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Established Contributor
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Registered: ‎02-02-2013
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Convergent Collection Letter

I received a collection letter from Convergent today saying I owe Ebay around $50.  I've NEVER used ebay for anything but my brother has, I'm positive that he used my name to get the account since he was previously banned with his name. 

 

On the collection letter it doesn't have my full name, its my name but missing the last few letters.  I know if I ask my brother he is just going to deny it and probably start more problems than its worth.

 

Next steps?  I am going to DV them but should I spell my name on the DV letter how they have it spelled or properly?  Would these joksters even be able to report since it isn't spelled right and they don't have my SSN#?

 

If they can validate and I pay asap would they still report?

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Convergent Collection Letter

I think you might want to post this in the Rebuilding Forum. They might be able to answer your questions better.

Good luck.
Established Contributor
Posts: 500
Registered: ‎02-02-2013
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Re: Convergent Collection Letter

This is what happens when you have multiple tabs open! LOL Can someone move this please? :smileyvery-happy:

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

New Contributor
Posts: 164
Registered: ‎04-16-2013
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Re: Convergent Collection Letter


2FixMyCredit wrote:

I received a collection letter from Convergent today saying I owe Ebay around $50.  I've NEVER used ebay for anything but my brother has, I'm positive that he used my name to get the account since he was previously banned with his name. 

 

On the collection letter it doesn't have my full name, its my name but missing the last few letters.  I know if I ask my brother he is just going to deny it and probably start more problems than its worth.

 

Next steps?  I am going to DV them but should I spell my name on the DV letter how they have it spelled or properly?  Would these joksters even be able to report since it isn't spelled right and they don't have my SSN#?

 

If they can validate and I pay asap would they still report?


This will probably be a very difficult thing for you to dispute.  If your brother used your account, and resides at the same address, they'll likely see that the transactions came from the same IP addy.  Did you have your ebay password saved?


Established Contributor
Posts: 500
Registered: ‎02-02-2013
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Re: Convergent Collection Letter

LOL I said I don't use Ebay, I've never used them.  My brother would have been the one to open the account not me.

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Convergent Collection Letter

Well your going to be in a tough situation with this.

 

More than likely youll have rWello file a police report for identity theft to get it removed if they report.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Established Contributor
Posts: 500
Registered: ‎02-02-2013
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Re: Convergent Collection Letter

I'm not going to file charges against my brother over $50. 

I'm going to DV them of course and go from there.  But based on experience do you all think IF they even respond to the DV if I pay will they report?

 

Also, some input on rather or not I should "fix" my name on their end would be great.  I mean I just don't see how they could report without a proper name and a SSN?

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Convergent Collection Letter


2FixMyCredit wrote:

I'm not going to file charges against my brother over $50. 

I'm going to DV them of course and go from there.  But based on experience do you all think IF they even respond to the DV if I pay will they report?

 

Also, some input on rather or not I should "fix" my name on their end would be great.  I mean I just don't see how they could report without a proper name and a SSN?


If your not going to get the police report I would ignore their attempts to collect.

 

If they do report it dispute with the bureaus as not your debt.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Epic Contributor
Posts: 20,641
Registered: ‎03-19-2007
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Re: Convergent Collection Letter

[ Edited ]

If the creditor has, in their possession, documents that support your authoriization of the debt, then they can legitimately verify the accuracy of their reporting in response to any dispute or use it to verify the debt with their debt collector in response to request for verification of the debt.  The use of your name may have been fraud/identity theft, but they have no way of proving or disproving just as the credtior cannot prove or disprove.

 

That is THE reason that the identity theft provisions of the FCRA were added... to set forth a process wherein neither side need provide proofs of the accuracy of the consumer's authori\ation.  If the consumer is willing to put their statement that they did not authorize the accouunt/transaction into a police report, the FCRA identity theft process accepts that sworn statment before a law enforcement agency as sufficient basis for blocking the information from their credit report.

 

Whether or not law enforcement choses to investigate and refer for prosecution is their call, and the risk one takes.  The consumer is not "bringing charges" by filing an identity theft/police report.

 

If one chooses not to avail themselves of the FCRA identity theft process, then neither a dispute or a request for debt validation is ikely to result in deletion.  They are not  legal fact-findifng processes that will shift the burden to the creditor or debt collector to prove the legitimacy of the transaction.  They can reasonably rely on the documentation of the transaction.

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