Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: IN RESPONSE TO CFPB : XXXX Reference Numbers : XXXX ; XXXX To whom it may concern : As per my XXXX, XXXX, and XXXX credit report, RESURGENT AKA LVNV FUNDING obtained my credit file on XX/XX/XXXX. I don't recall applying for credit or employment with RESURGENT AKA LVNV FUNDING. From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the 1998 FTC opinion letter Greenblatt at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. Please respond via fax to XXXX. Sincerely, XXXX, XXXXXXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Company Response:
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed the claims of this collection debt many times. I have no knowledge of any of these debt collection agencies. I have only ever received one attempt at them confirming a debt, but that was a only a mailing of a statement with my name printed on it. I have not once seen any physically signed contract or agreement that these accounts were/are owned by me. Some collection agencies even resell the debt to keep it alive and on your record ( falsely and illegally ).
Company Response:
State: AL
Zip: 35611
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Someone used my identity to take out a XXXX dollar loan.
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Credit report shows inaccurate information of debt with incorrect addresses and dates. I have previously asked for verification of debt to which company only showed what they have on file which did not prove debt was mine or that the debt was owed. Even though the debt is over the statute of limitations, they continue to update and report debt to all three bureaus. Section 5 of the Federal Trade Commission Act ( FTC Act ) prohibits unfair methods of competition in or affecting commerce. I bring this up because the company has sent multiple emails stating the debt is on a " prelegal track '' which is a clear indication that they were prepared to sue when they can not due to statute of limitations. I request for this to be deleted off of my credit report on all three bureaus due to these facts.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX locked me out of my account online. For about six months I called them continuously about it and the issue was never resolved. I received paperless billing so I could never see my bill, interest fees or credit card statement. They charged me {$5.00} every time that I would call and inquire about any problems that I was having or to pay my bill. I closed my account and asked for my previous statements that would show all my fees that I have not seen in six months. They were unable to verify any of my debt. Since than my card has been charged off and sold to another company LVNV Funding LLC C/O resurgent capital services XXXX XXXX XXXX XXXX, SC XXXX XXXX. I am requesting that credit one and LVNV be deleted from all three credit bureaus due to inaccurate, incomplete and unverifiable information. My rights have been violated under the FCRA. I have contacted them and sent a letter, they sent me my last bill statement but I need to see my history of my account for the last year due to fraudulent charges. They were unable to provide me with this information. XXXX XXXX has been deleted from my XXXX account but not all three credit bureaus. Since it was deleted from one, they should be deleted from all three. Please see the attachment. I have also filed a complaint with the Better Business Bureau for fraud. XXXX complaint # XXXX.
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Company Response:
State: NY
Zip: 10454
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX issued a cresit card with a XXXX credit line. I NEVER applied or recieved this card and I have NEVER used this card. I have tried several time to talk to the original credit company and they did nothing but threatin me to put it in collections. I finally got them to close the account. I have asked for itimized statments from over 6 month worth of charges. I would have never known of this card except it showed up on my experian credit report. I am very consistant at looking at my credit and now they closed it out being a bad debt that lowered my score by XXXX points. This is FRAUD. I never applied and never used this card. And the company has NEVER sent me any requested information. They keep calling now that it is in collections and they yelled at me that I was a dead beat not wanting to pay my responsibilites. it is with RESURGENTS LVNV Funding LLC ref # XXXX for {$940.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Company Response:
State: MI
Zip: 49203
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account : XXXX, XXXX, XXXX, XXXX. XXXX XXXX XXXX Accout XXXX is a closed account showing Inaccurated information it's not being reported with all 3 credit bureaus LVNV FUNDING LLC this is a collection account that is showing Inaccurated information it's not being reported with all 3 credit bureaus Is in vilation of 15 U.S. Code 1666B, 15 U.S. Code 1681 Section 604 A Section 2.
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently became aware that 2 accounts from LVNV FUNDING LLC are showing up on my credit report. This is inaccurate and I believe you may have confused with another person. I would like this removed. I never received a letter stating the five-day rule to dispute these debts. How they report something to a credit bureau without contacting me or advising about rights?
Company Response:
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I received the first of several emails from a company sending me an unsolicited email stating that I have an account with them. I know that life is very busy, but I can't remember ever hearing of this company or furthermore given them any of my personal information or consent to contact me. I do not recall owing this company a dime and its highly probably that I have never contracted with this company. In order to resolve this confusion, I have requested VERIFICATION once again VERIFICATION of this alleged debt by all of the following items : 1 ) The original contract with wet ink signature 2 ) purchase order with terms and conditions 3 ) Name, address, phone number of the original creditor. 4 ) Aggregated value, forward floor agreement, itemized billing associated with alleged account with billing history. 5 ) Proof of ownership 6 ) Proof that this company is even insured and bonded to do business in Michigan. If the company can not satisfy these perimeters within the allotted 30 days, given by law, I can only expect for them to follow the federal and state laws that state that they promptly cease all collection activity. Refusal to do so will result in seeking of monetary relief for any damages incurred to myself or my family. Thank you for your swift action to help rectify this mistake.
Company Response:
State: MI
Zip: 49504
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A