Date Received: 2023-05-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The credit report information is incorrect These accounts have been closed # XXXX # XXXX # XXXX The account should be removed from my consumer credit profile This account should be removed from the three credit bureaus - XXXX - XXXX - XXXX
Company Response:
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV Funding LLC is unlawfully making attempts to collect a debt and currently reporting a collections debt of {$770.00} to credit bureaus. This is being reflected on my credit report. They are not licensed to operate in Delaware, my state of residence.
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
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: 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.C1681 Account with XXXX XXXX XXXX Account with XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. States I have the right privacy. 15 U.S.C 1681 section 602A section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which antedates the report by more
Company Response:
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: fraud alert and affidivast was sent regarding fraud, creditor have not responded to my dispute letters nor verified debt...
Company Response:
State: CA
Zip: 90062
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
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: This is a fraud claim against a dental firm. Their office burnt down and one of the owners stole all the insurance money in which I never received the XXXX XXXX XXXX and they made a FALSE CLAIM for a collection of @ XXXX - I NEVER RECIEVED THESE SERVICES. Not only that, she also didnt distribute any of the insurance proceeds to any employees and fired them! The false claim was reported to the credit bureaus by XXXX XXXX XXXX, XXXX. Now located at- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Resugent collection refuses to provide any records of any services THAT WERE NOT RENDERED.
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was improperly served a summons to court at my rental property to a tenant. Then I filed a court document to stay them off that I had to pay XXXX or something to file since I was out of town for the court date. They gave Resurgent Capital Services a default judgement even though I followed legal docs on time Claiming they didnt have anything. It was delivered to the court before the court date. The amount of the judgement is as shown in paper attached file. XXXX. After getting the judgement I phoned attorney XXXX office and spoke to Resurgent prior to filing and XXXX office offered me a payment plan of XXXX a XXXX until paid off. I accepted and have my bank debit permission. Later I found out on my credit report that they say I owe XXXX or so dollars after deducting XXXX. The initial line of credit for the XXXX account was only XXXX Why are they allowed to charge sick usery overcharges for no reason and without proper notice??? The lawyers at resurgent claim its allowed when I contacted them. Please make them change it to the original amount. Please see attached doc.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I made a settlement on XX/XX/XXXX with collection agency LNVN funding. They agreed to delete off report after paying balance. The account still say open after its been settled. I dispute it on XXXX XXXX 4 times. Each time the status came back as verified accurate but there has been no change. I reached out to collection agency LNVN and they verified it was paid off and apologized and said they did not report it to the creditor XXXX XXXX when it was paid off initially. They said they will let them know and it will be removed. Its still showing up as open although its been paid and disputed. I attached photos of the payment being received and confirmed. A photo of my disputes to XXXX XXXX and photo of the current status
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: There have been unauthorized disclosures of my personal identifying information. RC/RESURGENT RECEIVABL, XXXX, XXXX, and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am and will be invoking my rights to suretyship as subrogee/implied surety in a notice of subrogation and substitution to collect any and all chattels owed to me under the maxims of equity due to RESURGENT CAPITAL SERVICES making false claims against my Estate XXXX XXXX XXXX RESURGENT CAPITAL SERVICES has provided false and misleading documentation in an attempt to coerce payment for unjust enrichment. I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are multiple accounts & inquiries opened and being reported on my credit report that do not belong to me. I have took the necessary steps to contact these companies & the credit bureaus to advise that whats being reported is fraud & not accurate. I have made several attempts in disputing all inaccurate information being reported on my credit but there has been no resolve. I filed a police report regarding this matter in XXXX of 2022, I requested alerts be put in place on my credit as an extra layer of protection yet that didnt work either. This has affected my credit & score tremendously & i am now choosing to escalate this matter in hopes of it getting resolved right away.
Company Response:
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A