I opened an account with XXXX Bank ( they are not even in Business anymore, they were sold to XXXX Bank years ago ) in the mid XX/XX/XXXX. I defaulted on that credit card in XX/XX/XXXX and the debt was sold to XXXX. I know this because of the statement I have now received from Convergent to collect this debt. They list XXXX as the creditor. I have not had any transactions on this account since XX/XX/XXXX. In Texas, you can not collect on a credit card after 4 years. I do not want Convergent adding themselves to my credit report 15 years after this debt was defaulted on.