Date Received: 2023-08-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Date - XXXXXXXX / Amount - {$410.00} / Violations of 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & and fairness / 15 U.S. Code 1681 ( b ) permissible purpose / 15 U.S Code 1681 C2 / 15 U.S. Code for reinsertions/ Legal documents letters of Cease and Desist / Harrassment / Trademark, Copyright Infringement/ were sent and issued to company/ agency/ Never was given proper legal Notice of debt within 5 days / Never was sent name / address of original creditor/ Never was sent a statement informing me they were assuming the alleged debt to be mine. Illegal third party debt company without permission reported fraudulent negative unauthorized personal information to all 3 credit buearurs XXXX XXXX, XXXX.
Company Response:
State: NY
Zip: 13905
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: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: LVNV frauduently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. whom is may Concern, I dispute your claim and I am requesting validation from your pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA.
Company Response:
State: CA
Zip: 92557
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Not my purchases
Company Response:
State: CA
Zip: 90045
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: Threatened or suggested your credit would be damaged
Consumer Complaint: Every Day I receive a Letter Stating to pay this Debt That This Debt Collector States that i owe I contacted Resurgent 0n XX/XX/2023 telling them to not contact me still i receive letters 15 USC CODE 1681c My rights as a Consumer has been violated 15 USC CODE 1692 FDCPA I am a Victum of Idenity Theft My SS Number has been used Twice with the IRS and My Consumer Report has been Greatly Affected
Company Response:
State: OH
Zip: 43160
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I checked my credit report and saw multiple accounts reporting that I do not recognize. This is hindering my life and needs to be removed from my consumer report.
Company Response:
State: IL
Zip: 60639
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company called LVNV Funding XXXX XXXX XXXXXXXX XXXX, SC XXXX ph. # ( XXXX ) XXXX has flagged my credit report on XXXX, 2023. They are asking me to pay {$2300.00} for a debt on an account that I never had. I contacted them to dispute the charges and asked them to send me the original account holders info. After contacting the original account and verifying with them I have never had relations to them I then contacted LVNV again to inform them this is not my account.They told me they would send me an affidavit to sign, but instead reported a collection to my credit report the next day.
Company Response:
State: CA
Zip: 90016
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 was result of identity theft
Consumer Complaint: XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 To whom it may concern I am not satisfied with the company response for the following reasons I had addressed this issue in the past with XXXX XXXX XXXX I have sent notice this certified mailed to the company the company refused by sending letters by denying my negotiable instrument my intention was always to stay in honor when I am aware of this fraud the company still dissatisfied and decided to put the consumer in a stressful position by selling the information to resurgent capital this is a violation my understanding to this violation that there are rules and regulations they need to follow 15 U.S. Code 1666 - Correction of billing errors to my understanding XXXX XXXX XXXX never conducted an investigation neither provided documentations on how they conducted this investigation and instead it proceeded to sell my information to resurgent capital which now is sending threatening letters to the consumer which this is another violation15 U.S. Code 1692d - Harassment or abuse. Resurgent capital is posting negative remarks. on my consumer credit report in a very high balance which I believe is false I am holding accountable XXXX XXXX XXXX XXXX XXXX for damages and for selling my information to research and capital 15 U.S. Code 1692k - Civil liability which XXXX XXXX XXXX never provided the wet signature contract information and the permissible purpose at the time I asked for verification XXXX XXXX XXXX did not have any recent to sell my information neither to collect any money when I was always stay in honor. as a consumer I consider this 18 U.S. Code 894 - Collection of extensions of credit by extortionate means and since resurgent capital does not understand to cease and desist when asked by certified mail this law applies 18 U.S. Code 1341 - Frauds and swindles I was always trying to stay in honor I never deny paying.
Company Response:
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Date - XXXX-22 / Amount - {$720.00} / Violations of 15 U.S.Code 1681 ( a ) ( 1 ) accuraccy & fairness / 15 U.S. Code 1681 ( b ) permissible purpose / 15 U.S. Code 1681 C-2 / 15 U.S.Code 1681 ( i ) for reinsertions/ legal document letters of Cease and Desist / Harassment / Trademark , Copyright Infringement/ were issued, sent to company / consumer was never given proper legal Notice of debt within 5 days / Never was sent the name and address of Original creditor / Never sent statement informing me they assuming the alleged debt was mine, illegal third party debt company without permision to act as an authorized user on consumers behalf to report alleged fraudulent negative debt / personal information to all 3 credit beaururs XXXX, XXXX, XXXX.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
Company Response:
State: TX
Zip: 77063
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone used my information to open loans and credit cards and my credit dropped from XXXX to XXXX because someone used my information to apply for credit cards and auto loans which they are on collections now and even used my information for XXXX XXXX and XXXX XXXX XXXX and XXXX which I dont know how they got my information to do all that They have used my information for inquiries which hurts my credit and now I cant even apply for a loan or use my VA for loan due to this fraudulent activity on my files and I have tried to contact them to erase everything but they didnt. I need to get my credit score up and they need to erase all those collections and debts and inquiries because I had no idea how these got on my reports
Company Response:
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A