Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX of this year I received a collection letter from XXXX XXXX XXXX XXXX and they provided the option to dispute the debt via email which I did. On XX/XX/XXXX I received 2 collection letters from Resurgant Capital. The first letter only mentions they will review my dispute on the second page and the second letter claims I must send the dispute in writing but in the initial collection letter it clearly says I can email which is what I did. I also requested not to be contacted and they sent 2 letters to me.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidential reality under 15 USC 1681. LVNV FUNDING LLC : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 : also states a consumer reporting 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 or 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 1681s-2 ( A ) ( 1 ) 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 in accurate.
Company Response:
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Resurgent is mailing my collection notice to my workplace where are mails are filter in order to make sure it go to the correct personnel relating to work assignment. I have inform them of the situation but they still continue to mail my personal information to my workplace.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I'm not liable for this debt with XXXX XXXX XXXX, and i do not have a sign contract with collection agency trying to collect, reporting on my credit file, they did not provide me with the original contract that was requested showing the bill of sale and payment history,
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have many attempts to ask for proof this is my debit
Company Response:
State: MI
Zip: 48601
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: every year i have to dispute the same debts on my credit report i send in the proof they will take it off then i will see it back on there ihave called them have explain twice a year this happens for the same thing have sent proof paid in full this have been happening for about four years have sent papers to all credit bureaus and to the company that keep doing this the companys that i owed was paid in full the company that say they bought the debts is still trying me to pay them i have not sign a contract with them lvnv funding the debts is paid in full ihave paid all the debts that i sign contract with not them i dont have a sign contract or any papers that i owe them it making my credit bad because of this
Company Response:
State: MO
Zip: 63701
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: every year i have to dispute the same debts on my credit report i send in the proof they will take it off then i will see it back on there ihave called them have explain twice a year this happens for the same thing have sent proof paid in full this have been happening for about four years have sent papers to all credit bureaus and to the company that keep doing this the companys that i owed was paid in full the company that say they bought the debts is still trying me to pay them i have not sign a contract with them lvnv funding the debts is paid in full ihave paid all the debts that i sign contract with not them i dont have a sign contract or any papers that i owe them it making my credit bad because of this
Company Response:
State: MO
Zip: 63701
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have paid the debt in full and was told it would be removed from my credit report. I have called the credit bureau and they said the collection company is LVNV Funding LLC. I paid the account off to Resurgent Capital Services on XX/XX/23 in the amount of {$1900.00}. When I called today XX/XX/23 to find out why LVNV Funding is still on my credit report I got a representative by the name of XXXX and they said they would even talk to me until I was verified. They wanted my SSN, address, and then a credit card. I gave them all that and then they told me they needed another card. I asked why and they said that they had to verify me. I said I have already given you all my information and one credit card. They then hung up on me. I called the number back and got the same XXXX and she said I had to pay to speak to her. I then said I wanted to speak to a supervisor. She said she couldnt unless I paid them money. She said she would only talk to me if I gave her more credit card information. When I call the number now it just keeps saying busy. The number I called I was given by XXXX bank of XXXX and they said I had to speak to them directly since my account has already been written off and sold to them. I am terrified now that it was a scam but why would XXXX give me a scam number?
Company Response:
State: AL
Zip: 35601
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A