Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have submitted multiple disputes with XXXX regarding inaccurate credit reporting from Resurgent/LVNV, with documentation showing that the reporting is inaccurate, however they have repeatedly validated the debt and refused to correct the reporting. This conduct is in violation of the FCRA as XXXX shares a duty to ensure the accuracy of the information reported to it by the creditor.
Company Response:
State: IA
Zip: 52803
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. Account listed under reinvestigation for weeks
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: credit account was closed in XXXX and written off. In XXXX it was resurrected and disputed. It was a different account number. Now it is in collections and reporting against my credit
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This is the 4th time I have tried to have the CFPB intervene on this 20 year old debt ( although I have never had an account with the bank mentioned in their letters ). They operate under multiple names but conti nue to pass it from one to another but it's clearly the same debt. I have asked them to STOP CONTACTING ME FOR ANY REASON so they simply contact me under a different collection agency name. I've attached 2 letters, sent under 2 separate collection agency names, the first dated XX/XX/2023, the XXXX XX/XX/2023, for a debt that is now 20 years old! The federal statue of limitations prevents any attempt to collect a debt anywhere near this old. In the event ANY of their agencies contacts me again, I have 4 other people who will join with me in a class action lawsuit to seek both a seek and desist order and any punitive damages the court will award.
Company Response:
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: They are trying to collect on debt thats suppose to been deleted from my credit files in XXXX. Its still showing on my credit files which is affecting my livelihood.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/XXXX, I pulled a copy of my credit report and noticed Resurgent/LVNV Funding reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I learnt that this company is a third party debt collector and I realize It might have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that Resurgent/LVNV Funding said that the account belongs to me and it was reporting accurately. At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Resurgent/LVNV Funding needs to verify the debt once I request verification. So on XX/XX/XXXX I sent a letter directly to Resurgent/LVNV Funding requesting verification of the debt. They responded on XXXX XXXX with a templated response stating that they are collecting on behalf of XXXX XXXX. I do not even every remember having an account with XXXX XXXX. As of the time of me filing this complaint. Resurgent/LVNV Funding is still on the 3 major credit reporting agencies. At this point all Resurgent/LVNV Funding did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response:
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A