Date Received: 2022-11-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: First debt collector, XXXX, to take me to court for a debt I have explained I am unable to pay. Since COVID year my husband and I separated. He was the bread winner and with no help from him since I have told XXXX XXXX XXXX XXXX situation. Since then I have not been able to stay employed because I get sick many times through out the year. I cant afford to divorce my husband what makes you think I can afford to pay this debt or hire an attorney with what they want from me?
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: to whomsoever it may concern, this is in reference to your most resent response for the alleged debt on XX/XX/2022. according to 15 USC 1692a, congressional findings or declaration of purpose, you hereby informed that as a result of your fraudulent practices with the intention to cause harm, i have suffered mentally as well as financially. your company and its agents harassed me for a alleged debt that was not even validated. your company shared statements as well as a consumer contract as evidence of the debt. but as per the judgment in the case of pacific concrete F.C.U v. Kaunanoe a copy of a consumer contract is not sufficient evidence of a debt. Notice : please give me the full accounting of the debt how much you paid for the debt. produce a contact with me and you that shows i have business to be even speaking with you. cease all communication
Company Response:
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Reported XXXX XXXX on XXXX XXXX after I reached out several times to the company explain to him this is not my debt identity theft whom ever open a fruad account bad deceptive business practices
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive been disputing the validity of this account for a while. LVNV/Resurgent sent the account to another collection agency XXXX & XXXX XXXX XXXX. I sent the response back to have XXXX XXXX XXXX validate the account, however Lvnv/resurgent replies instead. I also received correspondence from the original creditor and realized the information provided never matched with lvnv/resurgent!
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed this account numerous times. The account does not belong to me. I have never applied had or applied for a account with XXXX XXXX XXXX or LVNV FUNDING XX/XX/XXXX and its reporting to my credit as a derogatory account. I have no knowledge of this account at all. Drivers license and social security cards should be required before someone is allowed to apply for a account because this is not my doing. There is also a hard inquire on my credit report for XXXX XXXX DL and I did not apply for a account with them either. I contacted them and they told me they dont have a application on file for me to even be able to help me but its definitely on my credit report XX/XX/XXXX as if I inquired with them. I dont understand what is going on. This is very frustrating and not fair to me at all.
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Company Response:
State: FL
Zip: 33880
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please freeze this report and update my correct information. The XXXX makes it impossible to access my report My name is XXXX XXXX XXXX My addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX phone numbers XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Fully paid off on XXXX XXXX continues to say I owe resurgent capital service which I fully settled the account with XXXX.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Lists current creditor : LVNV Funding LLC NEVER dealt with this XXXX company NEVER SIGNED ANYTHING NEVER GAVE THEM MY INFORMATION FRAUD INVOLVED Original CREDITOR NEVER DEALT WITH XXXX XXXX DO not have an account number ending in XXXX Charge off sate? during COVID XXXX XXXX XXXX full blown covid Are they stealing information from XXXX XXXX XXXX XXXX Have not paid XXXX since charge off date I have no such account never signed up with them never allowed any company to make them my creditor They are a XXXX XXXX company incorporated under different names How do you allow them? resurgent XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX .XXXX XXXX XXXXXXXX XXXX. Shut these XXXX people down They call during off hours they swear at you they illegally use my home address they intimidate they are prejudice they are XXXX they think they hit on senior citizens stop the XXXX from buying our data
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX, XXXX has been attempting to collect an unknown debt from me in the name of a XXXX XXXX XXXX in the amount of {$430.00}. XXXX XXXX, XXXX is not licensed to operate in California under sec XXXX.
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A