Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Correspondence XXXX XXXX XXXX XXXX, SC XXXX. This company allegedly claims I owe a debt. I have no agreements with Resurgent. Resurgent claims I owe {$200.00}. Resurgent has been sending me text messages and calling since XXXX 2022. I sent a Cease and Desist letter which was ignored.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not this company any money. I dont have a contract with company. Please delete this account off my credit. Not mine delete
Company Response:
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Company Response:
State: IN
Zip: 46077
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Numerous times the company has contacted me stating that my credit score would be affected and or damaged if i did not settle the debt owed.
Company Response:
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX, I was contacted by a 3rd party stating that they were trying to serve me legal papers for a collection agency for a debt that was owed in XXXX. She stated that they tried to contact me back in XX/XX/XXXX and they were now pursuing legal options and they would be placing a judgment against me. I explained that I had already submitted a debt validation letter and the information that they sent me was not suffice to establish that this was my account. She then said they would continue to pursue legal action and I explained I did not believe this was my account. She then said well I doubt a criminal would pay an account on time for years and then not pay all of a sudden. I then explained that this debt is way past the statute of limitations and she explained that according to their tolling agreement when approving the credit, the creditors can do whatever they want to pursue this debt and then she told me to XXXX it. I told her to do not call me again, I would be sending a cease and desist letter and she said she would notate the account and hung up in my face. The collection agency is LVNV Funding LLC. The 3rd party that contacted me on their behalf just said they were legal services but the phone number is ( XXXX ) XXXXThey also called an ex boyfriend of mines as well and provided him with information that they shouldnt have.
Company Response:
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 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 this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. This company LVNV has sold my personal and confidential information to resurgent capital services without my permission. I would like to receives {$10000.00} from both companies for the all of the violations. Resurgent Capital services has threatened to damage my credit, harassing me with emails, phone calls, and mailing at my private address when I already wrote a cease and desist. Please issue this remedy asap or I will be force to sue in court for violations of the of the Fair Debt Collection Practices Act specifically 15 USC 1692d 806. Harassment and/or abuse. I have attached emails, and physical mail from resurgent they re driving me insane!
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was not notified or verified in accordance with debt via Capitol One. I have no signed anything allowing debt being sold or moved. XXXX XXXXXXXX XXXXXXXX say I owe {$810.00}. I do not know where this number came from. The earliest email I have found says XX/XX/ from a completely different creditor XXXX XXXX XXXX stating the exact same balance. In accordance with the fair credit reporting act ; XXXX XXXX XXXX and Capitol One Bank 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 a account without my written instructions. I want the debt to be cleared from my name and not affect my credit score. This has weighed down my credit for far too long.
Company Response:
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, XXXX XXXX, a consumer, am notifying you that I dispute both alleged debts pursuant to 15 USC 1692g. XXXX XXXX XXXX says this account was allegedly opened XX/XX/20 and LVNV Funding has a completely different date listed which is inconsistent further confirming their allegations are false. I do not recognize how these accounts are reporting on my credit report. I do not recognize the account numbers ; I do not recognize the account status. I also do not recognize the account high balances not the late payments associated with these alleged debts. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE. Since these alleged debts are disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the Aggravated Value of Purchase showing how much you paid for these debts. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASZSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 95827
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Described in attached document
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: So in XXXX I pulled my credit report and noticed 4 accounts in collections that I never had so I started reaching out to these companies and started the dispute process and identify theft process on my end. So 3 collections were removed from my credit report and the 4th company XXXX XXXX XXXXXXXX XXXX XXXXXXXX refuses to show actual proof that it's my account. I've faxed over everything from police report, ftc identify theft report, affidavit, etc showing my identity was stolen and I'm disputing. The only this they sent me was a bill from the company and they state that is there proof it's my account.. I called them 13 times and keep getting nowhere I've spoke with them and said how is a bill proof it's my account ofcourse there would be a bill that's why it's in collections to begin with that still doesn't prove its my account. The other collections companies were great with helping resolve getting these off my credit report but for some reason this 1 company keeps sending me bills only after I called to dispute the account I've told them it's not mine and they are not willing to work with me. Also I did reachout to the original card company XXXX XXXXXXXX and they told me my file is and has been set at fraud and identify theft and not sure why the collection agency is still reporting this as my account.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A