Date Received: 2023-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been contacted by a company by the name resurgent about a web bank account ending in XXXX as well as a XXXX XXXX account ending in XXXX which are not accounts i have opened. I have tried to dispute them via credit karma twice and it has went no where. i believe these to be from fraud. and would like them both removed.
Company Response:
State: KS
Zip: 670XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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 XXXX XXXX XXXX {$840.00}, XXXX XXXX XXXX {$700.00}, LVNV Funding LLC, {$360.00} XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX {$230.00}, and XXXX XXXX XXXX {$230.00} has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX is in violations FCRA States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It 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 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 inaccurate.
Company Response:
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. Account info Account name XXXX FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX account. {$1.00}, 036 past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX 2027
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have received a letter and it has stated that they provided account summary and that is all they are providing as verification of said debt. I have requested may time that they provide me with payment history and my real signature on said contract. They have failed on numerous requests to provide this information. I have stated many times if this was my debt then why would I have 2 accounts with said original creditor if this is outstanding.
Company Response:
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been contacted repeatedly by this company about a debt I do not owe, I believe it is a scam email and do not want to contact the sender, nor click on any links. The company name that is contacting me is LVNV Funding LLC, the email that is continuously contacting me is XXXX XXXX
Company Response:
State: NY
Zip: 10308
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent Capital ServicesXXXX XXXX XXXX ( XXXX XXXX ) I have requested information from the creditor due to a XXXX XXXX credit card ( XXXX XXXX ) opened in XXXX and closed in XXXX. I have not used this credit card since than. They are saying I owe {$700.00} when I only had a credit limit of {$250.00}. They have also said that I made a payment in XX/XX/XXXX when in fact I did not, because of this, this is re- aging on my credit, continues to be sold to different creditors. The negative re-aging debt on my credit report is changing the delinquency status of all my credit reports, I have filed dispute after dispute and nothing has been resolved. I request that the harassments of text messages and phone calls stop, and this debt fall off my credit reports.
Company Response:
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with LVNV funding LLC and I want my money back. Was never given XXXX099-C for any of these debts. I believe these companies are committing tax fraud.
Company Response:
State: MO
Zip: 64050
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have asked LVNV Funding on several occasions to send me the original agreement and any documentation of owing this said debt. I have not received anything from them over the last year or longer. All I get is phone calls demanding payment.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They closed the account due to the fact I had multiple payments that returned even though I was up-to-date on my payment. Once they closed the account they let me know, I still owe the balance I told them great, I will pay it as soon as I can. Then they started with the bombardment of phone calls.
Company Response:
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A