Date Received: 2022-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After multiple attempts to have this matter resolved with the debt collector, I am starting to believe this is out of malice. On page 80 of the attachment you can clearly see the last 4 digits of the account number is different from the account which is falsely accused of being mines. I will include the evidence as an attachment. Its labeled as Resurgent Harassment documents. To add this company is now including my middle name when originally my middle name was not included. The letter that was sent stating my account is a valid account. Is regards to account number ending with XXXX. The fraudulent account ends with XXXX
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Resurgent Receivables is a third party that was never given written consent from me the consumer to have access to my reports or even report information. Further there is no written consent from me the consumer for them to have had communication with XXXX XXXX XXXX This is a violation of 15 USC 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Resurgent Receivables has committed identity theft and continues to do so as recent as XX/XX/2022. 15 USC 1681c-2 ( a ) a consumer reporting agency must remove/block information alleging to be a result of id theft shall be removed no later than 4 business days
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ).
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Most Recent Communication XX/XX/XXXX Received an envelope from Resurgent after they received and signed for a cease and desist letter. It shows delivered to my XXXX XXXX XXXX XX/XX/XXXX via my USPS Informed Delivery. The letter is the exact same letter as the previous letter dated XX/XX/XXXX with all of the exact same contents ( regarding my " recent inquiry '' ( Sent a statement not an inquiry on their website on XX/XX/XXXX ). It contained the letter, only ONE of the debt companies ( not all of them ), a paper stating " Your Account is Charged Off '' and an Account Summary Report ) TIMELINE OF EVENTS XX/XX/XXXX Called and spoke to Resurgent regarding debts, explained that they are not mine, my ex-husband opened them and I will not pay on any of these debts. Got account numbers and reference numbers. Never received any written documents from them 5 days after contact as required by law XX/XX/XXXX Sent letters to Resurgent refusing to give my privacy protected information XX/XX/XXXX Received signed return receipt showing receipt of my responses signed and dated XX/XX/XXXX XX/XX/XXXX Contacted through their website - detailed information about each account and when they expire from collection and my credit report. Stated I will pay nothing XX/XX/XXXX Received a letter dated XX/XX/XXXX regarding my " recent inquiry '' ( Sent a statement not an inquiry on their website on XX/XX/XXXX ). It contained the letter, only ONE of the debt companies ( not all of them ), a paper stating " Your Account is Charged Off '' and an Account Summary Report XX/XX/XXXX Called the number on the letter XXXX and spoke to XXXX, she wouldn't answer my questions so I hung up and called back. Second call : spoke to Patience and got some information until she thought she could talk over me. I was transferred to XXXX a Senior Rep who told me I can stop all communications by placing a verbal cease and desist so I did that. She also advised me that it would be better to put it in writing to make sure it gets done. She also gave me the address. XX/XX/XXXX Wrote the cease and desist letter with no end date until my death and covering anything with my name on it. XX/XX/XXXX Sent the Cease and Desist letter certified, return receipt ( to prove it was received ) XX/XX/XXXX Received the return receipt that my letter was signed for and received dated XX/XX/XXXX XX/XX/XXXX Received an envelope from XXXX after they received and signed for a cease and desist letter. It shows delivered to my XXXX XXXX XXXX XX/XX/XXXX via my USPS Informed Delivery. The letter is the exact same letter as the previous letter dated XX/XX/XXXX with all of the exact same contents ( regarding my " recent inquiry '' ( Sent a statement not an inquiry on their website on XX/XX/XXXX ). It contained the letter, only ONE of the debt companies ( not all of them ), a paper stating " Your Account is Charged Off '' and an Account Summary Report ) XX/XX/XXXX At XXXX XXXX I called Resurgent regarding the letter I received. I spoke to XXXX and informed her the call was being recorded. I requested to speak to a Supervisor and was transferred to XXXX at XXXX XXXX and also informed her she was being recorded. She refused to give me any information as to why I received communication after the cease and desist letter was received and signed for. She stated their company does not answer any general questions ( you have to be a customer to get answers ). She admitted there is an active Cease and Desist letter.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has sent several voicemails, and letters along with emails requesting me to pay this debt that was originally for XXXX. However this debt has already been charged off, I also sent this company a certified letter asking for them to send proof of validation and payment history within 30 days which they have not done thus far. Its been over 30 days.
Company Response:
State: WV
Zip: 25404
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I recently discovered there was a mortgage taken out in my name in XXXX of XXXX. The account information appeared on my home page for the mortgage serving company XXXX XXXX. My XXXX XXXX XXXX account was moved to this new company starting XX/XX/XXXX. I was shocked to see this mortgage appear. Researching the mortgage, I see the account was established on XX/XX/XXXX. The company named on this loan is Resurgent Capital, Resurgent Mortgage Serving. This is the same company I filed a complaint with CFPB, ( # XXXX ), on XX/XX/XXXX. Resurgent was attempting to collect a debt from a bankruptcy filed in XXXX. I explained to the person calling that day that Federal laws prohibit any attempts to collect on a bankruptcy 21 years later is in violation of the law. I asked for the callers name, ID case number, etc. They never came back on the line. So I have a mortgage account, falsely set up using an apartment I rented back in XXXX. We lived there for one year. I have all the supporting documents to show what they did. This is outright fraud. I have asked XXXX to remove this bogus mortgage from their website and they emailed back stating there is no way to remove it.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX this debt is not mine. i spoke to the company and reported it as incorrect, however, they dont pay me any mind Account info Account number XXXX Date opened XX/XX/2017 original amount {$300.00} Balance {$610.00}
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
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 disputed an account that I did not recognize. The dispute removed the original creditor from my credit reports. However, the collection remains. If the original creditor rules in my favor and said I was not liable for the account, why wasnt the collection deleted as well? The original account was XXXX and the associated collection is LNLV.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: You have harassed me numerous times and I require you to ceast and desist all communications with me and block and remove your information from MY consumer report
Company Response:
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Collection will not send me an itemized summary of my account They have the open date of the account wrong on my credit report and refuses to change it has started the account over
Company Response:
State: LA
Zip: 714XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A