Date Received: 2023-06-08
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: Hello CFPB I was informed by my attorney that I could file a complaint on this site before taking action regarding FCRA and FDCPA violations against LVNV Funding and XXXX XXXX. I have the same issue with these two companies. First off, they are both harassing me regarding an alleged debt. I've been getting disturbing calls and its causing me so much stress. Second, I have tried disputing information on my credit report. They are reporting different dates across all 3 of my credit reports, such as date opened, date last active. Also the balance does not match the amount of the alleged debt they are trying to collect from me. I am tired of disputing these accounts, this is why I am reaching out to you because they claim to update the incorrect information on my reports but nothing has been fixed or deleted. This has been going on since XX/XX/2022 and I need your help to resolve this issue. Please reach out to these companies. I tried but they will not work with me in resolving # 1 the harassment # 2 the inaccuracies on my report. I also checked to see if they are licensed to collect in California and it doesn't seem like they are legally collecting here. Can you also investigate this for me? I do not owe this company any money. I have asked for verification with my signature and they have not provided anything that I am asking for. I hope to here from you soon. Thank you
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING has placed a fraudulent account on my personal credit report. I have not ever transacted business with this company. I have not ever signed a contract with this company. I have not ever received an advancement of money or credit from this company.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
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 stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: According to my credit report a loan under XXXX XXXX was originated on XX/XX/2020. The amount owed per Resurgent is XXXX, and per XXXX XXXX I supposedly owe only {$16000.00}. Due to non payment the loan was sold several times, and currently under debt collection agency named Resurgent phone number XXXX XXXX. I contacted both agencies who both agencies who were unable to provide me with proof of ownership for the loan. I specifically asked Resurgent on XXXX if they can provide proof/paper with my signature on it and I was told by them that they DO NOT have that information. I was instructed to reach out the the original lender XXXX XXXX XXXX ) which I did on XXXX. XXXX XXXX informed me they could not supply me with any documentation of ownership and only provided me with account # XXXX. Both my email and social security number were compromised and feel that both parties ( Resurgent and XXXX XXXX ) violated my rights. They couldn't provide me with proof of contract or that they have a right to collect on the debt. I was denied a breakdown of the billing, original ownership of the contract, a signature signed on the contract, and payment history. Neither company could or would provide me with this information. Therefore, I would like to dispute this matter and would like this item removed from my credit due to these laws being broken. 15 u.s.c 1681 ( 602A ) 15 u.s.c 1681 ( 604 ) 15 u.s.c 1681c ( a ) ( 5 ) 15 u.s C 1681 S2 ( A ) ( 1 )
Company Response:
State: FL
Zip: 32506
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was reported as identity fraud and it was sold from XXXX XXXX when acct charged off to LVNV Funding back in XXXX then I sent them my paperwork. I have tried to contact them and no action. I tried to go through the XXXX and XXXX to dispute but everytime this company states that the information is accurate. This company keeps reporting negative on my credit as a collection. The latest update was on XX/XX/XXXX. This company is till showing a balance on the collection acct for {$690.00} and also another account for {$990.00}. I have disputed this accounts at least 4 times to no avail. This account is illegally reporting this negative information on an account that is over the statue of limitations for collecting in Georgia. I have disputed this account from XXXX.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
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 very concern because my credit report is showing discrepancies. I am very cindered consumer and want only true information about me reporting under Section 623 ( a ) ( 2 ). If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Different date of last activity in every single credit bureau. Account status/account still open/Charge off account can not be open. Date account was opened the account is different. Last payment date is not accurate with the other credit bureaus Court house also dismiss this case. That must be delete from my credit report as soon as possible.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RESURGENT RECEIVABLES LLC how was this verified i didn't give them written consent. 18 USC 8 tells us ALL obligations are for the UNITED STATES, not the natural person. 28 usc 3002 ( 15 ) tells us the UNITED STATES is a federal corporation under the Judiciary Laws.
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had my identity stolen by person name XXXX XXXX XXXX from XXXX XXXX XXXX but lives in XXXX XXXX XXXX and another person name XXXX XXXXXXXX from XXXX Hawaii XXXX and made fraudulent accounts like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Plus LVMV funding llc
Company Response:
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
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: After requesting by certified mail that XXXX XXXX investigate and remove inaccurately reported items on my credit report, XXXX failed to remove such inaccuracies or provide evidence within 30 Days of how they verified the accuracy of these accounts.
Company Response:
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am being harassed when they have been legally advised to remove these collections from my XXXX credit reports I am a victim of identity theft
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A