Date Received: 2023-05-25
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Constant harassing calls, showing up aty door step, at my work and asked to stop and still kept harassing me
Company Response:
State: AZ
Zip: 85032
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 information incorrect
Consumer Complaint: Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. sincerely, XXXX XXXX XXXX
Company Response:
State: SC
Zip: 296XX
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Original Creditor : XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX XXXX XXXX XXXX This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX that the debt is the result of identity theft. I Never opened a credit card with XXXXXXXX XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX : I have attached to following documents FCRA 615 ( g ) ( 2 ) FTC Notice to Furnishers of Information FTC Identity Theft Report Police Report ( Pending Deputy Signature )
Company Response:
State: FL
Zip: 32818
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: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I believe LVNV is targeting my data they continue to add accounts even after I have let them no I have no contract with them and have no interest in further communication. They are illegally reporting to my consumer report and using illegal debt collection methods. They are violating data and privacy laws. All of this is being done outside of law permissible purpose and is a violation of my rights as a citizen. It all reports are not removed I will be forced to sue under glba fcra and fdcpa. I have contacted legal counsel and they advised me to send this notice. Consumer reporting agencies also have duty in reporting my data in am ready to hold all parties responsible.
Company Response:
State: MI
Zip: 48227
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please see complaint # XXXX LVNV ( Resurgent ) has since closed the account however, they have not reached back out to the courts to have the case dismissed. This is a violation, as this organization is attempting in every way to tarnish my reputation, and my credit behind something I did not do. Once LNVN ( Resurgent ) closed this case on XX/XX/2023 this should have filed to have the case dismissed and the motion removed from my record, however they have not, and the courts advised me that they would continue to proceed UNLESS LVNV ( Resurgent ) files the proper request. Now some ran to the courts when my identity theft claim, was filed to try and file a claim to sue me. I going to need LVNV to have that same type of energy and going and submit to have that claim closed and removed from my records.. Otherwise I asked that they be fined and or I will file a civil suit for defamation of character, mental anguish for the amount of time and energy I have had to spend behind something that has been classified as identity theft.
Company Response:
State: TX
Zip: 75038
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: Threatened or suggested your credit would be damaged
Consumer Complaint: LVN and XXXX XXXX are in violation. XXXX is where I have made multipule disputes and XXXX states its verified. I have requested validation as well as the buyers purchase agrements. I have recieved nothing. It has been over a year. They by law have to be removed if not able to supply validation.
Company Response:
State: OH
Zip: 455XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account showing that are current collecting agency reporting on my credit that i never done business with, wrong personal information.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent ID : XXXX Resurgent ID : XXXX Resurgent ID : XXXX Resurgent, also known as LVNV Funding LLC has reported unverified debt amounts in my name to each of the three credit reporting agencies, preventing me from renting a place to live, yet has not provided the debt verification I need. They only sent a significant number of letters stating that my claim is not valid, in response to my request for details of how the charges were arrived at, and the last statement of total amounts due, stating that is all they legally had to provide me. I dont owe these inflated amounts of money. I finally resorted to mailing them a request for debt settlement request for each of the above accounts. I was ignored as always. I only offered settlements because I saw it as my only way out to get these off my credit report and out of my life. Now, I understand this is extortion, and I should not pay them anything until they tell me the details of this debt. I have included copies of my initial disputes in an effort to gather the necessary information. I will add a folder of their communication to me when I get home today ( XX/XX/2023 ) If I am allowed to do that. This is urgent as they now threaten to sue me even though they wont let me see my records. In each case, I filed my dispute within the allowed time frame.
Company Response:
State: IL
Zip: 60134
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent capital services is attempting to collect debt not owed to this company. I have contacts this company numerous times via phone, letter. This company refuses to remove debt from credit reports.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: This company originally owed to XXXX but now owned by LVNV Funding LLC. is non stop calling my phone leaving harassing messages Showed up at my house this morning threatening my brother
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A