Date Received: 2023-12-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: No response received via mail. The outcome was that my credit report was updated as verified. The information in fact was not verified nor was I provided the proof I requested.
Company Response:
State: TX
Zip: 78237
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On behalf as an consumer ( Debtor ), I am informing you that an creditor ( XXXX XXXX, LVNV Funding Sherman financial group, LLC etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( 1 ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived. Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On behalf as an consumer ( Debtor ), I am informing you that an creditor ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX etc. ) is bankrupt .To which requires the entity to notify credit reporting agencies of all debts status to be changed from a charged off to being subjected to the bankruptcy discharge. ( a ) A discharge in a case under this title ( 1 ) voids any judgment at any time obtained, to the extent that such judgment is a determination of the personal liability of the debtor with respect to any debt discharged under section 727, 944, 1141, 1192, 1228, or 1328 of this title, whether or not discharge of such debt is waived ; ( 2 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover or offset any such debt as a personal liability of the debtor, whether or not discharge of such debt is waived ; and ( 3 ) operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect or recover from, or offset against, property of the debtor of the kind specified in section 541 ( a ) ( 2 ) of this title that is acquired after the commencement of the case, on account of any allowable community claim, except a community claim that is excepted from discharge under section 523, 1192, 1228 ( a ) ( 1 ), or 1328 ( a ) ( 1 ), or that would be so excepted, determined in accordance with the provisions of sections 523 ( c ) and 523 ( d ) of this title, in a case concerning the debtors spouse commenced on the date of the filing of the petition in the case concerning the debtor, whether or not discharge of the debt based on such community claim is waived. Also in reference of 11 U.S Code 727 ( b ) A bankruptcy discharge relieves a consumer of any legal obligation to repay a discharged debt- in terms does not make the debtor liable of such debt.
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
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: i was checking on my credit report, i saw XXXX accounts, XXXX LVNV FUNDING LLC {$3100.00} Open balance Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$2400.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2023 {$1700.00} Open balance XXXX XXXX XXXX A Original creditor XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$1300.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX Original creditor THESE Accounts shouldn't be in my credit report, at all, without my consent they gone to my personal details and addresses have expose my information to the XXXX web, i have received phone calls threating me for money and bank statements, 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any infomation relating to a consumer to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TX
Zip: 78542
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent several letters requesting proof of the debt, and the only response is a an automative letter stating account has been verified. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post on my credit report. I formally demand the following negative account records to b e verified and/or removed immediately. Must provide proof of all your verification of the debt and where you obtained it from.
Company Response:
State: TX
Zip: 79602
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023- Resurgent is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sure this is a violation of the FDCPA.
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is XXXX XXXX with new & updated information about my recent complaint XXXX. LVNV Funding/ Resurgent Capital Services still failed to send me verification- ( sworn under oath 28 USC 1746 ) of this alleged debt as requested. LVNV Funding/ Resurgent Capital Services compiled with 15 USC 1692c ( c ) but still failed to comply with 15 USC 1692c ( b ) & stop all communication with third parties- XXXX, XXXX & XXXX XXXX
Company Response:
State: NC
Zip: 28625
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: So they started it off on my credit report back in 2018 with a different amount, and then have progressively continuously changed the date opened on the credit report every single year to reflect the current date to look like just opened the account within the year, and just kept putting or adding more money to the amount that they say that I owe them. Have had this particular debt on my credit report now since 2018 consecutively changing the date the debt was opened, every single year so they can continue to reapply it back to my credit report over and over and over again. 4 companies keep doing this me and I don't understand how they can get away with checking my credit report with a hard inquiry and then turning around and changing the credit reporting date every single year to a new date when I quired with both of these companies and I sent them a formal written letter. Requesting complete verification, and clarification that's neither company replied to me with any information I gave them over 60 days to reply, and now have tried to dispute all of these delinquent bills on my credit report, but they keep coming back and putting them right back on my credit report.
Company Response:
State: LA
Zip: 71220
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: The following companies are in VIOLATION of FCRA 15 USC 6802 Obligations With Respect To Disclosures OF Personal Information. Section A States A finicial Institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information unless such financial institution provides or has provided to the XXXX a notice that compiles with section 6803 of this title All credit bureaus are in VIOLATION of Sections ( B ), ( 1 ) A, B, & C & FCRA 15 USC 1681 Permissible Purpose was not given. I've asked for removal of the following accounts from consumer profile Immediately XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A request was made to Resurgent Receivables LLC for Validation of the Debt which the alleged is owed to them and the purchasing agreement. We also have requested evidence of indebtedness via the original instrument of indebtedness and a signed agreement to pay the debt which they allege I owe. Resurgent Receivables LLC has been instructed to cease and desist if they are unable to provide evidence and not to sell, assign, transfer or convey any of my information as I do not consent. Due to data breaches, identity theft and identity fraud, I have taken extra steps to protect my data. Resurgent Receivables LLC has ignored my Notice of Identity Theft, Notice of 15 U.S.C 1692g ( b ) and are attempting in bad faith to collect a debt which is in fact not owed to them based on their " belief '' without sufficient evidence to do so. I have received an unsigned letter from Resurgent Receivables LLC without the acknowledgement of an agent acting on behalf of Resurgent Receivables LLC which is a violation of 15 U.S.C 1692j false and deceptive practices. This is Submitted in good faith
Company Response:
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A