Date Received: 2023-02-16
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I asked for them to stop sending me things and to remove the debt off of my credit report because one the debt is over 20 years old and they are reporting it as a new account and two I do not have knowledge of the debt. They in turn continue to call me all the time email me as well as send several notices in the mail.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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 FUNDING LLC through Resurgent Capital Services is reporting to the credit bureaus and threatening to sue me. Balance of {$330.00} according to them that I owe LVNV. I reached out to the creditor via certified mail end of XX/XX/2022 with a cease and desist, I have never signed or opt in or given any kind of written instructions to do business with them, I have never agreed to have them report any of my personal information to a third party ( credit bureaus ). I have no business with them whatsoever. With my written communication to them I requested they provide a Creditor Statement, individually and completely with factual evidence, also including but not limited to a complete forensic accounting of all accounts, Form FR2046 ( showing the original balance sheet ), an IRS form 109901D which will identify who the principal funds originated from a Full File Disclosure as well showing a wet signature of me doing business with them. They in turn sent me a letter through Resurgent Capital Services threatening to sue and continue to report to the bureaus. I sent them an additional letter stating that I wish all communication to occur in writing and to provide a full file disclosure. It is now mid XXXX, they still refuse to comply with FCRA laws to remove their reporting to the bureaus.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never advised of the transfer of this debt. 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: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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 not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer report. Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never advised of the transfer of this debt. 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: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted Resurgent ( Third Party ) several time, to provide with my wet signature to contract with them on this alleged debt that was reported on my credit profile to XXXX XXXX, XXXX and XXXX without my written Permission. Letter was mailed out on XX/XX/2022, requesting where I gave permission to report anything negative on my credit profile. 15 U.S. Code 6802, 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), ( Letter Enclosed ) Letter sent out on 12/29/2022 requesting copy of contract with Resurgent, Copy of Itemized bill, Copy of my wet signature and copy of written authorization from me to report any negative items to my credit profile... Received a letter back from the collection agency stating that they are managing the account and sent out a copy of a computerized charges and non of the information I have requested above... I would like these collection removed from my credit profile with all three credit bureau immediately because I have no contract with you and you are reporting fraudulent information about this alleged debt.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On or about XX/XX/2022 LVNV funding called my work number and spoke with my boss also my brother about a debt that I owe. The collar kept insisting that it was XXXX that he was speaking to when he in fact was speaking to XXXX he stated that I needed to take care of this debt or they were going to take me to court or has told the gentleman three times that he was not me and that they had been told previously not to call the work number they had my personal cell phone number. I do believe that this is a breach of my privacy especially since I never authorized or entered into a contract with them and I never gave permission for anybody to share my personal information with a third party! I feel that I am entitled to compensation and I believe that lvnv funding needs to correct this and remove those negative items from my credit reports. I filed a grievance with a XXXX XXXX XXXX against them against XXXX and XXXX they kick the XXXX and XXXX back saying that that was not an issue with them I had to take it up with LVNV. Prior to this my brother had agreed to cosign a loan in the amount of {$15000.00} for myself to make necessary repairs on my house since then he has decided against this because of this action this has really hurt me financially and I don't think they should be able to get away with it
Company Response:
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
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 am writing in response to your recent communication regarding the debt collection for my account under the name of XXXX XXXX with the account number XXXX. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Specifically, I am requesting the following information : The amount of the debt owed The name of the original creditor The date of the last payment made towards this debt Proof of your authority to collect this debt Please note that until I receive the requested information, I am unable to determine the validity of this debt. Furthermore, I dispute the debt for the account number XXXX on the basis that it has been legally paid in full for less than the full balance. I also dispute the debt for the account number XXXX on the basis that it is seriously past due date and has been assigned to an attorney, collection agency, or credit grantor 's internal collection department. I request that you cease all collection activities until the requested information is provided and the validity of the debt can be determined. I would also like to request that any communication regarding this debt be done in writing, and that you cease any phone calls to me regarding this matter. Please be advised that any further contact that does not comply with the FDCPA will be considered a violation and I will take appropriate legal action. Thank you for your prompt attention to this matter.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX has sent my information to LVNV FUNDING LLC for an account that was opened in XXXX they have restarted the account date showing account was opened in XXXX XXXX XXXX which is false and illegal.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A