Date Received: 2023-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft. I didn't open this account or give anyone else permission to open the account. I have been trying to dispute this account and didn't get anywhere. The account was opened fraudulently with different email address and phone number attached to the account, but they will not even give me access to the account and will not tell me any information on what was purchased or how it was used. But the card company harmful to my credit report. This is been going on for a long time now, and I don't feel that I should be responsible for the charges to the account I didn't open. Can someone please help me in this process.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been disputing an account with XXXXXXXX XXXX/resurgent for almost 4 years now. They are reporting a past due amount on a closed accounting {$1300.00}. There are three different dates of last activity. And I also have a paid in full statement.
Company Response:
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting that you take immediate action to remove this account from my credit report. I have previously asked for the information that I am legally entitled to according to FCRA on several occasions and you have refused to investigate my request. If the inaccurate account is not removed from my credit report, I am prepared to file a complaint with the Federal Trade Commission ( FTC ). This is a serious matter and I urge you to take decisive action to rectify the situation. You have already violated the Fair Credit Reporting Act ( FCRA ) by not marking my file as disputed, not providing me with a signature to validate the debt, and refusing to investigate my dispute. I expect you to do what is necessary to ensure that the inaccurate information is removed from my credit report. I want this item removed from my credit report, I'm also seeking a settlement of {$4000.00} for violating the FCRA. I have maintained careful notes and correspondence since the beginning of my disputing process.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: FACT, the truth in lending act is intended to inform consumers about the cost of credit. FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) XXXX Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt. FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that XXXX is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. IN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS LVNV AND ITS AFILIATES HAVE SENT ME 3 LETTERS WITH DIFFERENT AFFILIATES ( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader XXXX XXXX XXXX XXXX Section ( XXXX ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt. abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem. A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. And for these reasons under the law, you have violated my rights several times. I've never had any contract or have NEVER done business with your company, nor will I ever do business with your company, I ask that you validate this dept I need the date and time this account was opened, all documentation concerning this account, any signatures in my specific hand writing the date closed and the date that this account was charged off also I didnt give you my express written permission to contact the credit bureaus about this account under the FCRA 15 USC 1681 A ( 4 ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITY WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY 15 USC 1681 A permissible purpose of Consumer Reports and the general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates. collectors are not allowed to contact third parties to discuss a debt unless they will give him express consent by the debtor the only reason they may legally contact a third party is to attempt to locate the individual who owns the payment they may also not contact repeatedly or harass these third parties you guys at source receivables management are in clear violation of my rights as a consumer I gave no written instruction two you guys to write anything on my credit report therefore you have 5 business days from the receipt of this affidavit to remove any remarks that you have put on my credit report and delete it expeditiously if you do not remove any remark that you have placed on my consumer report you will have to pay me {$5000.00} for not following the instructions in this affidavit and within those five business days I expect to receive all the documentation regarding this account which is clearly not mine 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX is in clear violation i have not given them permission to contact me and they are deeply harassing me using affiliates to continually bombard me with collection letters for a dept that is not mine LVNV FUNDING IS AN AFFILIATE which is currently on my credit report negatively as are others as well
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-08-24
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 paid
Consumer Complaint: In XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX to collect a debt for the amount of {$960.00}. This debt did not belong to me. I paid the debt but it remained on my credit report. I then requested a letter of satisfaction. I received the letter dated XX/XX/2022. I disputed the debt through XXXX. The debt is still showing up on my credit. Resurgent is now trying to collect the same debt.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Requested that LVNN Funding provide contract with my authentic signature that started this alleged debt. LVNV Funding only provided computer screen print-out and monthly bill statements which are unacceptable. LNVV Funding conducted unreasonable investigation. Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response. LNNV Funding has continued violating the law through intimidation, deception, and illegal debt collection. LVNV Funding are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX ARE SHOWING ACCOUNT VERY ODD ON MY CREDIT REPORT TWICE! RUNING MY CREDIT WORTHINESS WITH IS A VIOLATION TO MY RIGHTS! THIS ACCOUNT DOES NOT BELONG TO ME SEND VALID DEBT VALIDATION WITH WET INK SIGNATURE AND FULL CONTRACT I DID NOT GIVE CONSENT TO PURCHASE ANY OF MY PERSONAL INFORMATION ACCORDING TO 15USC 1681 1(A)(5)(A)(I)
Company Response:
State: IN
Zip: 46815
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
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: There are ( 2 ) collection appearing on my credit report by LVNV Funding. One seems to be from XXXX XXXX and another for. XXXX XXXX I am not sure how the XXXX XXXX appeared again as it was disputed before and removed. These accounts do not belong to me. The address that they are reporting to the credit bureaus does not match mine ( its missing XXXX XXXX XXXX ) on both. My identity was stolen and this could possibly be apart of that. Ive submitted documentation previously to support that and it still has not been removed. Ive also requested the contract, a copy of my ID, and address verification that this company is using to support the verification they are providing the credit bureaus. I have not signed and or submitted either of these items to the businesses so I am not sure how they are verifying its me. These items needs to be removed from my credit report immediately. I am very frustrated! This has impacted my credit greatly. Please remove, Thank you
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the Fair Credit Reporting Act 15 USC 1681, 602 A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services immediately.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear Sir/Madam, I am writing this complaint to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process. Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by LVNV Funding raises legal concerns about its validity. I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and LVNV Funding continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, LVNV Funding may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act. I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents. 2. Proof of the legal transfer of this debt and ownership for collection. 3. A copy of the agreement or contract related to this debt. Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel. I anticipate your swift attention to this matter to ensure its lawful resolution. Sincerely, Account Name : XXXX XXXX Account Number : XXXX
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A