Date Received: 2023-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They sued me for the debt. I hired an attorney. When we went to court. The debt collector never showed up because they had no proof that it was mine. The judge ruled in my favor that the debt is not owed. It's been over a year now and they still will not remove it from my credit report. I have disputed it through the agencies multiple times and some how they still are allowed to keep it there. The creditor is LVNV Funding. The amount is {$2900.00}. I'm tired of fighting this after this has been settled in court already.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Company Response:
State: AR
Zip: 72113
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Resurgent Capital Services. Have my personal information. My social security number, address, phone and email. Without my consent. I dont have a contract with them nor do I have one with the original company XXXX XXXX XXXX Its a business account. My company XXXX XXXX XXXX never signed an ink document with wex bank nor Lvnv funding. I asked for the contract bearing my name in ink for them to show 100 % accuracy or permissible purposes as FCRA says. Also its against the privacy act for them to have my personal information without my consent. They assured me that they dont have any nor have seen one but still have and hold my private/personal information. They said they had to request it. I asked they they remove my information after tell me they have no copy of contract and they still refuse to. I spoke directly XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Lvnv funding is inaccurately reporting on my credit report. Ive told them several times the debt is not mine
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I received a legal letter from my county court that they will collect from my wages and Ive called multiple times on this debt and never call back. I rather deal with this on my own thats collecting from my work wages I will attach legal forms sent to me today XXXX
Company Response:
State: NY
Zip: 148XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: On XXXX of XXXX I was advised from LVNV Funding LLC also known as XXXX & XXXX, of a very old account in which was closed and no longer relevant. I had to create a new complaint cause in my previous complain statement ; I got confused, I thought they were talking about XXXX. But today I am totally 100 % that the account is a Credit Card for XXXX XXXX that LVNV Funding is claiming I owe. This account was opened on XX/XX/XXXX first of all in the State of Florida. According to the Statute of Limitation on Debt Collection practices for Open Ended Contract in the State of FL is 4 years since the last payment ( year XXXX ) to the Owner of the Account. This is no longer valid to collect, also they purposely altered the date on the credit as reported this XX/XX/XXXX, also said that the account was opened in XXXX. This is a lie and it's also illegal. I am going to make sure, this company gets what they deserve ; cause they were frivolous with bad intentions towards me. They keep claiming I owe that money in which I don't. A Sheriff from XXXX XXXX in which I live, my current State is Georgia. The XXXX came to my house with court papers on XX/XX/XXXX from this Collection Company. I disputed that, and that this account was in another state ; they have being persisting on my credit report after they sued me on XX/XX/XXXX. I am writing with a copy of the letter attached I've received from the XXXX XXXX XXXX XXXX XXXX Making this email short, LVNV Funding failed to appear in court on XXXX XXXX and the case was dismissed without prejudice by the court. So meaning LVNV Funding needs to erase the debt, remove the credit inquiry from the XXXX and also don't ever send letters about this account anymore. In that year we were also in the middle of the pandemic, economic hardship, and problems with everything around us. My brother also passed, and I had to invest in a lawyer service because of this company harassment and not being willing to cooperate. I have all the proof at my favor to show, I am only uploading 2 documents. Appreciate any help the CFPB can provide, and thank you. XXXX : I also notified the XXXX on that date too, XXXX XXXX.
Company Response:
State: GA
Zip: 30032
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: Two debt buyers are reporting debts they bought. I never had credit with this company, and they do not reflect any positive history I had with the original creditors! The history, the good payments, gone, and right to charge off, reflecting that I never paid anything! This is FALSE AND MISLEADING! Its unjust! They placed this on my credit for one reason only, to get me to pay. I have no credit with either of them and want them removed immediately. The credit report was not designed to be used as a weapon, but that's exactly what these debt buyers are using it for.
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: LVNV and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials. ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments. Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's OfficeXXXX XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
Company Response:
State: FL
Zip: 33614
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent Receivables LL is attempting to extort me for {$1000.00}. I never conducted business with this ompany. They have my personal information without my written consent. They shared my personal information without my permission. I have a right to privacy. This organization falsely misleadi credit reporting agencies by defaming me without merit and just cause. They stole my personal information. They are attempting to collect a false debt and reported the false information. This is defamation. I have a number of tines to contact them and other credit reporting agencies without justice.
Company Response:
State: WV
Zip: 250XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The open dates for are not accurate and the account numbers are invalid. XXXX never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A