Date Received: 2023-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC # XXXX is violating my consumer rights by reporting negatively on my credit report. This is a direct violation of my consumer rights!! They are debt collectors not licensed in the state of Florida to collect debt, I've asked accounts to be removed by both credit bureaus and LVNV FUNDING LLC both have failed to removed the erroneous account from my report. This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating consumer my rights. I'll also be reporting them to the FDCPA as well.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX Cards which is reporting a charged off account of in the amount of {$15000.00}. XXXX reporting a charge off account for amount {$17000.00}. LVNV Funding LLC is also reporting a collection in the amount of {$10000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
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: In accordance with the Fair Credit Reporting ACT Resurgent Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These companies are reporting on my credit without a my consent.i have no contract with these company.they are violating my consumer rights
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account is over six years old and has been disputed and removed successfully repeatedly for years. It keeps showing up under different collection agencies. I even tried contacting the original creditor and they keep referring me back to " whomever the collection agency is ''. No one has been able to send me verification or documentation of the original debt. Attached is emails showing prior collection attempts prior to " open date '' currently being reported to credit agencies. ( stating opened in XXXX but collection attempts show as early as XXXX which means the reported account would have to be as old as XXXX or XXXX originally )
Company Response:
State: LA
Zip: 70460
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a complaint with cfpb on XXXX XXXX against the Resurgent capital services for reporting an account that did not have no identifiable identification to be attached to me, the company received my State issued picture ID showing my exact legal name, physical address, Date of Birth and social security which clearly did not match with the account holder that they are reporting it under my name, the Resurgent capital responded to my complaint by addressing my name correctly as XXXX XXXX but claiming me as the owner of the account that clearly on their 50 plus computer generated statement that they provided to CFPB that non of those page had nothing to identify me as the rightful owner of the account and therefore the company is not able to provide me a validation of this debt that can identify me as the account holder and by the law they failed to provide debt validation and have be removed. Please see the attached documents.
Company Response:
State: TN
Zip: 37055
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' 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. LVNV FUNDING LLC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, LVNV FUNDING LLC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And LVNV FUNDING LLC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. LVNV FUNDING LLC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XXXX the XXXX I was garnished from my XXXX XXXX XXXX XXXXXXXX account for {$1900.00}. I also was charged a fee for this, for the amount of {$120.00}. I was garnished by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX ph. # XXXX ( a collection agency for XXXX XXXX credit card ). I checked my credit score a month later. I noticed that the debt was still there and increased. So I called XXXX funding to see why I still owe and how the balance increased when it was deducted from my account a month ago. The agent who works for them named XXXX XXXX is who I talked to and she told me that I was getting charged interest until XXXX XXXX XXXXXXXX released the money to them so I called XXXX XXXX XXXXXXXX to see why they haven't released the money and they said they sent the papers they needed to send back to XXXX funding and they haven't got back with them they both keep telling me the same thing and it's been 2 months now going on three and I have been charged {$300.00} more dollars and the money has already been taken from my account on XXXX the XXXX. The bank called them and they said they haven't received the form from the bank and the bank told them they needed to look to see cuz they had sent XXXX forms then the lady found the form and they still are charging me entrance and when I am trying to talk to them they are getting real rude and just prolonging this process and the meanwhile charging me interest and saying they haven't received the money and XXXX XXXX XXXXXXXX is telling me they have did they part they're waiting on XXXX XXXX.
Company Response:
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is not an authorized account or card Nor is there permissible purpose
Company Response:
State: CA
Zip: 90240
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
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 XXXX. I am not responsible for this debt from LVNV FUNDING LLC.
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A