Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I HAVE BEEN HAVING PROBLEMS WITH 3 COMPANIES FOR THE PAST 5 YEARS. I HAVE DONE EVERTHING THEY HAVE ASKED FROM ME. I HAVE SEND COPIES OF ALL THE DOCUMENTATION THEY HAVE REQUESTED IN ORDER TO HAVE MY ACCOUNTS UP TO DATE. I WAS A VICTIM OF XXXX XXXX FOR 20 YRS. AFTER MY XXXX XXXX XXXX AND HAVING MY TRUCK BURNED BY MY ABUSER I FILED FOR DIVORCE. THATS WHEN MY I STARTED GETTING DELINQUENT LETTERS FROM CREDITORS, REQUESTING PAYMENTS. I CALLED AND EXPLAINED TO THEM THAT IT WASNT ME WHO GOT THOSE MONEY LOANS, OR COMMERIAL LOANS, OR STORE CREDITS. I DID POLICE REPORTS AND SEND THEM TO EVERY SINGLE COMPANY AND THEY DENIED ME THE CHANCE TO CLEAR AND CLEAN MY CREDIT SCORE. XXXX SUED ME FOR 7 ACCOUNTS I WON 3 CASES BUT STILL PENDING 4 I KEEP CALLING THEM AND THEY HANG UP OR JUST HAVE ME ON XXXX FOR HOURS. XXXX XXXX HAS BEEN SENDING TEXT MESSAGES DEMANDING PAYMENT FOR 3 ACCOUNTS I ALSO SEND THEM THE POLICE REPORTS AND IVE HAD NO SUCCES THEY KEEP UPDATING MY CREDIT REPORT AND THEY KEEP CHANGING THE DATES ON THEM " LIKE WHEN ACCOUNT WAS OPENED " THEY DONT MATCH COMPARED TO THE CREDIT REORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IS DOING THE SAME THING REPORTING INFORMSTION THATS NOT CORRECT. AND XXXX HAS MY WRONG DATE OF BIRTH I HAVE REQUESTED THEM TO UPDATE MY INFORMATION AND THEY WANT ME TO SEND A COPY OF MY ID AND SS #, IM AFRAID TO SEND THEM MY INFORMATION DO THAT NO ONE LISTENS TO ME. I HAVE ALSO TOLD THE 3 CREDIT COMPANYS THAT THE INFORMATION THEY HAVE IS AFFECTING ME AND MY FAMILY TREMENDOUSLY. I HAVE NOT BEEN ABLE TO BUY A HOME FOR MY KIDS NORE HAVE I BEEN ABLE TO PURCHACE A VEHICLE SINCE THE LAST ONE WAS BURNED BY MY EXHUSBAND. I HAVE SEND ALL THEM COPIES OF THE POLICE REPORT STATING THAT IM A VICITUM OF IDENTETIY THEFT AND THE PERSON WHO OPENED THOSE ACCOUNTS WAS MY EXHUSBAND AND HIS SISTER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DONT KNOW WHAT ELSE TO SEND THESE COMPANIES TO MAKE THEM UNDERSTAND MY SITUSTION AND HOW IT HAS BEEN AFFECTING US , PLEASE HELP, ANY ADVICE IS WELCOME
Company Response:
State: TX
Zip: 78221
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The XXXX XXXX Resurgent Capital Services has unlaw placed a collection on my credit and I have no legal obligation under fair credit act law to pay them. They purchased a debit from another collection agency by the name of Frontline Asset Strategies. That had no legal obligation as well to collect on behalf of the Company by the name XXXX XXXX. This matter was disputed with my Attorney and the company refused to respond to my attorney letters that were sent to them twice. XXXX Resurgent Capital Services has not made XXXX attempt to notify me by us mail or phone to even informed me or my attorney on their attempts to try and collect on this debt. They just purchased the debt as third party and placed on XXXX of my credit report.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently pulled my credit report and seen that several companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I had spoke with the XXXX XXXX and XXXXXXXX XXXX because the amounts are inaccurate i never had a card over {$300.00} so i am unsure where the debt oXXXX XXXX XXXX comes from and then i explained that i had been frauded by my XXXX when i was ill then the lady died and all of a sudden i get out the hospital and i have these bills and debt on my credit cards that wasn't used they have a history of not being used to being maxed out. This has destroyed my life! Then the cable company XXXX ran my credit report I had an old account that with another company through a package deal for rental. The representative was supposed to cancel the bill they didn't they ran my credit then denied me, when i never applied for service. Then i have companies that I have not done business with on my credit report account i have never worked at a bank nor had those numbers i have had the same number for 10 years all these multiple inquires on my report where people are having my information ran in the system i keep trying to explain to them its not me the person that committed the fraud passed away not long after the incident in the state of ohio you cant file a police report on someone you know due to the law so it becomes civil
Company Response:
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am disputing the information being reported as a Collections account by LVNV Funding LLC ( " the Current Owner '' ), which was alleged to have acquired a Charge-off account from XXXX XXXX XXXX XXXX XX/XX/2020. I believe there are inaccuracies and violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in connection with this account. I would like to bring your attention to the following concerns and request a thorough re-investigation of this matter : Validation Notice and Verification of Debt : Pursuant to the FDCPA, I received communication from Resurgent Capital Services L.P. regarding this debt. However, I contend that the validation notice provided did not offer sufficient information to validate the debt as required by law. The validation letters I received lacked crucial information, and the information that was provided did not constitute proper verification of the debt. I kindly request that you provide me with the complete and accurate documentation and verification of this debt, as required by the FDCPA. For the following reasons : Lack of Contractual Agreement with XXXX XXXX XXXX : As stated in my previous correspondence, I have never entered into any contractual agreement with XXXX XXXX XXXX, the alleged original creditor for any such Charge-off account to exist currently or in the past. Wherefore, there remains no XXXX XXXX XXXX " Charge-off '' account existing on my credit report currently or in the past to report this false, inaccurate, and untrue information on my credit report to XXXX. Accuracy of Reporting to XXXX : The FCRA mandates that information reported to credit bureaus is accurate and complete. It has come to my attention that the account information reported by the Current Owner contains discrepancies and inaccuracies on my XXXX credit report. Specifically, the reported balance, payment history, and charge-off date differ from my records and research. I have even verified that no current charge-off for XXXX XXXX XXXX XXXX the alleged previous creditor, exists or existed on my XXXX credit report. I kindly request that you conduct a thorough review of the account information being reported to XXXX and delete any inaccuracies immediately. Communication Cease Request : I acknowledge that I previously submitted a request to cease communication regarding this account. However, I also understand that this does not absolve the Current Owner of their responsibility to provide accurate and complete documentation when requested. Do address the concerns outlined in this dispute and conduct a thorough re-investigation. Failure to Address Dispute : Despite sending timely disputes through XXXX, I have not received adequate responses or evidence that my concerns were addressed appropriately. I believe there has been a failure on the part of Resurgent Capital Services L.P. to address the disputed information in compliance with the FCRA. I request a comprehensive review of my disputes and accurate resolution of the issues identified. I appreciate your attention to these matters and your commitment to complying with both the FDCPA and the FCRA. Please provide me with a detailed response outlining the results of your re-investigation and any actions taken to immediately delete the discrepancies and inaccuracies on my XXXX credit report. I look forward to a prompt and thorough response within the timeframes mandated by the FCRA. Your cooperation in this matter is greatly appreciated.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: FDCPA 807 and 812 This company is In Direct violation. They have not provided anything that I signed with them a contract agreement a full account number or anything I asked for. Also I could not even open that PDF. If I do t get answers this will no go away it will get escalated. CFPB aid suppose to be there for the consumer there is no way this could be closed without me viewing any documents or explanation. I can not open the pdf to see what was said please resend so I can view what is there. The explanation pdf was a link to nothing I have proof they never responded with any information that was pertains to this compliant and CFPB is letting them get away with Fraud.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: .I previously a letter regarding this dispute on XXXX and was Originally disputed and requested investigation and no response. The below accounts : RC/Resurgenr Recievable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Acct # XXXX {$520.00} are in fact inaccurate and should be removed Immediately. ThIs account is fraudulently Reported under the following : CALIFORNA CIVIL CODE SECTION 1950.5 ( B ) CALIFORNIA PENAL CODE 530.5aPC 15 U.S. Code 1681i ( the following I have previously provided supporting documents for penal Code 530.5PC identity theft ) In view of the foregoing, I am disputing the balance shown in my report and requested an investigation of the matter in accordance with [ 15 U.S.C. 1681i ] of the Fair Credit Reporting Act, which states in part : ( a ) ( 1 ) ( A ) In general. The Fair Credit Reporting Act ( FCRA ) requires the consumer reporting agencies to investigate and return the results of its investigation to you within 30 days of Deletion of the account If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ( d ) and 1681j ].
Company Response:
State: CA
Zip: 94503
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV FUNDING- FOR XXXX XXXX {$2200.00} Opened XXXX, FRAUD, MULTIPLE DATES DISPUTED, AND MULTIPLE CALLS TO BOTH COMPANIES LVNV FUNDING-FOR XXXX XXXX OPENED XXXX {$1100.00} FRAUD DISPUTED MULTIPLE TIMES, CALLED MULTIPLE TIMES XXXX XXXX INVESTMENT FOR XXXX - {$1100.00} XXXX XX/XX/XXXX FRAUD MULTIPLE DATES DISPUTED, MULTIPLE CALLS XXXX XXXX FRAUD ACCOUNT # XXXX XXXX XXXX FRAUD ACCOUNT # XXXX XXXX XXXX FOR XXXX XXXX, MULTIPLE ACCOUNTS ( 6 ) Fraud DISPUTED MULTIPLE TIMES, MULTIPLE CALLS XXXX XXXX OPENED XX/XX/XXXX, FRAUD, MULTIPLE DISPUTES, MULTIPLE CALLS
Company Response:
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX 2022 an account was opened with XXXX XXXX Bank in the amount of {$2400.00} and was sold to LVNV FUNDING LCC collection agency. I have NO knowledge of this account, which was opened fraudulently. My dispute came back negative, with no means of communication.
Company Response:
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/2023 I was served papers from XXXXXXXX XXXX XXXX XXXX regarding a lawsuit in the county I live in. I contacted them and began making payments and have continued to make payments. I have requested multiple times information about the lawsuit and received nothing. In XXXX i received a letter from a Resurgent Capital Services about the account I am being sued for and I have reached out to them multiple times for information but have gotten nothing since XXXX of this year. I have continued to send payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX but not received anything from them either and I have tried multiple times to contact their office via phone but no one ever answers even if I try different options on their phone system that doesn't pertain to me. My questions are : Am I still getting sued? Am I sending payments to someone falsely representing my debt?
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A