Date Received: 2023-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2022 - sent email to RESURGENT CAPITAL SERVICES To date, I have records of factual documentation where RESURGENT CAPITAL SERVICES has made absolutely no effort to rectify this situation and has continuously and very aggressively acted in bad faith to breach my personal and private data. Please see attached.
Company Response:
State: KY
Zip: 402XX
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: Information belongs to someone else
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! PYOD LLC, XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received multiple calls from XXXX XXXX. The rep had the last four of my Social Security Number and said that I was being sued in Federal court tomorrow. I never identified myself. I immediately told him not to call me again and to take me off their list. I hung up. The person called back twice more even though I told him several times to stop calling and to cease and desist, and that I was going to file a CFPB complaint. I had to block the number. The rep was beyond rude and kept talking over me and saying that I was being sued. He broke several FDCPA guidelines.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Approximately XXXX the Resurgent collection agency instructed a private XXXX XXXX XXXX seize my XXXX XXXX XXXX I Own since XXXX, without a notice. The debt collector refuse to send a validation notice and fail to respond to your verification letter.
Company Response:
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I ask that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 6. ( The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because neither of us was present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA. Also, you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you. 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection or to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail ONLY I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof. You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek l Monetary compensation damages for the violations you already committed.
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2022, I submitted a debt validation letter to LVNV Funding, LLC. I was submitted certified mail/return receipt. XXXX XXXX was the signature on the receipt. In the letter, I asked for the a copy of the Original Contract with my Name, Signature, Payment History and description of services. I informed them, in the letter, that if they could not supply that information to me in 30 or less that the FCRA states that this debt would considered unverifiable and should be removed from my credit report. I have not received any reply from LVMV Funding and am requesting this account be removed from my credit report. According to the credit report, the LVNV Funding, LLC account number is : XXXX XXXX.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: lvnv was trying to sue me i sent them a response by certified mail. lvnv refused to accept the letters, pictures show letters unclaimed and returned. later the case was dismissed by a judge.
Company Response:
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: The company is LVNV funding. I first became knowledgeable of this company in XXXX, early XXXX when they attempted to sue me and filed a lawsuit in Texas. This was not a state that I had currently lived in yet, but I had started to forward mail there as I was going to move there in XX/XX/XXXX. The address that I was moving to received the summons, and thats when lawyer started to contact me. After doing some research, a period of time has passed, I reached out to LVNV as well as attorneys All along Ive declared that this debt is not mine. When I called the courts, as time was closing in, they later, said that the case was dropped, and then maybe within a month or two it was deleted off my credit report, only to find itself on my credit again only a couple months later All during this. I had also applied for a passport, a US one, in which it took me nine months to get it, and which even the state department acknowledge that theres some identity theft going on with my particular name and information so clearly this had returned again with my identification issues, a previous issue that I had with someone who was utilizing my identity in XXXX, Oregon many years ago, not sure if this is the same exact case. At any rate, I have contacted this company multiple times and ask them to send a verification letter or validation of death or whatever language that is utilize so I can file a police report Ill go through the necessary steps because this is a {$3000.00} plus debt that is on my credit that is destroying my credit, now I have a couple other things that are on my credit that I own up to, but this does not belong to me I called them as recently as three months ago they said that they were sending out, then I called him two weeks ago and they said that they should be in 5 to 7 business days. So I didnt get it within the pre-5 to 7 business days so I reach out to them again today and they said that Ill get a 24 to 48 hours, I asked her do you have any record of it being sent out before, she said no. I am doing my best to work with this company to figure out what the XXXX is going on, pardon, my language, but this is ridiculous that they are slow responding for me to get this issue resolved, meanwhile, they have no problem every month reporting that this is debt when I know for a fact that this debt does not belong to me. I dont know what else to do, but these collection agencies should be held to a high standard in terms of going after people who have debt, especially when all Ive been doing, is trying to go through the steps that have been advised to me by multiple credit, bureaus and information on the Internet to get this resolved, if it was to be my debt that I could pay it, but Im not gon na pay for something that does not belong to me and could be an issue of identity theft, like the state department found out, and what happened when I was in college Like I said, I can own up to my debt that I owe as I have two other collections that are on my credit, as well as a charge off, I have seven credit cards that Ive worked very hard to improve incorrect my credit, but this account with this huge amount of that absolutely does not belong to me and I dont want it on my credit report if it does not belong there
Company Response:
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: The collection agency is called CACH , LLC. Several years ago, they sent me notification of collection for an account I did not open, or do not recognize. They claimed I opened a credit card with XXXX XXXX. When attempting to contact them for more information, they did not answer and did not return my message. They continued to send me collection notices but would not answer my attempts to contact them. I was then sent a summons to appear in court, and I remember the court date being for XXXX. Since they were not answering my calls, I wrote them to get the information about the account I allegedly opened. They did not provide any requested information and only responded that I have to pay the amount they require. Then I received notice that I lost the court case after not showing up in court in XXXX ; the court date had been changed from XXXX to XXXX and I was not sent any notification of this. ( " Playing dirty '' as the expression goes. ) In the judgement itself, they provided false information regarding the communication. Over the years since, they have sent garnishment notices to my employer. I have had money garnished from my checks and then refunded back to me ( apparent legal action against Cach? ), and then later garnishments started up again, stopped with no explanation, and start up and stop again. I have documented that at least {$950.00} has been garnished recently and stopped without explanation, and the judgement is still out there against me though I have not withheld funds. My employer does not have an explanation either. CACH still does not answer when I attempt to contact them. They are maintaining an unpaid judgement against me but are not continuing garnishments and are not showing any record of the funds they have taken.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A