Date Received: 2023-04-16
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: A bunch of companies sold my information without consent
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT ON MY CREDIT REPORT Account name- LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account numberXXXX Date opened-XXXX XXXX, XXXX Account type-Debt Buyer Status-Collection account. {$430.00} past due as of XXXX XXXX. Status updated-XXXX XXXX Balance- {$430.00} Balance updated-XXXX XXXX, XXXX Original balance- {$430.00} Contact info Name LVNV FUNDING LLC Address XXXX XXXX XXXXXXXX XXXX, SC XXXX Phone number- XXXX XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL AND DELETION 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 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This account is in collection please provide me the original purchase agreement which includes the terms and conditions legally stating that I'm responsible for this account. Need this information in 30days or remove from my account.
Company Response:
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Notified company that accounts do not belong to me.
Company Response:
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am writing to request that LVNV Funding remove the negative credit reporting pertaining to a debt they claim I owe in the amount of {$890.00} from all of my credit reports. Despite numerous attempts to contact LVNV Funding by phone and written letters, they have failed to provide the required documentation to substantiate this debt. According to the New York City Credit Reporting Law, debt collectors are required to provide consumers with written substantiation of any debt they claim is owed within five days of initial contact. LVNV Funding has repeatedly informed the credit bureaus that this debt is valid without providing any of the required documentation. As a result, I have not received any copies of the debt substantiation that I have requested. Given the failure of LVNV Funding to provide proper documentation, I am requesting that they remove all negative credit reporting pertaining to this debt in the amount of {$890.00} from my credit reports. Furthermore, I request that LVNV Funding not sell this debt to another debt collector without first indicating that this debt has been disputed. Thank you for your attention to this matter.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NO CONTRACT WITH LVNV FUNDING LLC
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Resurgent Capital Services continues to report a debt that is harming my credit. Resurgent Capital Services refuses to prove that they own the alleged debt. Resurgent Capital Services has only sent a Bill of Sale which is incomplete and do not list any information that proves they own or purchased the alleged account. The Exhibit A they submitted to me from previous complaints is incomplete and does not list the alleged account they are attempting to collect on. This is false and misleading and a violation of Washington State Debt collection laws and Federal debt collection laws. I demand Resurgent Capital Services prove what authority they have to report this alleged account and prove consent to obtain and use my personal identifiable information to extort me out of money. I demand the FORWARD FLOW AGREEMENT/PURCHASE AGREEMENT a document that generally sets out the terms of the sale of the alleged debt. NOT AN INCOMPLETE BILL OF SALE. This documentation is needed to prove that the alleged debt/account was purchased, how much, and under what terms and conditions. I HAVE THE RIGHT TO KNOW HOW MUCH THIS ALLEGED DEBT WAS PURCHASED FOR AND WHAT PERSONAL IDENTIFIABLE INFORMATION WAS STOLEN WITHOUT MY CONSENT. I never consented to Resurgent Capital Services having any of my personal identifiable information. NO CONSENT IS IDENTITY THEFT AND FRAUD. This is also an invasion of my privacy. Resurgent Capital Services ' refusal to prove this alleged debt is owned by them is intentional and willful noncompliance with the law and they are willfully harming me. I will now resume seeking remedy through Federal Court for Resurgent Capital Services ' noncompliance with the law and I will use my multiple complaints and any information deemed necessary to prove Resurgent Capital Services ' willful noncompliance. I do not have an account with Resurgent Capital Services nor have they ever extended me credit. Resurgent Capital Services has also violated the Fair Credit Reporting Act by illegally accessing my XXXX consumer report.
Company Response:
State: WA
Zip: 98373
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive contact this collection agency several times several times Ive never owned any account. I am a victim of identity theft, which I provided copies of the police report, and he agreed after talking to management that these collections would be removed and deleted from my credit profile immediately.
Company Response:
State: CT
Zip: 06451
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Please see attachments of the information I am demanding. If Resurgent Acquisitions, LLC., willfully fails to comply a civil penalty will apply. Comply with the notices. Thank you for your timely cooperation. XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A