Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Pursuant to 15 usc 1681 ( a ) ( 4 ) - I as a consumer has a right to privacy.

I have been violated and severely damaged as a result of CONVERGENT OUTSOURCING to consumer reporting agencies is an infringement upon my consumer right privacy. Pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ) CONVERGENT OUTSOURCING did not have a permissible purpose nor my written instruction to furnish private information to any consumer reporting agency. You are in violation. My privacy is violated to the highest degree as a consumer I have been damaged and hindered defamed and insulted I've suffered from XXXX, XXXX XXXX XXXX thoughts. My livelihood severely challenged and I've been humiliated and embarrassed. Per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove such said information from the file. 
REF # XXXX Collection Account Reported XX/XX/22 I have reason to believe and do believe that the organization CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX, XXXX Wa XXXX does not even have valid delegation of authority to act, pursue or collect services of collection from the United States as in i'm alleging that your organization CONVERGENT OUTSOURCING have no contract to collect obligations and securities of the United States so be it, and notice within the next XXXX days no more than 30 days from receipt of this complaint, CONVERGENT OUTSOURCING shall provide evidence of whom actually funded this alleged debt that is being reported on my consumer report unlawfully, provide evidence of the credit and proceeds of accounting. Notice that in accordance title 18 usc 8 obligations and other securities of ; Show cause whereas, I the consumer has any obligation to any of these forms of obligation of the United States ; in accordance to title 28 usc 3002 ( 1 ) ( B ) and in connection with 31 usc 3718, I do so demand that CONVERGENT OUTSOURCING provide evidence of how and whom has the authority from CONVERGENT OUTSOURCING to collect the alleged debt, provide in writting your proof of claim and established plan, provide in writing your with the treasury to actually collect in connection with the codes I have provided, notice I am alleging that in accordance with 15 usc 1692j, I was also furnished inconclusive information, threatened to pay an obligation to the United States. My consumer rights have been violated, my character has been defamed by CONVERGENT OUTSOURCING. I object to these forms of abusive debt collection practices. I do so object to ALL forms of abusive debt collection. Pursuant to title 15 in accordance with 15 usc subscribed and sworn to section 78 m ( q ) ( 1 ) ( c ) ( iiii ) not in these exact words, payment be the commercial development of oil, minerals and natural resources as natural gas, etc. so be it, define the form, species and substance of payment that your firm has authorization in writing under title 18 usc subscribed and sworn to section 8 obligations and other securities of the United States, and also provide where as I am being the consumer, obligated to pay any of the debts under title 18 usc 8 so be it. per the FCRA 623 ( a ) ( 5 ) if the Bureau can not validate or verify the information with the ORIGINAL CREDITOR said information must be removed from consumer credit file quote. considering the information indicating a fair credit reporting act violation, I demand all information currently showing due or past due to your organization to be permanently deleted from my consumer reports IMMEDIATELY and all reporting communication cease and desist all activity.

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