Date Received: 2023-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX COMPLIANCE DISPUTE XXXX Data Furnisher : XXXX XXXX # XXXX. XXXX Date Opened : MISSING : XXXX Highest Credit/Original Loan Amount : MISSING XXXX FCRA Compliance/Date of First Delinquency : : MISSING INFO Recently I reviewed XXXX of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that OVER HALF THE ACCOUNTS DO NOT MEET XXXX XXXX compliance standards. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reported on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated! To Whom it Concerns, This cite serves as my Lawful consumer request for all claims of collections and derogatoriness be supposed or else wise revealed not only of the federally mandated requirement with the maximum achievable accuracy and maximum likely completion but equally in full accordance with the established standards of ethical lawful reporting. For any potential reported negativity, my demand is for any such still yet unproven allegation be absolute and well corroborated to its utter truth and facts, even certified as such. It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX an account with XXXX XXXX was discovered on my credit report and I disputed this account under unknown account as if it's fraudulent. I've submitted complaints with identity theft service and filed police report. XXXX XXXXXXXX is still not removing this account from my credit report
Company Response:
State: GA
Zip: 31792
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This is an extension of my latest complaint against Resurgent. In their response to the CFPB complaint " XXXX '' ( no last name ) from their compliance department left the " compliance contact '' phone number XXXX. I called the number and was then informed that " this is an attempt to collect a debt ''. No, that is totally inappropriate. I am calling a compliance department to discuss a violation. Anyway, the automated system then attempted to trick me into pressing various numbers that would falsely allow them to claim that the purpose of the call was to make a payment. When I finally get to speak to a rep, the rep says she needs to ask questions for security verification. Two of the security verification questions are variations of " do we have permission to contact you. '' So they are lying on the face of it again attempting to entrap me and then misrepresent the conversation in court later... totally inappropriate .... I decline, and then she refuses to speak to me unless I lift the cease and desist order. I give up. The next day I call again. Same bad faith response from resurgent. This time I speak with 3 seperate reps. I am informed that my case is " not being handled by compliance '' and they refuse to transfer me or tell me who XXXX is. They will not listen to anything I have to say unless I lift the cease and desist order, which they violated anyway, which is the purpose of the call. This is completely ridiculous and there is no way this is legal or moral in any society... I want to sue them. They have been illegally harassing me for months to pay a debt that I do not owe. Even the written response to the government complaint is in bad faith. This is so flagrant. Someone needs to go to prison over this .... They better not delete the voice recordings before the court gets to listen ... and who the XXXX is " XXXX ''?!
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SEC 602A States i have a right to privacy. 15 U.S.C. 1681 SEC 604A SEC2 Also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681 C. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report by more than 7years. 15 U.S.C. 1681 SEC2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not aware of this collection account. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response:
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: information on report is incorrect. the fraud alerts were where ignored XXXX XXXX company. companies that where reorted to fraud dept. where given access.
Company Response:
State: CT
Zip: 06457
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/2023, including supporting evidence, involving third-party debt collector ( XXXX ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/2023 resurgent sent details about my debt to my mother which I did not authorize. It includes my name and a link to their website that includes my name and the amount of my debt.
Company Response:
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: credit cards was open in my name fraudulently
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A