Date Received: 2018-09-26T00:00:00
Product: Other debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I found a debt collection agency listed in my credit report. FDCPA 809, states that debt collectors have 5 days to notify the alleged debtor, the name, address, phone number, the amount of the alleged debt, notification that you have 30 days to despute the alleged debt, or 30 days to even have the debt verified.
XXXX XXXX XXXX failed to notify me in any way.
NO PHONE CALL, NO LETTER, NOTHING, BEFORE POSTING THIS ON MY CREDIT REPORT.
SO, XXXX XXXX XXXX, YOU ARE HEREBY NOTIFIED OF THE FDCPA VIOLATION.
There has been case laws that consider putting this in a credit report constitutes the fist initial communication. You had 5 days to notify me of my FDCPA rights, which you just violated.
You put this in my credit report on XX/XX/2018. Your 5 days are GONE.
So, NOT ONLY DID YOU FAIL TO NOTIFY ME OF MY RIGHT TO DISPUTE, YOU DID NOT NOTIFY ME OF THE NAME ADDRESS OR OTHER INFO ON THE ORIGINAL CREDITOR, YOU DID NOT TELL ME THE AMOUNT OF THE ALLEGED DEBT, AND YOU SENT NOTHING AS FAR AS PAPERWORK THAT EVEN VERIFIED OR VALIDATED THE DEBT.
YOU BROKE THE LAW!
Company: Convergent Resources, Inc.
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Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3030525
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