Convergent, XXXX. XXXX XXXX XXXX, WA XXXX, XXXX, has contacted me regarding a XXXX bill that was paid in full in XX/XX/XXXX. I participated in XXXX 's " Fresh Start Program '' in which I paid half of the balance and the remainder was forgiven. I have since moved and my account has remained current. This is an Unfair Business Practice which is a violation of the Fair Credit Reporting Act because : They are reporting an old debt as new or re-aged and ; they are furnishing and reporting inaccurate information.