Consumer complaint received 2022-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Convergent Outsourcing is attempting to collect a debt on XXXX behalf which is actually no longer XXXX but XXXX. I don't have an outstanding balance of {$73.00} with XXXX which is officially went out of business XX/XX/XXXX of XXXX. XXXX who now owns the XXXX brand never reached out to me concerning an outstanding balance of {$73.00} because my balance was waived when I was transferred over from XXXX to XXXX back in XXXX of XXXX. Convergent Outsourcing has no right to try to collect anything from me after 2 years of being a loyal paying customer to XXXX. Their practices are unethical stating that I first became delinquent in XXXX of this year XXXX no of that is true. Convergent Outsourcing is in violation of my privacy and my character has been comprised with the reporting to my credit. This is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. Convergent Outsourcing has no right to report on my credit report. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Convergent Outsourcing is in violation of contacting me which is harassment and abusive practices. Convergent Outsourcing advised that On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$73.00} on their behalf. Which is not true because XXXX is out of business and XXXX has never contacted me stating that I owe {$73.00}. XXXX also said that on XX/XX/XXXX they sent a validation notice, which is not true a complete lie. Convergent Outsourcing should not be allowed to continue their establishment as they did not comply with the FTC, FCC and CFPB rules. They are in violation and XXXX should also do something about this as their name is being compromised. When I disputed Convergent Outsourcing, Inc. with XXXX they advised that all collection of debt would stop but they are still reporting a debt of {$73.00} to the credit agencies. Convergent Outsourcing, Inc submits to deceptive, abusive practices to consumers who were vulnerable from XXXX. XXXX waived the {$73.00} in response to the Cares Act. XXXX made pledge to customers in response to the Federal Communications Commission which just further justifies that this fee was waived as I stated. The following was pledged by XXXX in the wake of XXXX Waiving late fees incurred because of economic circumstances related to the pandemic. I am not sure how Convergent Outsourcing received my information 2 years later after that {$73.00} sign up fee was waived. XXXX brought XXXX shortly after and I am still a customer to this day not owing anything. XXXX never once contacted me regarding a debt because this is a fraudulent attempt to collect a debt not owed. I am not being treated fairly and targeted even though I experienced major difficulties health and financially during XXXX XXXX and the fee was waived because XXXX complied with the Federal Communications Communication. XXXX joined the Keep Americans Connected pledge, offering uninterrupted wireless service and waived late fees. Please stop harassing me and damaging my credit and take me out of your collections and delete my file, XXXX should not have any access to any of my personal information including my address, telephone number, social security number, etc.

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