Convergent Outsourcing

August19,2016Revdex.comP.OBox DuPont,WA [redacted] [redacted] To Whom It May Concern,Convergent Outsourcing has received [redacted] complaintConvergent Outsourcing received a similar complaint made by [redacted] to the Consumer Financial Protection BureauOur response remains the sameAttached is the response to the Consumer Financial Protection Bureau for you reference.If [redacted] has any additional inquiries, please have her contact [redacted] directly as Convergent Outsourcing is no longer handling this account ***SUPPORTING DOCUMENTS REDACTED BY Revdex.com***

Dear Mr [redacted] , ? Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inchas drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.? Please review the uploaded document for further information ? If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response? ? ? ? Respectfully submitted, ? Sarah K [redacted] Lead Compliance Rep

Complaint: [redacted] I am rejecting this response because: they are again wanting personal informationClaiming they cannot find my account

Dear Mr [redacted] ,? Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inchas drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.? Please review the uploaded document for further information.? If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response? ? ? ? Respectfully submitted,? Sarah K***Lead Compliance Rep

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me? They have agreed to remove it from Transunion, Experian and EquifaxPlease remove said account immediately Sincerely, [redacted]

Convergent Outsourcing, Inchas received and investigated [redacted] complaintThis account initially began reporting to Trans Union on 08/27/The information updated to the credit bureaus on 9/10/16, was a request for credit deletion per [redacted] previous complaint on 09/06/ The account with [redacted] was closed from our office on 09/06/2016; we are no longer handling this matterIhave attached a copy of our credit deletion request for [redacted] recordsConvergent Outsourcing does not believe it has violated any laws.If [redacted] has any further inquiries,please have her contact [redacted] directly to ensure resolution is found.We appreciate the opportunity to respond

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] ? ***

To Whom It May Concern, Convergent Outsourcing has received the additional inquiry from Mr [redacted] We have electronically submitted for the credit bureau deletion on today's date 04/29/2016.I have attached a copy of the credit deletion request for your referenceWe appreciate the opportunity to respond ***SUPPORTING DOCUMENTS REDACTED BY Revdex.com? ***

Complaint: [redacted] I am rejecting this response because: This collection company sent my personal information to my dad email address and work email address there for this have been referred to attorney office for further violations under collections laws cause my father did open it and my employerMy email address is [redacted] ?

Convergent Outsourcing, Inchas received Ms [redacted] 's complaintOn 04/17/2017, Ms [redacted] calledour office in response to a letter that she received at her addressWhen the agent pulled up theaccount she asked Ms [redacted] to verify the last four digits of her social security number to ensure wewere speaking with the correct party.The last four numbers Ms [redacted] provided did not match the information on fileThe agent thenapologized to Ms [redacted] , and advised that her address would be removedIt is ConvergentOutsourcing's polity to ensure we have the correct person on the phone; we do not attempt to Phishfor information.We apologize for any inconvenience our letter may have caused and have since removed Ms[redacted] 's address from the file

Dear Mr***,? Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inchas drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.? Please review the uploaded document for further information.? If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response? ?

Re: Case # [redacted] , [redacted] To whom this may concem, Convergent Outsourcing, Inchas investigated Ms [redacted] 's complaintOn 08/31/2015, [redacted] placed an account in our office, to collect a balance of $on their behalfIn response to Ms [redacted] 's complaint, the account has been closed in our office and returned to [redacted] Convergent Outsourcing has not reported our information for the above referenced account to the credit bureausWe do not own the account and therefore cannot guarantee the outcomeWe will forward a copy of this complaint and our response to [redacted] If Ms [redacted] has any further inquiries please have her contact [redacted] 's customer support at [redacted] We appreciate the opportunity to respond

Dear Mrs***,? Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inchas drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.? Please review the uploaded document for further information.? If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response? ? ? ? Respectfully submitted,? Sarah K***Lead Compliance Rep

Please view the attached PDF file Convergent Outsourcing has received [redacted] communication [redacted] placed this account in our office on 05/10/to collect a balance of $on their behalf.To date, we have mailed ? two validation ? notices to the address that matches what is provided ? in this communication.In response to receiving this communication, Convergent Outsourcing has closed the account in our office and returned it to our clientWe will request our information be removed from the credit bureausIf [redacted] has any further inquiries please have him contact [redacted] directly, as we are no longer handling this matter.We appreciate the opportunity to respond

Dear Mrs***, ? Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inchas drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint.? Please review the uploaded document for further information.? If we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response? ? ? ? Respectfully submitted,? Mattie ***-H***Compliance Representative

Convergent Outsourcing, Inchas received Mr [redacted] disputeCenturylink placed this account inour office 03/25/to collect a balance of $on their behalf.On 04/04/2016, Mr [redacted] called and spoke with one of our agentsOur company policy is toensure that we are speaking to the correct party so that we do not disclose personal information tothe incorrect partyMr [redacted] declined to verify he was the correct partyWe do not attempt toscam consumersWhen speaking with the agent Mr [redacted] did notify us that he would be filing acomplaintConvergent Outsourcing ceased collection activityOn 04/04/2016, the account wasclosed and returned to our client In response to receiving this communication, the account is closed and has been returned to ourclient CenturylinkWe have not reported our information for the above referenced account to thecredit bureausWe do not own the account therefore we cannot guarantee resolutionWe willforward a copy of this communication and our response to our clientIf Mr [redacted] has any furtherinquiries please have him contact Centurylink directly, as we are no longer handling the account.We appreciate the opportunity to respond Respectfully,Sarah K [redacted] Compliance Representative

Dear Ms [redacted] , Convergent Outsourcing Inchas received your request to cease communicationSynchrony Bankplaced this account in our office to collect a balance on their behalf on 03/ 01/2016.On 04/13/2016, we received a payment to settle your account at a reduced amount of$The account is no longer active in our office.In response to this information, I have added the phone number of 201-206-to our "do notcall list"We apologize for any inconvenience we may have caused.We appreciate the opportunity to respond Respectfully, Sarah K***Compliance Representative

Dear Dr***, Because responses are publicly posted on the Revdex.com website, Convergent Outsourcing Inchas drafted a detailed response that has been uploaded on the website to address your concerns provided in the complaint Please review the uploaded document for further informationIf we can be of further assistance, please don’t hesitate to contact us at the contact information provided on the uploaded response

Convergent Outsourcing, Incis attempting to investigate this complaintWith the information provided, I was unable to locate an account in our system.I was unable to locate an account with the name [redacted] listed in the amount of $149.00.I also attempted to locate information with the address listed in the complaint and did not find any matching information.The phone number provided in this complaint of [redacted] , also did not locate any information in our system.In this complaint, [redacted] is requesting a statement from Convergent OutsourcingTo locate the account [redacted] 's request is for we need additional informationPlease provide one or more of the following: Convergent Outsourcing account number, who is the creditor, what is the client account number or the full social security number.We appreciate the opportunity to respond and look forward assisting [redacted] with resolution

***DOCUMENT ATTACHED [redacted] June 03, 2016Revdex.comP.OBox DuPont, WA 98327Re: Complaint ID #: [redacted] , [redacted] ***Convergent Outsourcing account #: S- [redacted] Jefferson Capital Systems, LLC account #: [redacted] Debt Description: Chase Manhattan BankTo Whom It May Concern,Convergent Outsourcing has received Ms [redacted] response including new details to help identify the account in question.In the first communication we received on 05/11/from the Revdex.com, Ms [redacted] had stated that we "were pulling regular inquiries on her credit bureau"With that statement we were attempting to locatean account that was currently orrecently receiving inquiries to the credit bureaus.On 05/11/2016, we did not locate any active accounts that matched the information Ms [redacted] had provided and requested additional information.On 05/13/2016, Ms [redacted] responded to our request for the additional information requested to locate an accountIn the response made by Ms [redacted] she referenced speaking with a person by the name of Jason W***She also referenced that it was for a medical provider and a company called Commercial Recovery Services.On 05/13/2016, Convergent Outsourcing was not able to locate any active accounts in our system with the information provided.We were able to confirm we did not have an employee by the name of Jason Wi [redacted] and that we were not affiliated with this company referenced of Commercial Recovery ServicesUpon researching we were able to identify that the company mentioned was located in Sterling Height, MichiganIn our response to Ms [redacted] we again requested additional information to locate the account in question.On 05/26/2016, Ms [redacted] requested that we stop inquiring on her credit bureau and that she did not feel comfortable providing the additional information to help us locate an account, so we may ascertain why we were inquiring on her credit bureauWith this communication Ms [redacted] also provided a document from the credit bureaus showing we were inquiring on her credit bureauThe document listed many dates up to April 29,and appeared as if it was a continuous list of inquiries from the oldest date to newest date.With the information provided, it appeared that we still needing to locate an account that was currently being inquiredWe responded that we were still unable to locate an account in our system that matched the information provided.On 05/27/2016, Ms [redacted] responded that she had provided proof that we had been inquiring on her credit bureauShe also again stated that she did not feel comfortable providing her information through the internet In this communication we were also asked to not contact the credit bureaus for Ms [redacted] .On 05/27/2016, we responded that we were unable to locate the account in question that was receiving the inquiries to the credit bureau, and that we have continually tried to locate the account in question.In this communication Ms [redacted] was provided alternatives to send the information necessazy to help us locate an account sowe may resolve the issue.On 06/01/2016, Ms [redacted] responded that she had provided proof and that we are unable to access her information because the inquiry was from 2014.With this new information provided, we no longer needed to look for an account that had current inquiries taking place;rather an account that had inquiries from 2014.Upon searching our archived records, we were able to locate an account for Ms [redacted] that was placed in ouroffice by Jefferson Capital Systems, LLC.on 12/16/in the amount of $3402.92.Convergent Outsourcing, Inchad permissible purpose at that time to pull the credit report as we are a collections agency and our client placed this account for Ms [redacted] in our office for collectionsConvergent Outsourcing, Incdid not report this account to the credit bureausCredit inquiries did take place, which are private and viewable only by the consumer and does not affect their credit score.On 05/29/2014, Convergent Outsourcing received a letter from a third party on behalf of Ms [redacted] In this communication the third party explained Ms[redacted] was permanently disabl since and requested that we cease communication.The account was then placed in a cease communication statusOn 05/30/2014,the account was closed in our office and returned to our clientWhen the account was closed and no longer in our possession, we no longer had permissible purpose to inquire to the credit bureausConvergent Outsourcing has not inquired to the credit bureaus since 04/16/nor will we be inquiring to the credit bureaus on this account as we no longer have the account in our office.Our client has notified us that when we returned this account to them in May of 2014, that they ceased collection efforts atthat time.We sincerely apologize for any inconvenience Ms [redacted] has experienced in dealing with this matterConvergent Outsourcing hopes that this information will both clarify and resolve the issue at hand.Respectfully, Sarah K***Compliance Representative