Date Received: 2022-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Received letter in the mail, contacted collection company and faxed FTC identity theft and police report to collection agency. Collection agency continued to report incorrect information on my credit report.
Company Response:
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account number XXXX has violating my rights. 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under any open-end in your consumer Credit plan as late for any purpose.
Company Response:
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has Violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: IL
Zip: 60099
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act LVNV Funding LLC XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I received a call at my moms number, it was XXXX something in the morning CST. It was a person with the Company LVNV collecting a bill for internet with XXXX. Well I already have a company prior to this company on my report collecting this. They told me they was collecting for XXXX XXXX XXXX, which is the collection company that was first trying to collect a bill that was not owed due to the original creditor had credited back that bill for internet not working properly and we had cancelled the service for non service. So both companies LVNV & XXXX XXXX XXXX are on my credit reports trying to collect a bill not owed, also XXXX is a no contract company for services. If a contract was made it was without knowledge of this, unless they sneak it in as a signature of install by the tech paperwork on install and told that it is a signature they need to prove hook up, which is illegal to make it a contract off of that.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I want my information deleted with this company which I requested for them to it deleted my information with them and their service providers and third-party affiliates. Today a young lady by the name of XXXX at the company told me that her supervisor told her that all they can do for me was to put a cease and desist on my account because I said that it is my right that I dont want to be contacted by phone or any other method but she said that there was nothing else that they could do for me far as deleting my information but on their website it clearly states that you can request to have your information to be deleted And thats what I did on their website I requested for my information to be deleted and I screenshot the proof thank you.
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting act XXXX account # XXXX, XXXX, XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In review of my XXXX credit report, I noticed a collection account from a company by the name of LVNV Funding/Resurgent. I never received any written communication from this coming stating that they were attempting to collect a debt. I wrote to this company via Certified Mail requesting " validation '' of this collection. I received the certified green card in the mail which indicated that someone in their organization was in receipt of my dispute. On or about XX/XX/2022, I had not received any responses from this company and sent the another letter via certified mail to provide me information on this collection reporting on my credit reports. As of today, XX/XX/2022 I have not received any communication from this company and their collection is continuing to be reported to my credit file with XXXX and XXXX.
Company Response:
State: SC
Zip: 29488
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: letter dated XX/XX/XXXX from RESURGENT CAPITAL SERVICES stating that I owe them a debt for {$570.00}. The Original Creditor was XXXX XXXX, who previously charged off the alleged debt. I have no contract with RESURGENT CAPITAL SERVICES nor LVNV Funding LLC. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I donot owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974. Let this be notice that I previously filed a complaint for a received letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating that I owe that same {$570.00}. The Original Creditor was also XXXX XXXX, who previously charged off the alleged debt. So they are shifting the debt to another shell company. This has to stop!
Company Response:
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A