Date Received: 2023-02-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: NOTICE Regarding Unauthorized Access to my Nonpublic Personal Financial Information causing Harm and Damages to my character, reputation and mode of living. SEE ATTACHMENT!
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In the letter attached, there is no original proof of the last payment on this account for XXXX XXXX. Anyone can alter the actual dates on any given note ; including debt collectors, companies, etc. As the FCRA states and estipulate, I need a re-investigation. First of all, because LVNV Funding LLC, is altering the original dates without actual proof of the contract. According to the note presented by XXXX themselves and/or XXXX. CFPB please look at the attached document. I have no use talking to this XXXX company anymore. According to the FCRA : Account information disputed by consumer meets FCRA requirements, explained on my credit report. LVNV is not following the law of the state incurred, there are many discrepancies on the dates without proof and the court dismissed the case. I will process a lawsuit against LVNV for damages, and misinformation of character, my lawyer will get in deep with this collection company soon if there is no resolution. I am completely tired of dealing with them, without no agreement. Last time I am requesting this LVNV remove the XXXX XXXX account from my credit report.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was sued in XXXX from LVNV Funding regarding an account from XXXX XXXX. My wages were garnished on 3 separate paychecks on the following dates : XXXX for {$450.00} ; XXXX for {$630.00} ; XXXX for {$3.00}. My company sent the money to the XXXX XXXX Clerk of Courts. I spoke with a lady at the clerk of courts office this past week and she informed me that she reached out to the law office of XXXXXXXX XXXX XXXXXXXX on 3 separate occasions, those dates being XXXX, XXXX, and XXXX, to request that their office send her an order for funds so that she could send the funds to them. However, their office never returned her phone calls and did not send her the order she requested. She then sent the funds to the unclaimed funds division of the state of Ohio. I disputed the account on my credit report some years ago and requested it be updated to show it was now paid since they garnished my wages. They are saying I still owe them the money and refuse to correct their own mistake. I reached out again to them this XX/XX/XXXX to request again that it be updated because my wages had already been garnished and my debt was paid. I received a letter from them today XXXX stating that according to there investigation they have not received the money and therefore I still owe them the debt and it continues to collect interest, so every single month they are submitting to the credit bureaus that the amount is increasing and hurting my credit and this may very well jeopardize the current purchase of a home I am trying to make. I should not be punished for their lack of follow through on a judgment that was paid. There should be some form of restitution for continuing to ruin someone credit for a debt that was paid over 3 years ago.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent this company multiple emails with notices to cease and desist stating to verify this debt and it has not been verified. They keep sending me a copy of a bill from another company. I have no contract with this company to perform anything and also have stated to them that if they brought a debt that it was a volunteer effort on their part per- A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal. App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ). This company extinguished the alleged debt upon purchase and any attempt to collect or sell the debt is an act of fraud. There were given 10 days to provide the below documents. Failure to provide me with a written letter by your agency/law firm of non-existence of debt within 10 days will result in the actions mentioned below. Failure to purge all derogatory credit reporting from any credit agencies, including XXXX, XXXX and XXXX without validity of the aforementioned debt shall be considered an act of fraud. Illegal extortion of funds Punitive damages General damages Exemplary damages Special damages Inability to obtain fresh credit for filing judgments against XXXX credit bureau and/or such further & other relief as I deem necessary to seek. You have 10 days upon receipt to respond to this notice of fraud. If you do not respond within the 10 days you agree that this declaration is true and that you will report debt as paid in full and that no money is owed to XXXX XXXX XXXX, XXXX. THAT, this declaration if not rebutted by any man, representing XXXX XXXX XXXX, XXXX at any level, in any matter, at any time within 10 days upon receipt, these facts stand as true in the both the private and public record. I have not received any documents but the other companies statement so they are now in default. I also provided the below notice : XX/XX/XXXX Lawful Notice of Dispute Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, California XXXX RE : Reference # XXXX To Agent or Assigns of Resurgent Capital Services : I am in receipt of a computer-generated letter from your company dated XXXX XXXX, with unsigned, unverified, unvalidated statements alleging some kind of debt. Who are you? Do I have a contract with you? If yes, please send a certified copy of the contract that exists between XXXX XXXX and Resurgent Capital Services. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes and I do not owe the debt for the account in the above Regarding. However, your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect a debt in Michigan. If you purchased this as a debt collections device to make money as a debt collector, thank you for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful reporting on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for {>= $1,000,000} in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violations. Here are the terms of this self-executing Contract : Respondent must respond in an Affidavit with the requested supporting documentation and mail to the Authorized Representative as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX [ XXXX ]. In the absence of a true bill, kindly tender payment of {$1000.00} payable to : XXXX XXXX for 1 ( one ) unsigned, unverified, unvalidated statement punishable by Federal Law pursuant to Title 18 USC 1341, 1702, 1703 and 1708. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved,
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of XXXX ( under the laws of the United Slales, I execuled oulsict of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person of company - without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX Account holder : LVNV Funding LLC Account # : XXXX Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ) not state that such consumer owes any debt ; ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ) Fact, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. ) 15 U.S.C. 1692k ( ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ) Fact, affiant is aware that XXXX XXXX XXXX XXXX XXXX XXXX is willfully in violation of 31 C.F.R. 363.6 ( Minor means an individual under the age of 18 years. The term minor is also used to refer to an individual who has attained the age of 18 years but has not yet taken control of the securities contained in his or her minor account. ) Fact, affiant is aware that XXXX XXXX XXXX XXXX XXXX XXXX has at least ( 11 ) ten violations of title 15 U.S.C 1692.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
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 pulled my XXXX report and noticed an incorrect account that had previously been disputed and XXXX refused to delete from my account and did not properly investigate my dispute. I sent XXXX a certified mail copy on XXXX/XXXX/2019 XX/XX/2019 I also reached out to Resurgent Capital on XX/XX/2019 and on XX/XX/2019. Their response was they could not resolve the dispute because they could not find enough information on their end. They still refused to delete this and it remains on my report hurting my chances to obtain a home. Please see Proof attached. Thank you
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Upon checking my consumer report. I see that your company is reporting a credit card account that i did not authorized. I did not give your company or any one else permission to run my information to open this account. Any account open with your company is fraudulent. I did not give your company authorization to open this account up.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report are still showing inaccuracies ' also stated to them that i never opened any of these accounts not only but also i let them know i was incarcerated at the time these accounts were opened. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$250.00} LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$780.00}
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV FUNDING LLC is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$260.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, LVNV FUNDING LLC failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay LVNV FUNDING LLC and Im demanding them to remove the collection account from my consumer report.
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A