Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX has continued to resell fraudulent debt dating back to 2017 to various collection companies and continues although the debt is fraud and every debt collector has received all my police reports over and over again. I just received a letter stating debt was sold to resurgent who also has circled back around. I just don't understand how this is allowed. This company really should be fined for violating consumer rights. I get notified daily on my credit and accounts added. Addresses wrong etc. The cycle continues to repeat itself.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with 15 u.s.c 1681-1684 I requthat this account be removed from my consumer report immediately
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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: I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX and XXXX are reporting an lvnv account to my report that is against fcra law. I was never given the option to opt out, never given charge off form 1099 and also have no contract with these people. This is a violation of 15 usc 1681i and 15 usc 1681s2b along with several other violations of 15 usc 6802 and 15 usc 1692g, 15 usc 1692e and 15 usc 1692f. If this illegal disclosure of fraudulent information is not removed legal action is imminent.
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: these accounts are FRAUD ... .... # XXXX XXXX XXXX XXXX IN, XXXX, XXXX XXXX XXXX, XXXX mississippi XXXX # XXXX LUNV funding LLC, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX & XXXX # XXXX
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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: On XX/XX/2023, I received numerous letters from Resurgent Capital Service ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: We have contacted collections multiple times in order to validate the account that is negatively impacting my credit score. Despite our efforts, we have not received any response from them, and as a result, I intend to lodge a complaint.
Company Response:
State: TX
Zip: 75042
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I doesnt know the exact date but on my credit report it shows XXXX. I had reported to the credit card company that my identity was stolen and I even told them that I wasnt financial stable to pay to receive a police report and I also explained this to a representative the representative told me to find a job so I could pay to get a police report at the time I was going through a XXXX XXXXXXXX. The company showed no remorse and continued to call about the debt I wasnt aware about.until the frequency phone calls early in the mornings
Company Response:
State: MS
Zip: 38701
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I received a judgment against me in the amount of XXXX for failure to pay an old debt ( I believe a credit card ). I unfortunately left this go thinking it would eventually go away, but in XX/XX/XXXX the company ( Cach LLC ) that filed the judgment, garnished my bank account in the amount of XXXX and at that point I decided I needed to take action to clear the debt so in XX/XX/XXXX, I entered into an agreement with their, then debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. to make an initial payment of XXXX and then 29 payments in the amount of XXXX with a final payment in the amount of XXXX. At the time of the repayment agreement, I was informed the amount to be paid would be XXXX. These payments were to automatically be debited from my bank account. The payments initiated and after the first 3 months, stopped. On XX/XX/XXXX a letter was sent to me from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX stating that Cach LLC ( the creditor ) placed my collection with this new law office but would honor my existing payment arrangement if I would contact them, which I did on XX/XX/XXXX at XXXX and spoke to XXXX XXXX who transferred me to XXXX XXXX who set up a new payment arrangement for me to pay XXXX each month for 24 months to pay the then current balance of XXXX. My account was finally paid in full in XXXX of XXXX. Upon request, I received a letter from XXXX XXXX XXXX, who was then the current collection agency, dated XX/XX/XXXX, stating my account was paid in full. That letter states that I paid a total amount of XXXX ( which is way more than the original amount being collected ). The letter also states that I can use it as a receipt for use with future credit inquiries, which I received in XX/XX/XXXX from XXXX XXXX XXXX XXXX, yet another collection agency retained by Cach LLC. This letter states I owe XXXX on the account for which I have a letter stating the account was paid in full. I called XXXX XXXX XXXX XXXX. on XX/XX/XXXX and was told to fax that paid in full letter to them which I did on XX/XX/XXXX at XXXX. On XX/XX/XXXX, Resurgent Capital Services sent me two letters stating they reviewed my claim regarding previous payments made on the account and after review they were unable to validate my claim. I am not sure if this is yet another collection agency retained by Cach LLC but I now feel as if they are harassing me and I am not sure why a paid in full letter would not be enough to validate my claim. I have paid way more to these collections agencies for this account than owed and I have not been able to settle this matter with Cach LLC through their many collection agencies, at no fault of my own. I have overpaid this creditor and they still keep coming after me stating I owe them more.
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A