Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft in XXXX. This resulted in unemployment and credit card fraud with XXXX companies. The unemoyment fraud has been remedied but it has been extremely difficult removing the XXXX credit cards reported to my report. Debt collectors continue to attempt contacting me.
Company Response:
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Acct no XXXX XX/XX/2020 XXXX {$1800.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Email : XXXX, XXXX XXXX amount XXXX. I responded that it is not my account to stop sending these email.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: my information was used to open an account up using my name with a different address that i have never resided in. According to the report in my credit report the account was opened in XXXX and closed on XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX the balance showing is XXXX. I contacted the original credit grantor of the fradulent account and they confirmed the address used does not belong to me
Company Response:
State: PA
Zip: 17602
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX I was going through a surprise divorce after 23 years od marraige and living in my truck, or staying with friends when I could. Took years to get out of that situation. This debt was charged off by XXXX. Then I received a letter dated XXXX XXXX, XXXX from XXXX, XXXX ( Resurgent Companies as stated in their letter ) stating I owe a debt for {$21000.00}. Sent them a Certified letter to stop contacting me. Resurgent Capital Services sent another letter dated XX/XX/XXXX stating they deny the alleged inaccuracy and believe their information is accurate and if not contacted they will return the account to active status. I sent another Certified letter immediately asking them and XXXX XXXX XXXX ( part of the Resurgent Capital group ) to stop contacting me for this time-barred debt. I received another letter dated XX/XX/XXXX received on XX/XX/XXXX from Resurgent Capital Services. I do not work as I stated to them. They will not Cease and Dissist.
Company Response:
State: TX
Zip: 77511
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
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: I have spoken with this company and also communicated with them by mail on several attempt this is my final attempt before filing suit against them, They can not validate this so called debt, they are a third party debt collector and I have no contract with them, I requested from them to produce a contract between me and them and they only produced old statements. A statement is not a contact anyone can mail you statements from a delinquent debt and request you to pay them. A third party debt collector can purchase your debt but they can not purchase your information ( 15usc 1692b ) This company has violated my privacy and have harass and abused ( 15usc1692d ) my privacy with collection of this debt of the Fair Credit Reporting Act which you can see as an credit bureaus, I am requesting this be deleted from a credit file ASAP!
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XX/XX/2023 certified mail was sent to LVNV funding LLC in regards to a debt of {$860.00}. I asked the company to sent validating documentation for said debt. It is now XXXX of 2023 and I have yet to receive proper documentation. The company has failed to validate the debt within 30 days. The company also does not the legal licensing required in FL to collect debt as reported by the XXXX
Company Response:
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Not sure why lvnv funding is on my credit report in the amount of {$2700.00} I didnt give permission to release my info to this debt collector XXXXXXXX XXXX XXXX as well in the amount of {$180.00}
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV FUNDING LLC has been sharing my nonpublic personal information with nonaffiliated third parties such as XXXX, XXXX, and XXXX without my consent. Furthermore, the information that they are reporting is inaccurate and false. This violation of my consumer rights is a breach of my right to privacy. Additionally, LVNV FUNDING LLC has denied me the right to opt out of sharing my private information with consumer reporting agencies, which is a violation of multiple federal laws.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, XXXX XXXX, do not have any contract written nor verbal with this company nor any original creditor that it acts to represent. As Resurgent Capital Services is an entity and not a living natural person, I am bringing litigation against the living persons who legally represent the company as you all are enabling identity theft against me by violation of the FCRA despite numerous disputes and the request for validation and verification of a debt that you all are attempting to collect. This company has not been able to provide proof of the debt via an original signed contract or promissory note from the original creditor and when I reached out to the original creditor which is XXXXXXXX XXXX, they were unable to verify the debt as well and noted that they have no interest in the debt and cant provide any documentation to the validity of the debt. I recorded with full consent the last conversation that I had with an employee who stated that she is a supervisor, XXXX XXXX. She stated that the files that Resurgent has on hand are simply a file showing dates the account was open and payment dates. No original contract is in the possession of Resurgent Capital Services and neither does the original creditor, XXXX XXXX have the original contract. I boldly refute ownership of this debt and any debt that XXXXXXXX XXXX and Resurgent Capital Services are claiming that I owe them as no validation nor verification has been satisfied. The PDF that Resurgent employees provided me was on company letterhead and a print out that they created themselves. I am requesting the full validation and verification of this debt and I am attaching the letter received from XXXX. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be closed and deleted with your company or the company which you represent and completely removed from my consumer files and a copy of such deletion request shall be sent to me immediately. Please provide the following : Agreement with you or your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the assigned debt collector. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was NOT canceled by 1099-C Verification that this debt was or was not assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful if applicable. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. Respectfully, XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A