Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: pursuant to 18 usc 8 i owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I filed a dispute with XXXX XXXX XXXX against a collection agency called LVNV collection agency original creditor was XXXX XXXX. I have XXXX accounts with this same creditor, XXXX account is XXXX Account number XXXX and XXXX XXXX account number ending in XXXX. The second account number is LVNV account number XXXX and XXXX XXXXXXXX account number ending in XXXX. I filed a dispute because XXXX XXXX XXXX XXXX XXXX XXXX settlement with them for a lesser amount. I provided XXXX and XXXX with the Settlement letter provided from XXXX directly stating that XXXX account number XXXX XXXX XXXX number ending in XXXX was originally {$670.00} and they agreed to accept {$310.00} per their letter to Beyond Finance. XXXX XXXX provided me the settlement letter and I sent over with my dispute that the amount is incorrect on my report and that I have made XXXX payments to this date and they are reflecting no payments and the amount owed is incorrect. The same exact thing was done with LVNV account number XXXX XXXX XXXXXXXX account ending in XXXX. The dispute was made, stating the amount is incorrect and payments are not being reflected on my accounts. XXXX sent me a response back stating the creditor told them they were reporting this correctly despite my documentation I provided. Regardless if they have the amounts incorrect they are not posting my payments which is against the law. I contacted XXXX to find out what the problem is and what documentation is the creditor providing to prove they are reporting correctly. They refused to give me that information so I asked if they actually provided documentation or did they just call them to ask if they were reporting correctly, they refused to give me that information as well. I then proceeded to ask them if the documentation I provided even mattered, and the said NO, it only mattered if the creditor stated they were reporting correctly. I explained that I provided a settlement letter directly from LVNV stating the agreement and it shouldn't matter what they say on the phone that I have it in writing and they are not reporting the correct information. They stated I needed to contact the creditor myself and that they can not do anything to change the report. I asked for a supervisor, they kept me on hold for an hour, the next person stated he was a supervisor named XXXX and he basically told me the same thing and refused to do anything about my report. I asked where they were located and if they were in the United States because everyone I had spoken to had very broken XXXX, and he refused to tell me if they were in the United States, he stated he did not care that I had documentation and that they believed the creditor over me but couldn't and wouldn't tell me if they have documentation to prove they were reporting correctly. I told him it is illegal for them not to be reporting my payments each month and he stated he did not care, and proceeded to talk over me. I then asked for someone over him as I contacted your office They hung up on me multiple times, and on the final call he put me on hold for a supervisor, another long call, the lady came on stated that I have exceeded my hold time and that I would have to call back? Who does that? Especially a company that is handling all our critical, vital credit information? All of this is recorded on their end but I doubt they will provide all of the portions of the call. Regardless they were unprofessional and were not abiding by the law because I have been making payments which were not reflected on the report which they must report every month, and the amounts were incorrect per LVNV 's settlement letter. I have attempted to contact LVNV 10 times today XXXX and left a message at XXXX Central time with the information and nobody has called back. I keep calling and they will not let you hold for a person longer than a few minutes and then LVNV disconnects the phone call. XXXX if their call center is not located in the United States we could have some serious security breaches because they have everyone 's social security information and basically everything about everyone, but if they are located in the US then they are extremely unprofessional with the constant hang up 's, stating my hold time has exceeded their acceptable hold time which is ludicrous because is that not what they are here to do is correct our incorrect information which brings me to the fact they basically disregarded my documentation from the collection agency that was written in their ( LVNV ) own words that there is a settlement! What else do I need to do to get my report corrected when I have documentation directly from the collection agency? XXXX does not care about our credit information as they told me on the phone. This is unacceptable from a credit reporting agency and very unprofessional for a company in general regardless. XXXX should not be handling people life long information if they are going to be that unprofessional!
Company Response:
State: OK
Zip: 74137
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am writing to you to express my serious concerns and dissatisfaction with the response provided by LVNV Funding LLC and Resurgent Capital Services L.P. to my original complaint filed with your bureau ( CFPB Case # : XXXX ). The response I received is not only unsatisfactory but also appears to contain misleading or false information, which exacerbates my situation and distress. Firstly, LVNV Funding LLC claims that they sent me a letter, which I have never received. Furthermore, there is no record of such a letter in the USPS mail tracking system, suggesting that the claim of sending the letter is false. This not only misleads the CFPB but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). Secondly, the lack of proper validation of the alleged debt, and the failure of the agency to provide clear and accurate information, has left me in a state of uncertainty and frustration. The agencies have failed to provide substantial evidence that substantiates their claim, making it impossible for me to take appropriate action or defend my position. Given these circumstances, I urge the Consumer Financial Protection Bureau to take a more in-depth look into this matter. The behavior of LVNV Funding LLC and Resurgent Capital Services L.P. raises serious questions about their compliance with federal laws designed to protect consumers from unfair and deceptive practices. I request a thorough investigation into their conduct and appropriate action to ensure compliance with the law. Furthermore, I seek guidance on how to proceed under these circumstances. The distress and potential harm caused by these unsubstantiated claims and the lack of transparency in their communication are matters of great concern.
Company Response:
State: FL
Zip: 34609
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom it may concern : Account Name : Lnlv funding You are reporting this collection as an " open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: Received an email from Resurgent Capital Services trying to collect on a debt owned by LVNV which purchased debt from Original Creditor. Email received every other day by Resurgent. From XXXX I have XXXX emails from a XXXX, trying to collect this debt that still hasn't been validated or verified by Resurgent. Resurgent/LNVN violates the, " XXXX in XXXX '' debt collection rule, which states that the debt collector may not contact you more than seven times within 7 days trying to collect a debt. Harassment tactics.
Company Response:
State: MI
Zip: 480XX
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: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am in need of help because I was sued for a debt I was unaware of, I was never served any papers or asked for a signature to validate the debt. I have been harassed by debt collector who continues to report a debt I have no knowledge of, sort of any nature. The debt collector has been removed from other agencies but continues to reappear on my transunion report due to no knowledge of holding such debt. I have looked up this law 15 USC 1692 which is the FDCPA in section 1692 it says A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection
Company Response:
State: PA
Zip: 19151
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: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: Received an email from Resurgent Capital Services trying to collect on a debt owned by LVNV which purchased debt from Original Creditor. Email received every other day by Resurgent. From XXXX I have XXXX emails from a XXXX, trying to collect this debt that still hasn't been validated or verified by Resurgent. Resurgent/LNVN viola tes the, " 7 in 7 '' debt collection rule, which states that the debt collector may not contact you more than seven times within 7 days trying to collect a debt. Harassment tactics.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). LVNV FUNDING LLC obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This account is furnished on multiple of my credit reports as a negative item and it has affected me as such.
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I got a bill from Resurgent Capital Services XXXX XXXX XXXX, XXXX SC XXXX tel : XXXX but the original creditor is XXXX XXXX XXXX XXXX, a utility company. This bill is originally in regards to an account someone opened up for utilities with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX This person committed fraud by using my social security number to open the account which was for an apartment in Texas. Ive never lived in Texas. Just California and Nevada. This is fraud. Please help I want this off my credit report.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A