Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Company Response:
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Resurgent, a debt collection company on behalf of LVNV Funding on behalf of XXXX XXXX, as of today XX/XX/23, is threatening to turn my account over to an attorney to sue me. Although the debt isn't 'very old " I didn't have another option to select for threats. I know that I owe the {$1200.00} for the XXXX XXXX credit card I had a few years back, so I am not disputing that information, however as a consumer I do know my rights and I do know what is considered illegal practices by a debt collection company and threatening to hire an attorney to sue is illegal. So, with that being said I am reporting this company to the CFPB for review. Additionally, they have only reached out via e-mail, I have yet to receive any paper documentation or phone calls from the company. If they have my email, they have my address and my phone number, I have had the same information for over 10 years.
Company Response:
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Contacted original creditor they were unable to validate my information under section XXXX My information was accessed with XXXX data breach this account coulda been opened with the result of that breach please seest and assist from contacting and reporting fraudulent account
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent 2 certified letter and several previous written letters to this company. The have failed to send me the contract agreement I have signed with them. I am not aware of ever doing business with them and they and the credit bureaus are committing fraud. I have nothing in writing stating I did business with them. Do to the FCRA this company and all 3 credit bureaus are in violation of my rights.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this should not be on my reports
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: After checking all 3 credit reports, I found an entry for a credit card issued through XXXX XXXX Bank that was showing in collections through LVNV Funding LLC. As I have no knowledge of this account, I disputed in with the credit reporting agencies. They said that the report will remain as they confirmed the information is valid through LVNV Funding, LLC. On XX/XX/2023, I wrote to LVNV Funding LLC stating that the account through XXXX XXXX Bank does not belong to me and that I have no knowledge of such an account. I then requested a complete copy of all documentation they had from XXXX XXXX Bank, proof that I authorized the account, copies of all receipts of purchases, etc. made, etc. I requested that the information be provided within 15 days or I would file a complaint with you. It's been 30 days since my letter to them and no response. The account they say belongs to me does not and they have not proven that it is.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV funding is resurgent collection. I have the two e-mails still to prove they closed my two collection accounts and canceled my two payment arrangements. I went to XXXX website but it takes me straight to resurgent capital services. They have no right to continue to report every month to my credit file if they have closed them. XXXX is lying in their responses just to continue to harass me and wrongfully report these two collection accounts. They still deny it even though I have sent proof. Just more XXXX of course they are going to deny harassing me.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no idea what kind of credit card XXXX XXXX XXXX issues. My identity has been stolen, I lost my wallet a few years ago & made a police report due to my debit card being used and cell phones being applied for under my social security number. I also had not been contacted about this debt nor had any knowledge until I pulled my credit report. Apparently, the debt was sold to a third-party company that purchased charged-off accounts in bulk for pennies on a dollar in hopes of collecting a debt. I have not been contacted before being charged off nor sold to this company. I will speak with an attorney if this debt isn't removed.
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuosly ask for.
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A