, this has been a fraudulently furnished tradeline with forethought and malice to bring harm to me and my financial reputation and Convergent Outsourcing shall be held criminally liable under 18 U. S. Code 894. 

Convergent Outsourcing has stated On XX/XX/XXXX, we mailed you documents obtained from XXXX, validating the balance that they state is owed. These documents were sent to you again on XX/XX/XXXX. 
Convergent XXXX has openly admitted to securities fraud and sending false and deceptive forms as an attempt to commit theft by deception. Convergent XXXX and XXXX shall both be held criminally liable for racketeering activity. 

Convergent Outsourcing has stated Convergent Outsourcing can confirm that the information was sent was to your current address. Please note that the validation information we have provided you is specific to the requirements we are obligated to provide according to the federal law that governs our industry as it relates to validation of debt. 
Due to Convergent Outsourcing openly committing fraud with no regard to federal law, I would be remiss to just take their word for it. Without proof, this is hearsay. Provide proof that you attempted to lawfully validate this alleged debt prior to furnishing it on my consumer report. 

Convergent Outsourcing has stated This information is directly from XXXX. On XX/XX/XXXX, we received your initial Consumer Financial Protection Bureau complaint. In response to your complaint, we mailed you a fraud packet to your current address. To date, we have not received the requested information. In response to your complaint, this account remains in a disputed status. 
To date, Convergent Outsourcing has not produced any documentary evidence, such as a trilateral contract, that they have any lawful right to have my identifying information or to collect on this alleged debt. 

Convergent Outsourcing has stated This account remains reported to the credit bureaus with accuracy as disputed. 
Convergent Outsourcing has never attempted to validate this alleged debt prior to furnishing it to my consumer report and is openly committing unlawful extortionate activities with forethought and malice to coerce me into paying this alleged debt they claim I owe. Convergent XXXX is using unlawful extortionate means to collect on this alleged debt and shall be held criminally liable under XXXX XXXX XXXX XXXX XXXX. 

This is my final attempt to have this matter rectified before pursuing legal matters. If Convergent XXXX would like to continue committing fraud and unlawful criminal activities, this matter can be further discussed in federal court where I have no intention on pursuing any monetary amount.

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