Date Received: 2023-05-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is about the Consumer Credit Transaction with your financial institution executed by way of signing an Agreement. As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' I demand you Cease and Desist from disclosing my " nonpublic personal information '' to all " nonaffiliated third parties '', which includes XXXX, XXXX, and XXXX. The provisions of USC 6801 ( a ) state " 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. '' Please be advised that I have not given your company which is a consent to share my " nonpublic personal information '' and if there's a nondisclosure clause in your contract/agreement giving you that option to share my " nonpublic personal information ''. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. IS USC 6802 ( B ) clearing states that * A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. USC 6802 ( B ) 1b " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' IS USC 6802 ( B ) Ic " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : My rights are being violated 15 USC 1692d ( 1 ) Any bad debt furnished on my report is ruining my reputation and is a defamation of character. Pursuant to 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Also pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter. Sincerely XXXX ; XXXX
Company Response:
State: MN
Zip: 55033
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC And Resurgent Capital Services Dates of XX/XX/XXXX - XX/XX/XXXX Reports inaccurate Information regarding Debts Non Confirmed nor Verifyed. Also Resurgent Capital Services. Employes Deceptive Tactics towards Me Such as Harassing Calls From Restricted Phone Numbers that have no call back number. & Robotic unsolicited text & calls. Even if blocked. Also call 7 times in row in one day from Automated Phones.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
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: After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.
Company Response:
State: CA
Zip: 95688
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: After receive a default judgement from this company on XX/XX/XXXX, I started to do some research and found that the company has filed several small claims law suits on me without proper notification. I recently sent the company a debt validation request and the information that I received was not the proof of evidence that I requested. I request for the company to send me a signed contract or agreement bearing my signature indicating that I agreed to make payment to them or I even owe the debt. However, I did not receive the documentation I requested. I was sent credit card statements instead. What is more disturbing is I found a court document on XXXX Co. Clerk of Courts website with a signature forgery. I didn't signed this document and has never seen it before XX/XX/XXXX. Nevertheless, someone signed my name to the document and filed it with a court of law. This company has committed fraud against me and I will be filling a complaint with the XXXX and the Office of Attorney General. I am further contemplating contacting a law to represent in a case against this company and it's affiliated partners for unethical and unlawful practices.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX XXXX FOREVER. I am not responsible for this debt from LVNV FUNDING LLC. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
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 in counting and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 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 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 accounts listed IMMEDIATELY! LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 2 years ago an account from XXXX XXXX showed up in my credit report, I contacted the source and through internal investigation it was discovered as fraud and I asked them to close the account and report to credit agency of their finding and they did and remove the account and I put fraud alert on the reporting agencies. fast-forward to 2 months ago I got the annual report and the collection LVNV Funding / Resurgent Capital showed up. after contacting the company I discovered that the original creditor ( XXXX XXXX / XXXXXXXX XXXX ) have sold the account to this collection company. I notified the collection company in writing providing them with my personal identification and asked them to provide me with verification of original contract/ agreement / statement or anything that would be connecting me to this debt ( please see attached documents ) they have not provided me with nothing other than some computer generated statement and credit application that does not match with any of my personal ID such as date of birth, address, employment, driver license. 15 U.S Code 1693f and 15 U.S Code 1692g- validation of debt and 15 U.S Code 1692j -Furnishing Certain deceptive forms, this collection company are in violation of the many U.S Code Chapter 41, Subchapter 1692g.
Company Response:
State: TN
Zip: 37055
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I started receiving emails from a Resurgent on XXXX XXXX 2023 about a payment has been received for a XXXX account Ending in XXXX for an amount of {$620.00}. And now a company LVNV Funding LLC has this acount. This account is over 18 years and I have not made a payment nor know about this accouny as it is not on my credit report or any other creditworthiness documentations. How can someone make a payment or whatever they said to pop this up to say this is owed.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a letter from Resurgent Capital Services alleging that I owe them a debt. I have never heard of this company or did any business with them. The letter they sent me included multiple violations of my consumer rights. 15 U.S. Code 1692 ( c ) ( a ) Communication in connection with debt collection. 15 U.S. Code 1692b ( 2 ) - Acquisition of location information. 15 U.S. Code 1692b ( 5 ) - Acquisition of location information. 15 U.S. Code 1692d - Harassment or abuse. Resurgent claims that they purchase the debt from XXXX XXXX XXXX. ( XXXX XXXX XXXX has been paid ). A letter of assignment was requested showing that they have been assigned to collect the debt and a validation of they debt, but the information was never furnished to me. Resurgent sold the debt and place the debt on my credit report without proof of ownership and a debt being owed to Resurgent.
Company Response:
State: NC
Zip: 27292
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have repeatedly told this company that I didnt open the credit card. Filed a police report and sent it to them. They wont remove it from my credit report and keep sending me letters about suing me.
Company Response:
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A