{"id":"convergent-outsourcing","page":"https://escalate.alexgaoth.com/#/c/convergent-outsourcing","html":"https://escalate.alexgaoth.com/c/convergent-outsourcing/","generated":"2026-10-15","company":{"id":"convergent-outsourcing","name":"Convergent Outsourcing (now Transworld Systems)","aliases":["convergent","convergent outsourcing inc","convergent resources","convergent healthcare recoveries"],"sector":"debt_collector","parent":"Transworld Systems Inc.","website":"https://www.convergentusa.com","official_domains":["convergentusa.com","tsico.com"],"regulators":["cfpb","ftc"],"notes":"On 2026-10-13 convergentusa.com redirected (HTTP 301) to tsico.com, the site of Transworld Systems Inc. (TSI). TSI completed its acquisition of Account Control Technology Holdings in June 2021, and trade press reported that ACT owned Convergent Outsourcing, Inc. We found no notice on TSI's site about Convergent accounts, so confirm with the collector named on your letter. CFPB complaints still appear under \"Convergent Resources, Inc.\".","channels":[{"id":"tsi-main-phone","type":"phone","label":"Transworld Systems main line","value":"+1-866-228-9034","hours":"Monday through Friday, 8:00 am to 5:00 pm EST","purposes":["debt_collection","credit_report_error"],"access":"human_only","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"},{"id":"tsi-consumer-hotline","type":"phone","label":"TSI Consumer Hotline (complaints about how TSI is collecting a debt)","value":"+1-866-545-9191","hours":"Monday through Friday, 8:00 am to 5:00 pm EST","purposes":["debt_collection"],"access":"human_only","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"},{"id":"tsi-contact-form","type":"web_form","label":"TSI consumer contact form (written complaints)","value":"https://my.tsico.com/contact-us/consumer","purposes":["debt_collection","credit_report_error"],"notes":"TSI says not to include payment card or bank information in the form.","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"}],"escalation":[{"rung":"written_complaint","channel":"tsi-contact-form","note":"Dispute in writing within the validation period, at the address on the validation notice."},{"rung":"regulator","regulator":"cfpb"},{"rung":"regulator","regulator":"ftc"},{"rung":"state_agency","agency_kind":"attorney_general"},{"rung":"small_claims"}],"playbooks":[{"issue":"debt_collection","summary":"Check which company now holds the account, then dispute in writing at the address on the validation notice.","evidence":["validation notice with the end date of the validation period","account and original creditor numbers","copies of what you send"],"steps":[{"do":"Check the collector's name and address on the letter. If it says Convergent, ask TSI whether it now handles the account.","channel":"tsi-main-phone"},{"do":"Before the validation period ends, send a written dispute by certified mail to the address on the notice, asking for verification and the original creditor's name and address."},{"do":"Complain about collection conduct through TSI's form or Consumer Hotline.","channel":"tsi-contact-form"},{"do":"If collection continues without verification, file a CFPB complaint.","regulator":"cfpb"}],"facts":[{"kind":"process","claim":"If you dispute in writing within the validation period, a debt collector must stop collecting the debt, or the disputed part, until it sends verification of the debt or a copy of a judgment (Regulation F, 12 CFR 1006.38).","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","last_verified":"2026-10-13"}]},{"issue":"credit_report_error","summary":"Dispute the entry with each credit bureau and directly with the furnisher at the address on your credit report.","evidence":["credit report page with the entry","proof that it is wrong"],"steps":[{"do":"Dispute the entry with each credit bureau that shows it."},{"do":"Send a direct dispute to the address on your credit report for the furnisher."},{"do":"If the entry is not fixed, file a CFPB complaint.","regulator":"cfpb"}],"facts":[{"kind":"process","claim":"A furnisher must investigate a direct dispute sent to the address on your credit report or the address it gives for disputes, and finish within the same time a credit bureau has (Regulation V, 12 CFR 1022.43).","issues":["credit_report_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1022/43/","last_verified":"2026-10-13"}]}],"facts":[{"kind":"policy","claim":"Transworld Systems Inc. announced that it completed its acquisition of Account Control Technology Holdings, Inc. (ACT Holdings) in June 2021.","source":"https://tsico.com/?p=57345","last_verified":"2026-10-13"},{"kind":"policy","claim":"Trade press reported on June 7, 2021 that the companies owned and operated by ACT included Convergent Outsourcing, Inc., Convergent Revenue Cycle Management, Inc. and Convergent Healthcare Recoveries, Inc.","source":"https://www.accountsrecovery.net/2021/06/07/tsi-continues-acquisition-binge-buying-account-control-technology/","last_verified":"2026-10-13"},{"claim":"The CFPB received 48 complaints about Convergent Resources, Inc. from July 1, 2025 to June 30, 2026 (debt collection 39; credit reporting 9). All 48 were closed with explanation and all were timely.","source":"https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=Convergent%20Resources%2C%20Inc.&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0","last_verified":"2026-10-13"}],"known_blockers":["Convergent's own site no longer exists; it redirects to Transworld Systems.","Neither site publishes a dispute mailing address."]},"playbooks":{"debt_collection":{"company":{"id":"convergent-outsourcing","name":"Convergent Outsourcing (now Transworld Systems)","sector":"debt_collector","website":"https://www.convergentusa.com","account_url":null},"issue":{"id":"debt_collection","name":"Sent to collections"},"playbook_source":"company","summary":"Check which company now holds the account, then dispute in writing at the address on the validation notice.","evidence":["validation notice with the end date of the validation period","account and original creditor numbers","copies of what you send"],"steps":[{"do":"Check the collector's name and address on the letter. If it says Convergent, ask TSI whether it now handles the account.","channel":{"id":"tsi-main-phone","type":"phone","label":"Transworld Systems main line","value":"+1-866-228-9034","hours":"Monday through Friday, 8:00 am to 5:00 pm EST","purposes":["debt_collection","credit_report_error"],"access":"human_only","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"}},{"do":"Before the validation period ends, send a written dispute by certified mail to the address on the notice, asking for verification and the original creditor's name and address."},{"do":"Complain about collection conduct through TSI's form or Consumer Hotline.","channel":{"id":"tsi-contact-form","type":"web_form","label":"TSI consumer contact form (written complaints)","value":"https://my.tsico.com/contact-us/consumer","purposes":["debt_collection","credit_report_error"],"notes":"TSI says not to include payment card or bank information in the form.","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"}},{"do":"If collection continues without verification, file a CFPB complaint.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"tsi-main-phone","type":"phone","label":"Transworld Systems main line","value":"+1-866-228-9034","hours":"Monday through Friday, 8:00 am to 5:00 pm EST","purposes":["debt_collection","credit_report_error"],"access":"human_only","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"},{"id":"tsi-consumer-hotline","type":"phone","label":"TSI Consumer Hotline (complaints about how TSI is collecting a debt)","value":"+1-866-545-9191","hours":"Monday through Friday, 8:00 am to 5:00 pm EST","purposes":["debt_collection"],"access":"human_only","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"},{"id":"tsi-contact-form","type":"web_form","label":"TSI consumer contact form (written complaints)","value":"https://my.tsico.com/contact-us/consumer","purposes":["debt_collection","credit_report_error"],"notes":"TSI says not to include payment card or bank information in the form.","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"}],"facts":[{"kind":"process","claim":"If you dispute in writing within the validation period, a debt collector must stop collecting the debt, or the disputed part, until it sends verification of the debt or a copy of a judgment (Regulation F, 12 CFR 1006.38).","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","last_verified":"2026-10-13"},{"kind":"policy","claim":"Transworld Systems Inc. announced that it completed its acquisition of Account Control Technology Holdings, Inc. (ACT Holdings) in June 2021.","source":"https://tsico.com/?p=57345","last_verified":"2026-10-13"},{"kind":"policy","claim":"Trade press reported on June 7, 2021 that the companies owned and operated by ACT included Convergent Outsourcing, Inc., Convergent Revenue Cycle Management, Inc. and Convergent Healthcare Recoveries, Inc.","source":"https://www.accountsrecovery.net/2021/06/07/tsi-continues-acquisition-binge-buying-account-control-technology/","last_verified":"2026-10-13"},{"claim":"The CFPB received 48 complaints about Convergent Resources, Inc. from July 1, 2025 to June 30, 2026 (debt collection 39; credit reporting 9). All 48 were closed with explanation and all were timely.","source":"https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=Convergent%20Resources%2C%20Inc.&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0","last_verified":"2026-10-13"}],"rules":{"in_force":[{"id":"fdcpa-reg-f-validation","title":"Debt validation notice and dispute period (FDCPA, Regulation F)","citation":"12 CFR 1006.34; 12 CFR 1006.38 (Regulation F)","jurisdiction":"us-federal","status":"in_effect","summary":"A third-party debt collector must give the consumer validation information, including an itemization of the debt and the date the validation period ends. If the consumer disputes the debt in writing within the validation period (30 days after the consumer receives or is assumed to receive the information), the collector must stop collecting until it sends verification of the debt.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","last_verified":"2026-10-12","points":[{"kind":"policy","claim":"Regulation F covers a debt collector: a person whose principal business purpose is collecting debts, or who regularly collects debts owed or asserted to be owed to another. It generally does not cover a creditor's own employees collecting in the creditor's name, or a person who got a debt before it was in default. A debt is a consumer obligation primarily for personal, family or household purposes.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The collector must give the validation information in the initial communication, or within five days after it, or orally in the initial communication.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The validation period ends \"30 days after the consumer receives or is assumed to receive the validation information\". The collector may assume receipt on any date \"at least five days (excluding legal public holidays identified in 5 U.S.C. 6103(a), Saturdays, and Sundays)\" after it provides the information. The notice must state the date the collector will treat as the end of the validation period.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","last_verified":"2026-10-12"},{"kind":"policy","claim":"The validation information includes the itemization date, the amount of the debt on that date, an itemization of interest, fees, payments and credits since then, the current amount, and a consumer response section with dispute prompts.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","last_verified":"2026-10-12"},{"kind":"process","claim":"\"Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt, or any disputed portion of the debt,\" until it sends the consumer a copy of verification of the debt or of a judgment, in writing or electronically. A dispute sent through an electronic medium the collector accepts, such as its email address or website portal, counts as written.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","last_verified":"2026-10-12"},{"kind":"process","claim":"If the consumer asks in writing within the validation period for the name and address of the original creditor, the collector must stop collection until it provides that information.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","last_verified":"2026-10-12"},{"kind":"policy","claim":"During the validation period the collector may not use collection activities or communications that overshadow or are inconsistent with the consumer's dispute rights. Failure to dispute does not count as a legal admission that the consumer owes the debt.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"written_complaint","note":"Dispute in writing within the validation period, at the address on the validation notice.","channel":{"id":"tsi-contact-form","type":"web_form","label":"TSI consumer contact form (written complaints)","value":"https://my.tsico.com/contact-us/consumer","purposes":["debt_collection","credit_report_error"],"notes":"TSI says not to include payment card or bank information in the form.","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"}},{"index":1,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":2,"rung":"regulator","regulator":{"id":"ftc","name":"Federal Trade Commission","level":"federal","when_to_use":"Report fraud, scams, identity theft and unfair or deceptive business practices, such as a company that blocks cancellation. The FTC does not resolve individual cases, so pursue your refund with the company, your card issuer or a state agency at the same time.","channels":[{"id":"reportfraud","type":"web_form","label":"ReportFraud.ftc.gov","value":"https://reportfraud.ftc.gov/","purposes":["fraud","unauthorized_charge","cancel_service"],"notes":"For fraud, scams and bad business practices.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"identitytheft","type":"web_form","label":"IdentityTheft.gov (identity theft report and recovery plan)","value":"https://www.identitytheft.gov/","purposes":["fraud"],"source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"donotcall","type":"web_form","label":"National Do Not Call Registry (unwanted calls)","value":"https://www.donotcall.gov/","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"consumer-response-center","type":"phone","label":"Consumer Response Center (1-877-FTC-HELP)","value":"+1-877-382-4357","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"headquarters-mail","type":"mail","label":"FTC headquarters mailing address","value":"Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580","notes":"The contact page lists this headquarters address. Online reporting is the documented path for consumer reports.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FTC and other agencies use reports to investigate and bring cases, but cannot resolve cases for individuals.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"},{"kind":"process","claim":"Reports go into a secure national database that law enforcement can use. FTC investigators, lawyers and analysts review reports to spot patterns and build cases.","source":"https://consumer.ftc.gov/consumer-alerts/2026/08/did-you-spot-scam-heres-what-do-next","last_verified":"2026-10-12"},{"kind":"process","claim":"After you submit a report, the FTC gives you steps to protect yourself or try to get your money back.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"}],"notes":"The FTC collects reports; it does not mediate. A report number is still useful evidence for a card dispute or a state attorney general complaint. ReportFraud.ftc.gov was still the reporting path in an FTC consumer alert dated 2026-08-28."}},{"index":3,"rung":"state_agency","agency_kind":"attorney_general","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"small_claims"}],"known_blockers":["Convergent's own site no longer exists; it redirects to Transworld Systems.","Neither site publishes a dispute mailing address."],"security":{"official_domains":["convergentusa.com","tsico.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"B","primary_share":0.875,"sources":{"primary":7,"other":1},"verified_from":{"page":8},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade B (good: mostly official pages; check the flagged values before relying on them). 88% of 8 sources are the organization's own pages or government sites; only 8 sourced values, so the entry is thin.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"On 2026-10-13 convergentusa.com redirected (HTTP 301) to tsico.com, the site of Transworld Systems Inc. (TSI). TSI completed its acquisition of Account Control Technology Holdings in June 2021, and trade press reported that ACT owned Convergent Outsourcing, Inc. We found no notice on TSI's site about Convergent accounts, so confirm with the collector named on your letter. CFPB complaints still appear under \"Convergent Resources, Inc.\".","warnings":[]},"credit_report_error":{"company":{"id":"convergent-outsourcing","name":"Convergent Outsourcing (now Transworld Systems)","sector":"debt_collector","website":"https://www.convergentusa.com","account_url":null},"issue":{"id":"credit_report_error","name":"Error on a credit report"},"playbook_source":"company","summary":"Dispute the entry with each credit bureau and directly with the furnisher at the address on your credit report.","evidence":["credit report page with the entry","proof that it is wrong"],"steps":[{"do":"Dispute the entry with each credit bureau that shows it."},{"do":"Send a direct dispute to the address on your credit report for the furnisher."},{"do":"If the entry is not fixed, file a CFPB complaint.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"tsi-main-phone","type":"phone","label":"Transworld Systems main line","value":"+1-866-228-9034","hours":"Monday through Friday, 8:00 am to 5:00 pm EST","purposes":["debt_collection","credit_report_error"],"access":"human_only","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"},{"id":"tsi-contact-form","type":"web_form","label":"TSI consumer contact form (written complaints)","value":"https://my.tsico.com/contact-us/consumer","purposes":["debt_collection","credit_report_error"],"notes":"TSI says not to include payment card or bank information in the form.","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"}],"facts":[{"kind":"process","claim":"A furnisher must investigate a direct dispute sent to the address on your credit report or the address it gives for disputes, and finish within the same time a credit bureau has (Regulation V, 12 CFR 1022.43).","issues":["credit_report_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1022/43/","last_verified":"2026-10-13"},{"kind":"policy","claim":"Transworld Systems Inc. announced that it completed its acquisition of Account Control Technology Holdings, Inc. (ACT Holdings) in June 2021.","source":"https://tsico.com/?p=57345","last_verified":"2026-10-13"},{"kind":"policy","claim":"Trade press reported on June 7, 2021 that the companies owned and operated by ACT included Convergent Outsourcing, Inc., Convergent Revenue Cycle Management, Inc. and Convergent Healthcare Recoveries, Inc.","source":"https://www.accountsrecovery.net/2021/06/07/tsi-continues-acquisition-binge-buying-account-control-technology/","last_verified":"2026-10-13"},{"claim":"The CFPB received 48 complaints about Convergent Resources, Inc. from July 1, 2025 to June 30, 2026 (debt collection 39; credit reporting 9). All 48 were closed with explanation and all were timely.","source":"https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=Convergent%20Resources%2C%20Inc.&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0","last_verified":"2026-10-13"}],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"written_complaint","note":"Dispute in writing within the validation period, at the address on the validation notice.","channel":{"id":"tsi-contact-form","type":"web_form","label":"TSI consumer contact form (written complaints)","value":"https://my.tsico.com/contact-us/consumer","purposes":["debt_collection","credit_report_error"],"notes":"TSI says not to include payment card or bank information in the form.","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"}},{"index":1,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":2,"rung":"regulator","regulator":{"id":"ftc","name":"Federal Trade Commission","level":"federal","when_to_use":"Report fraud, scams, identity theft and unfair or deceptive business practices, such as a company that blocks cancellation. The FTC does not resolve individual cases, so pursue your refund with the company, your card issuer or a state agency at the same time.","channels":[{"id":"reportfraud","type":"web_form","label":"ReportFraud.ftc.gov","value":"https://reportfraud.ftc.gov/","purposes":["fraud","unauthorized_charge","cancel_service"],"notes":"For fraud, scams and bad business practices.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"identitytheft","type":"web_form","label":"IdentityTheft.gov (identity theft report and recovery plan)","value":"https://www.identitytheft.gov/","purposes":["fraud"],"source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"donotcall","type":"web_form","label":"National Do Not Call Registry (unwanted calls)","value":"https://www.donotcall.gov/","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"consumer-response-center","type":"phone","label":"Consumer Response Center (1-877-FTC-HELP)","value":"+1-877-382-4357","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"headquarters-mail","type":"mail","label":"FTC headquarters mailing address","value":"Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580","notes":"The contact page lists this headquarters address. Online reporting is the documented path for consumer reports.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FTC and other agencies use reports to investigate and bring cases, but cannot resolve cases for individuals.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"},{"kind":"process","claim":"Reports go into a secure national database that law enforcement can use. FTC investigators, lawyers and analysts review reports to spot patterns and build cases.","source":"https://consumer.ftc.gov/consumer-alerts/2026/08/did-you-spot-scam-heres-what-do-next","last_verified":"2026-10-12"},{"kind":"process","claim":"After you submit a report, the FTC gives you steps to protect yourself or try to get your money back.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"}],"notes":"The FTC collects reports; it does not mediate. A report number is still useful evidence for a card dispute or a state attorney general complaint. ReportFraud.ftc.gov was still the reporting path in an FTC consumer alert dated 2026-08-28."}},{"index":3,"rung":"state_agency","agency_kind":"attorney_general","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"small_claims"}],"known_blockers":["Convergent's own site no longer exists; it redirects to Transworld Systems.","Neither site publishes a dispute mailing address."],"security":{"official_domains":["convergentusa.com","tsico.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"B","primary_share":0.875,"sources":{"primary":7,"other":1},"verified_from":{"page":8},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade B (good: mostly official pages; check the flagged values before relying on them). 88% of 8 sources are the organization's own pages or government sites; only 8 sourced values, so the entry is thin.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"On 2026-10-13 convergentusa.com redirected (HTTP 301) to tsico.com, the site of Transworld Systems Inc. (TSI). TSI completed its acquisition of Account Control Technology Holdings in June 2021, and trade press reported that ACT owned Convergent Outsourcing, Inc. We found no notice on TSI's site about Convergent accounts, so confirm with the collector named on your letter. CFPB complaints still appear under \"Convergent Resources, Inc.\".","warnings":[]}},"escalation":[{"index":0,"rung":"written_complaint","note":"Dispute in writing within the validation period, at the address on the validation notice.","channel":{"id":"tsi-contact-form","type":"web_form","label":"TSI consumer contact form (written complaints)","value":"https://my.tsico.com/contact-us/consumer","purposes":["debt_collection","credit_report_error"],"notes":"TSI says not to include payment card or bank information in the form.","source":"https://tsico.com/consumer-support-hub/","last_verified":"2026-10-13"}},{"index":1,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":2,"rung":"regulator","regulator":{"id":"ftc","name":"Federal Trade Commission","level":"federal","when_to_use":"Report fraud, scams, identity theft and unfair or deceptive business practices, such as a company that blocks cancellation. The FTC does not resolve individual cases, so pursue your refund with the company, your card issuer or a state agency at the same time.","channels":[{"id":"reportfraud","type":"web_form","label":"ReportFraud.ftc.gov","value":"https://reportfraud.ftc.gov/","purposes":["fraud","unauthorized_charge","cancel_service"],"notes":"For fraud, scams and bad business practices.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"identitytheft","type":"web_form","label":"IdentityTheft.gov (identity theft report and recovery plan)","value":"https://www.identitytheft.gov/","purposes":["fraud"],"source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"donotcall","type":"web_form","label":"National Do Not Call Registry (unwanted calls)","value":"https://www.donotcall.gov/","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"consumer-response-center","type":"phone","label":"Consumer Response Center (1-877-FTC-HELP)","value":"+1-877-382-4357","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"},{"id":"headquarters-mail","type":"mail","label":"FTC headquarters mailing address","value":"Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580","notes":"The contact page lists this headquarters address. Online reporting is the documented path for consumer reports.","source":"https://www.ftc.gov/contact","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The FTC and other agencies use reports to investigate and bring cases, but cannot resolve cases for individuals.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"},{"kind":"process","claim":"Reports go into a secure national database that law enforcement can use. FTC investigators, lawyers and analysts review reports to spot patterns and build cases.","source":"https://consumer.ftc.gov/consumer-alerts/2026/08/did-you-spot-scam-heres-what-do-next","last_verified":"2026-10-12"},{"kind":"process","claim":"After you submit a report, the FTC gives you steps to protect yourself or try to get your money back.","source":"https://consumer.ftc.gov/consumer-alerts/2023/04/reporting-fraud-101-protect-your-community-reporting-scams","last_verified":"2026-10-12"}],"notes":"The FTC collects reports; it does not mediate. A report number is still useful evidence for a card dispute or a state attorney general complaint. ReportFraud.ftc.gov was still the reporting path in an FTC consumer alert dated 2026-08-28."}},{"index":3,"rung":"state_agency","agency_kind":"attorney_general","agencies":"Ask for the person's state, then call find_regulators."},{"index":4,"rung":"small_claims"}],"security":{"official_domains":["convergentusa.com","tsico.com"],"never_asks":[],"known_scams":[],"report_phishing":[]},"credibility":{"grade":"B","primary_share":0.875,"sources":{"primary":7,"other":1},"verified_from":{"page":8},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade B (good: mostly official pages; check the flagged values before relying on them). 88% of 8 sources are the organization's own pages or government sites; only 8 sourced values, so the entry is thin.","dossier_last_verified":null},"dossier":null,"guide":{"key":"debt_collector","title":"Debt collectors and debt buyers — how disputes and complaints work","last_verified":"2026-10-13","file":"guides/debt_collector.md","page":"https://escalate.alexgaoth.com/#/guides/debt_collector"}}