Date Received: 2023-07-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: After reviewing my credit files with the credit bureaus, there was some inaccurate information being reported against me. I believe that I am a victim of identity theft because the account ( # XXXX ) with XXXX XXXX Bank which is now in collections and sold to LVNV Funding LLC ( reference # XXXX ) is not associated with and does NOT belong to me. My full legal name is XXXX XXXX XXXX. I have gone by XXXX XXXX XXXX or just XXXX XXXX. Those are the only names Ive used when applying for credit or in my personal life. My current address is : XXXX XXXX XXXX XXXX XXXX MO XXXX and I have been here since XX/XX/XXXX ( XXXX XXXX ) ; previously stayed at a friends house located at XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX ) ; and prior to that my home was XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XXXX XXXX to XXXX ( XXXX ). I filed bankruptcy XX/XX/XXXX and because the home I owned was in foreclosure proceedings, its ownership transferred back to the bank. Again, I moved from this address in XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. To establish validity and a clear timeline of events, in XXXX when this account was opened and credit extended/ granted, I was not living at XXXX XXXX XXXX XXXX. It has now been 7 years since that was my home. The places Ive resided at can be verified several ways thru address changes at XXXX, voter registrations, personal property assessments, tax returns filed and employment verifications. My primary and only phone is cellular ; the number is XXXX. My state ID was renewed and issued XX/XX/XXXX. I am including copies of my drivers license, assessment department address change completed in XXXX as well as XXXX personal property tax receipt proving current address. I began working at XXXX XXXX as a customer service representative XX/XX/XXXX and am enclosing a photocopy of my employee ID to corroborate my current employment as well as my hiring/ training correspondence including travel confirmation round trip with return XX/XX/XXXX. XXXX was XXXX weeks in XXXX XXXX TX. The above referenced account was opened while I was out of state. There is no XXXX XXXX Bank in Kansas XXXX. The account does not belong to me and I never opened or applied for credit with XXXX XXXX Bank, LVNV Funding LLC, or XXXX XXXX XXXX. The debt is not mine/ does not belong to me. I NEVER benefited or received any merchandise, products, or items including lines of credit, loans, or finances and NEVER signed for or accepted any goods or services since I did not conduct business with these companies. Please supply the address where the purchases took place or where items/ products were shipped to? Where was the credit card mailed to because I never received or used it? Arent creditors supposed to verify income and job and position/ title? What employment and salary information was given including home address and phone number at time of application when this fraudulent account was opened and credit was extended/ granted? Was there a photo id or signature verification provided? Was it done in-store/ in-person or online? What email was given? How are applicants qualified/certified and credit decisions confirmed/ substantiated? Id like some answers. I will be in contact with the Consumer Financial Protection Bureau and have submitted an Identity Theft Report through the Federal Trade Commission ( FTC Report Number XXXX ). I am disputing the FULL account in its entirety. I request that you prove this debt is mine or PLEASE delete/ remove this from my credit report/file immediately. Respectfully, XXXX XXXX XXXX
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX has deleted the payment plan I had set up and closed out the two collection accounts. But they are still doing me wrong by unfairly reporting these unpaid every month on my credit report. They are lying in their responses just to get out of being in trouble. They have removed XXXX account from my XXXX credit report but not my others.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX Resurgent receivable XXXX XXXX XXXX {$290.00} LVNV funding LLC {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states 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 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Company Response:
State: OH
Zip: 43605
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding LLC has violated my Consumer rights by illegally attaining my Nonpublic personal information and has furnished my Nonpublic personal information with third party affiliates with is a violation of 15 USC 6802... .Furthermore, this company does not have consent to use my Nonpublic personal information which is Identify Theft, I never signed any contract or have any agreements with LVNV Funding. LVNV does not have the right to furnish a debt with Consumer reporting agencies...
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/23, I received a collection letter from LVNV Funding/Resurgent for an amount over {$1400.00}, with no validation of debt. In less than one week, LVNV Funding has reported this collection to the credit bureau. I am not liable for this debt with LVNV Funding and I do not have a contract with LVNV Funding nor Resurgent. I do not have any knowledge of this account nor any proof that this account belongs to me.
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I called LVNV Funding about the threatening legal action letter that was sent to me.The representative was not being cooperative and i asked them to verify the debt and not to contact me again with threatening letters!
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company : XXXX. for XXXX. XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : [ XXXX, XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They reported a debt I never owed on my credit report I never owed. The company never gave a validation of the actual accounting of the debt, proving that the company will sustain an actual loss if the debt goesunpaid. The company never provided the identity of the original creditor.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I see on my credit report a derogatory entry that doesn't belong to Me, nor am I responsible for, nor have I received any money or goods from the creation of this unknown account. The date the account was opened was XX/XX/2020 and the fraudulent amount that I am not responsible for is {$740.00}. I haven't talked to the company however I have filed a police report and a identity theft report.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Resurgent Capital Services has been informed several times to stop contacting me via phone and email. I have disputed this several times in the best, in which, my consumer rights are constantly being violated. They have contact me via email and through phone several times. Also, emails that they are sending me do not have correct spelling of my name. The name they have on file is spelled XXXX. I have disputed that as well previously. The company has violated my FTC consumer rights and I would like them to be held accountable for the their actions. I have not acknowledged this debt at all and been disputing for over a year. I have police reports placed in my FTC that fraudulents acts were on my credit report. I have contacted my state department commissioner as well about the original creditor.
Company Response:
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Unknown XXXX credit card was opened on XX/XX/XXXX and closed XX/XX/XXXX with a balance of around {$2600.00}. The only reason I was made aware of this situation is because I was denied to take out a student loan recently. I did some investigating and found out I had a collection on my credit report that was preventing me from securing the loan. Since opening my bank account, I was only aware of the one credit card that I've opened through my bank. I've never opened any other credit lines through any other companies or banks. This is not my debt.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A