Date Received: 2023-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, i was notified on this site that LVNV uploaded a statement that did not verify the debt they insinuated that I owed. I have called their company and submitted letters in writing demanding the contract I in fact had with their institution and as of today, have not had any proof stating the contract they have for me and the {$800.00} amount Per 31 U.S. Code 3123 ( b ), 50 U.S. Code 4331, Public Law 73-10/HJR192 of 1933, 18 U.S. Code 1341 use of mail, along with 45 CFR 30.2. In closing I am holding LVNV accountable of not providing your organization proof of said debt with my wet signature and NO collection agency shall assume a debt on my behalf without proving and providing said wet signature contracts. And even still knowing they have no wet signature contract with MY information, under 15 U.S. Code 1681 ( b ), and lastly, 15 U.S. Code 1611
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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 account # XXXX, 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 a account without my written instructions. 15 U.S. Code 1681a - definitions ; rules of construction- exclusions -- - ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name, social, date of birth was used without my consent or knowledge, there are open collections, inquiries, car loans
Company Response:
State: CA
Zip: 92395
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: I am writing to address the collection activity by Resurgent Receivables, LLC on my credit report. I have noticed a collection account that I am unaware of and have no knowledge or obligation to Resurgent Receivables, LLC. Ensuring the accuracy of my credit report is important to me, as it reflects my true financial standing. I believe there may be an error or misunderstanding, and I am committed to resolving this issue. I kindly request a thorough investigation into the validity and accuracy of the collection account. I ask Resurgent Receivables, LLC to provide clear and verifiable documentation supporting the existence of the debt and my obligation to pay. During this investigation, If Resurgent Receivables, LLC can not provide sufficient evidence.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV FUNDING LLC has reported false and incorrect information on all XXXX credit reports, this is unprofessional for a company to falsely reported incorrect information on my credit report, I would like to have this false incorrect information to be removed from my credit report. The credit card was closed on XX/XX/XXXX with REVVI, I haven't opened any account with LVNV or XXXX on XX/XX/XXXX, I don't understand why this company would report incorrect information knowing that's its false.
Company Response:
State: SC
Zip: 29405
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Collection and charge offs keep coming back with different collector names. Original debts have been on my file more than 7 years already and keep appearing as new debt. This is violating my FCRA. I immediately demand them removed from all XXXX credit bureaus.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello.. im very stressed about debt on my credit report that im not aware of. Never dealt with that company and never owed them a XXXX!
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They started texting yesterday, XX/XX/2023 and I called to see what it was about and XXXX XXXX got verbal abusive and smart mouthed with me. I told him that I do not want to be contacted about this matter again. He stated he would be calling me everyday. Today, I received a call from him and I stated again do not contact me about this matter again. An hour later I received a text message from them. I stated stop to end the text messages. At XXXX today, I received another phone call from them.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I recently contacted the collection agency LVNV Funding about the " alleged '' debt for {$820.00}. I disputed the debt via certified letter and asked that they send me the verification documents certified mailed and the collection failed to verify the debt based on my request. They sent me a letter clearly stating that the documents enclosed were not from the original creditor XXXX did it bear my signature that I agreed to pay for the " alleged '' account. I furthermore DO NOT have a contracual agreement with any collection agency and request that the account be returned to the original creditor to resolve. According to my rights according FDCPA and according to 15 U.S. Code 1692g the proper channels were not taken in order to report the major credit bureaus. I have attached detailed copies of all correspondence and would REQUEST that this account be deleted immediately from all MAJOR credit bureaus in violation of my " consumer '' rights.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Was never informed about his collection account. I never received any information about this debt. I am supposed to receive legal disclosures regarding any debt a collector puts on my credit report.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A