Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergence Outsourcing https : //www.convergentusa.com/outsourcing/request/make began contacting me on XX/XX/XXXX over an alleged debt. I do not answer unknown calls. I called back under a different line and the person answered demanded to know what number I was referencing and would only tell me his first name. He finally told me he worked for " XXXX XXXX  '' yet the numbers they call from are related to https : //www.convergentusa.com/outsourcing/request/make I went to the web and filled out a Do Not Call notice and attached the following validation letter which requires the company to send any correspondence to me via mail which is my right. 

They have ignored this letter and are in violation of Federal Law. 

See the attached letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Convergence Outsourcing Via email Re : XXXX XXXX Claim To Whom It May Concern : This letter is being sent to you in response to a phone call to me on XX/XX/XXXX. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you on any account. 

Please provide me with the following : 1. What the money you say I owe is for. 

2. Explain and show me how you calculated what you say I owe.

3. Provide me with copies of any papers that show I agreed to pay what you say I owe 4. Provide a verification or copy of any judgment if applicable 5. Identify the original creditor 6. Prove the Statute of Limitations has not expired on this account 7. Show me that you are licensed to collect in my state 8. Provide me with your License Numbers. 

9. Provide me with the name and address of your Registered Agent. 

10. Please provide me with the permissible purpose for pulling my credit report 11. Provide me with copies of any signed papers that show I agree to pay what you say I owe. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 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 my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

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. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your office 's attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX

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