Date Received: 2024-01-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Resurgent is refusing to acknowledge that accounts XXXX and XXXX were opened as fraud. I did not open these accounts. A credit card statement isn't proof that I own the accounts. When these accounts were originally opened my XXXX year old son was the one that opened these accounts in my name without my knowledge. Therefore, I'm not XXXX my son. He's fixing to be XXXX and realizes the mistake he made. At the EOD I'm not responsible for these accounts nor did I ever use them cards. If I need to get an attorney I will in order to get these accounts closed.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am have a legal right to OPT OUT and I am now Opting Out off all reporting by these companies to my consumer report rule of law 6802.
Company Response:
State: NY
Zip: 12901
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not liable for this debt with LVNV FUNDING LLC, C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Phone # ( XXXX ) XXXX I disputed this account with XXXX 2 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said LVNV funding LLC keep saying is accurate and they won't provide them with any verification.
Company Response:
State: NV
Zip: 897XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company has refused to provide a copy of the purchase agreement, bill of same and the chain of assignment for the debt. A certified letter was sent to them in XXXX of 2023, the company chose to not respond and furnish unverified information to my consumer report.
Company Response:
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX speaks to unfair and deceptive practices both RC/RESURGENT RECEIVABL and LVNV FUNDING and XXXX XXXX are on my report damaging my report reporting without my consent on multiple bureaus. They are in violation of the privacy act of 1974. Youre misrepresenting our relationship as if we have a contractual agreement. Ive never signed an agreement with any of the mentioned three companies And It needs to be removed. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Looking through all the complaints for these companies you are willfully destroying peoples lives and preventing them from obtaining credit and its not right. Your reporting late payments on collection accounts that people havent agreed to, your reporting balances and transaction history on reports which is illegal! Youre a for profit company whom understands the more debt the more mistakes the more you report the more money you make and youre taking advantage of 1000s of Americans. Below in the attachments you will see the violations and how willfully they non comply to the FDCPA, because they dont care to as you can see one photo states meets FCRA REQUIREMENTS which lets me know there was no real investigation done.. collections are governed by the FDCPA.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have filed fraud for these charges. I have been the victim of repeated data breaches and personal attacks.
Company Response:
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is lorequested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractualobligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request forVALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: 2021 I was having medical issues with a XXXX XXXX XXXX and had problem making payments due to being out of work. XXXX XXXX offered a reduced amount that I couldnt afford. In return I asked for a reduced amount but paid in a monthly payment plan, to which the bank agreed. They wrote off the debt, closed my account and my access to it, and collected two months of payment. Then the bank stopped collecting my payments and wanted the charge off debt paid in full, not taking account of the payments Ive made. After reporting to XXXX, their claim was that my payments did not meet their original offer to which I never had agreed to. Every time Ive asked to have emailed or mailed copies of all the documents associated to my account and agreements Ive made, the bank refused. Ive called and emailed and still received nothing. Now after couple of years, they sold the debt to a collection agency, even though my debt has been wiped off my credit report and they never contacted me after my complaint to XXXX So now I cant get any documents from the bank and they refuse to communicate with me
Company Response:
State: WA
Zip: 98607
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have reviewed Account Number XXXX, managed by RESURGENT/LVNV FUNDING on my Consumer Report with XXXX. My findings have determined that there are definitive violations of federal laws, specifically under the Fair Credit Reporting Act ( FCRA ). These violations are as follows : 1. **Inaccurate Date of Account Opening ( Definite Violation of FCRA 1681s-2 ( a ) ) : ** The account opening date is listed as XXXX This is factually incorrect, violating FCRA 1681s-2 ( a ), which requires furnishers of information to report accurate data. Inaccurate opening dates directly affect credit scoring and the duration of the account 's appearance on the credit report. 2. **Missing Original Balance ( Clear Violation of FCRA 1681s-2 ( a ) ) : ** The report fails to display the 'Original balance '. This omission contravenes FCRA 1681s-2 ( a ), which mandates the reporting of complete and accurate information. The absence of such crucial data misrepresents the debt 's nature and extent. 3. **Unlawful Debt Re-aging ( Violation of FCRA 1681c ) : ** The 'Date opened ' and the record until XXXX XXXX suggest an illegal re-aging of the debt. This practice, which alters the date to make the debt appear newer, breaches FCRA 1681c that governs the permissible reporting periods for negative information. 4. **Misleading Payment History ( Violation of FCRA 1681e ( b ) ) : ** The payment history, marked inconsistently with 'C ' ( Collection ) and 'ND ' ( No Data ), is misleading. This violates FCRA 1681e ( b ), requiring credit reporting agencies to maintain accurate and clear information. Such irregularities in reporting can lead to misinterpretation of the account status. These factual violations not only infringe on the FCRA 's guidelines for accurate and fair reporting but also misrepresent the consumer 's financial standing. The consumer is entitled to dispute these inaccuracies, demanding an immediate investigation and rectification, including the correction or removal of any incorrect information. Persisting inaccuracies, despite these disputes, could lead to legal repercussions against the responsible reporting entities.
Company Response:
State: CO
Zip: 80104
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: An unauthorized auto-renewel for XXXX XXXX XXXX XXXX was charged to my XXXX XXXX account. Having a XXXX balance on this account, I wasn't aware of the charge until I received a past due notice. I called and spoke with XXXX XXXX and explained the situation. I paid for the " time used '' on the XXXX yr plan to date, and no longer had access to this XXXX service plan, but in the meantime it was turned over to XXXX XXXX I have gone round and round with XXXX, with actual reference numbers of phone calls and charges that I paid to XXXX XXXX and they will not drop this. This has been going on since 2019. XXXX told me " at this point, its about principal ''. I agree with them whole-heartedly, as I do not owe them any money because they stopped my service when I paid for the time used. Now it has been turned over to Resurgent Acquisitions where I can not actually speak to a real person. I do not know what else to do.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A