Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: You are in Direct Violation of The Fair Credit Reporting Act { Acoount Name & Number # }, has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open- end plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: TX
Zip: 76504
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX XXXX claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with LVNV Funding, LLC, c/o Resurgent Capital Services L.P . I DID NOT ASK for it nor are they privy to contract with me. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX has been negatively reporting on my credit report for 1 YEAR and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX only responds to my dispute with old bills from previous company. NOT THEM. And because the original creditor sold my account and information to LVNV Funding, LLC, c/o XXXX XXXX XXXX XXXX they violated the Privacy Act and is an automatic {$5000.00} fine, so therefore I DO NOT OWE LVNV Funding, LLC, c/o XXXX XXXX XXXX L.P. and original creditor anything.
Company Response:
State: NM
Zip: 88310
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: I was in college and had student loans and other loans taken out of my bank for {$13000.00} and is now messing up my credit and making it where I cant refinance my truck which I have a 23 % interest rate.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX XXXX and LVN funding llc has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX ( XXXX ). Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation
Company Response:
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Ive asked them not to contact me and remove all records from my consumer report. They are now sending communication to collect via mail. They are sending something that they are calling a validated notice which is not a validation letter. It doesnt contain my wet signature. This debt was written off XX/XX/2021 which means the company accepted a tax write off and this debt is no longer collectible.
Company Response:
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I gave them a cease and desist order on XX/XX/XXXX. Then I called to confirm that they received it because I received another piece of mail dated XX/XX/XXXX. On XX/XX/XXXX, I received two more pieces of mail dated XX/XX/XXXX.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this is not my account
Company Response:
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX Resurgent Capital Services called regarding a couple of debts I owed. XXXX was legitimate and we paid that bill, the other was for an account that is not mine, a debt that is not mine. This supposed debt is from XXXX, charged off in XXXX. They are trying to collect {$8200.00} for an account that is not mine, I never had any credit card at that time, but is also XXXX XXXX XXXX. I told them the debt is not mine and they sent it to review and immediately sent me a paper notice that it was indeed mine. At the time I was on the phone with them the woman advised me to file a complaint with the CFPB. They had also said all communication about this must be in writing now, which is fine. I sent back their form that I was still disputing it when the form and review letter arrived. My concern, besides the age of the debt, is that it is not mine to begin with. It shouldnt be on my records at all because its just not mine. They also still email and text me several times a day, despite having unsubscribed and asking to switch to paper for all communication. Thank you very much and have a nice day.
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A