Convergent Outsourcing, Inc. Convergent, Jefferson Capital Systems, LLC A collection from HSBC Bank which I have, nor had a account with HSBC. They're trying to collect $2,200.39 of which I have no idea what this is. Renton Washington

I know exactly how you feel about this bottom feeding a lying company.  Yesterday I got a letter from them saying I owed a $1240 debt so I contacted them and was told that I had to pay it or agree a repayment plan right away or it would go on my credit report as a negative account that is in collections.  I said to the forceful woman who wouldn't give me her name and told her I'll check my reports and call back.

Upon checking my reports I found they had already reported it as a collection account at Experian and Equifax as a debt from 1969 and trying to get me to pay for a supposed bank debt that I took out when I was only 12 years old and living in the UK lol.

So I phoned back and this time got a man who again wouldn't give me his name and explained all of what I had found out.  His reply was "we don't make mistakes like that and it's just you lying to try to wriggle out of a valid debt"  I then asked why they were trying to report a debt from 1969 as a new debt in collection on my credit report and he just hung up on me after telling me "you'll be the one who suffers from lying to us"!!

I have disputed both entries on my credit reports and I'll update this once I get an answer from the credit agencies.  But as I included proof of my age and location back in 1969 I expect they will vanish in short order.

I expected to be dealing with a company that would work with me to rectify a mistake of their making but it seems that all they are interested in is getting money from you at any cost even when you can prove them wrong!!

File a complaint with the California Attorney General who will follow up with Jefferson Capital Systems.  Let the California Attorney General know of the illegality of Jefferson Capital Systems actions.