Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon receiving my credit report I noticed some accounts that I didn't recognized and I made a police report and notified the companies. I asked via USPS on several occasions requesting validation of the debt that shows that I am indeed the correct person that opened the accounts. I have not received anything that I've requested. I know my rights and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advise I wanted to contact your agency for guidance.
Company Response:
State: GA
Zip: 301XX
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon receiving copies of my credit report I found a debt that does not belong to me. It is from XXXX XXXX and being collected by LVNV Funding LLC/Resurgent. I have other credit one accounts in good standing and therefore this debt is not mine. I have sent debt validation letters and received nothing in return from the company. I have also disputed it with the credit bureaus to no avail.
Company Response:
State: OK
Zip: 73132
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Sent correspondence to XXXX XXXX XXXX XXXX asking to validate the following account : XXXX XXXX XXXX was the original creditor. XXXX XXXX XXXXXXXX is the debt buyer. The actual collector for XXXX XXXX is Resurgent XXXX of which I never received notification asking to resolve the debt, notification came only from XXXX XXXX XXXX XXXX ( dated recently as XX/XX/23 ). They simply listed the amount owed as {$680.00}. The previous balance of {$620.00} ( the amount that should have been itemized had " Fees charged '' and " Interest charged '' added to it to reach total of {$680.00}. I am requesting full itemization that leads to the previous balance of {$620.00}. This would include items such as credit card charges, payments, or credits for example. I also feel that this account should be removed from any credit reporting until or unless full validation is given.
Company Response:
State: AZ
Zip: 85015
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: NOTICE OF DISPUTE! I had a credit card account with XXXX XXXX which was charged off after I asked the bank to show me the full accounting on my account. Now I have a collection on the Credit reporting agencies that LVNV IS NOW THE CREDITOR of this charged off account and has placed a collection status. I don't know this company, nor do I have a contract with them. They have defamed my character, slandered my credit and invaded my privacy! I know now that credit card account are non-transferable and non-negotiable. Please explain how this company I don't have a contract with can claim to be the creditor and try to collect on a non-negotiable, non-transferable account that has allegedly been charged off after I asked to see the books on it? Isn't that fraud? Doesn't XXXX XXXX have an obligation to me under T.I.L.A to show me what I asked for+ Since the debt wasn't created until I extended my credit doesn't that make me the Original Creditor in Fact? I know the CFPB just got a {$9.00} XXXX settlement from XXXX Bank for not complying with T.I.L.A and violating consumer rights like XXXX Bank did with me.
Company Response:
State: FL
Zip: XXXXX
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX my sister opened a XXXX XXXX XXXX credit card with my social security number and now they are trying to garnish my wages. On the court docket it has her old address. I never lived there. Its a total of {$840.00}. I reported fraud on XXXX XXXX & that I never lived at that address.
Company Response:
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A collection agency Resurgent is trying to collect a debt that they say I owed to XXXX XXXX ( or the new owner of the debt LVNV Funding ) I spoke to XXXX. They have absolutely no record of any debt I owe to them or a customer of theirs. The debt collector said they would mail me a written detailed explanation of the debt. They have not sent such documentation. The will only repeat that I owe to LVNV Funding which purchased a debt from XXXX. I receive daily emails harassing me about a debt that I have no evidence belongs to me. Here is the contents of one such email -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, First, I wanted to thank you for visiting our Payment Options page. Hopefully you had a chance to review all of the options available for you. That said, if you're experiencing financial difficulty and would like to discuss options other than what you saw on our website, please let me know. Even if you're not able to pay right away, I'm sure we can work something out. Hope to hear from you soon. Click here to review options Please review your account details below : Original Creditor : XXXX XXXX Current Owner : LVNV Funding LLC Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$410.00} View My Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team. Connect with us! Copyright 2023 Resurgent Capital Services, LP. All rights reserved Phone : XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence XXXX XXXX XXXX XXXX , SC XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Company Response:
State: NC
Zip: 27704
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I requested details for the notice sent by this organization. No response from them. I assuming this is a scam organization. They did not reply to my letter. Attached.
Company Response:
State: ND
Zip: XXXXX
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Response to XXXX I do not have no contractual obligation nor court order to pay any alleged debt to LVNV Funding LL. I never consented for LVNV Funding LLC to obtain my non-personal public information from any alleged 3rd party source which is identity theft and violation of the XXXX XXXX XXXX XXXX. Therefore LVNV Funding LLC has infringed on my privacy by furnishing negative information to my consumer report in their illegal action to communicate with me and to ruin my reputation. As a consumer, I have exercised my right and refused to pay this alleged debt and demanded LVNV Funding LLC to cease and desist communication in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c )!
Company Response:
State: VA
Zip: 22310
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Last year I lost my social security card, suffered identity theft, money was stolen from my bank account, unauthorized charges appear on 2 of my credit cards, 4 hard inquirys I never asked, card was opened fraudulently, they tried to steal my tax return and took out loans in my name, now a collection for a card I've never seen in my life XXXX
Company Response:
State: WA
Zip: 99163
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my daughter 's account, I was making the payments for her while she was going through XXXX XXXX treatments. The company somehow attached my name to this account and now it is showing on my credit report. I tried to dispute it through the credit bureau but was denied. I have tried reaching out to the company, but due to my daughter recently filing bankruptcy, they will not speak to me in regards to this matter.
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A