Date Received: 2023-02-22
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 WAS TRYING TO GET A CREDIT CARD AND THEY SAID I HAD COLLECTIONS. WHILE INVESTING I FOUND OUT USING THE NMLS WEBSITE THAT THE COMPANY IS NOT LICENSES TO BE A COLLECTION AGENCY IN THE STATE OF NJ
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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 written several letters and given affidavits to the credit bureaus along with each company listed with police reports, letters and reported them to other related organizations, Matters still not resolved it has been a few years with evidence of these alleged debts and violations! 15 USC 1692g Validation of XXXX
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This collection accounts has violated the rule of CFPB and FCRA since this was just recently opened last XX/XX/2022 and I never received any communication about these accounts,
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The company Resurgence/LNLV funding refuses to VALIDATE debt as requested. ( SEE ATTACHMENTS ) The company will not remove debt from my credit file. refusal to provide any competent evidence that the debt is legally and lawfully required to be paid by me. I delivered a letter via certified email with a list of documents that were requested and required to be given to me at my request and was sent an old bill instead with an incorrect name and address instead. The company now refuses to cooperate in accordance with the fair debt collection practices act. I can provide hard copies of all documents showing non compliance, As the upload function of the system here is not allowing uploads.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Some of the problem categories don't really identify with my situation. There are multiple collection agencies attempting to collect on the same debt. I have communicated to them requesting validation of debt and the account numbers, amounts are identical but the validation however the dates are the almost identical. I do not know who to reply to regarding this.
Company Response:
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Accounts that's be reported are not mines and I asked verification of the accounts and I haven't received any showing my signature or the original contract also different spelling of my name also another social security number that's not mines shows on my report Some items that was deleted still show on my credit report
Company Response:
State: TX
Zip: 76012
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding at C/O Resurgent Capital Services , XXXX, SC XXXX has been sending me collection notices in the amount of {$620.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding at C/O Resurgent Capital Services , XXXX, SC XXXX has been sending me collection notices in the amount of {$620.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: First of all LVNV Funding is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of LVNV licensing where FLORIDA is NOT listed. LVNV Funding also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws LVNV Funding has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. XXXX, XXXX, XXXX and LVNV Funding " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. These companies have all violated either of the two which both constitute identify theft. I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. I demand Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I Have several accounts on my credit report showing closed/ charged off still owing a balance deliquent etc.and I have tried to resolve these accounts several times but got no response and nothing is being done as a matter of fact there is a whole lot wrong with my credit report that is preventing me from getting anything, all three credit bueaus are not reporting the same things i have unknown unauthorized hard inquiries on my account they are reporting late payments on my account accounts that should have been off are still on showing a balance due i have sent validation letters letter form the clerk regarding my bankruptcy everything nothing is being done. 1.RESURGENT CAPITAL SERVICESS L.P 2XXXXXXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A