Date Received: 2022-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Accounts were opened by an ex-girlfriend living at my house without my knowledge or consent.
Company Response:
State: MO
Zip: 63401
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: My family member received information about a debt showing my name in a text message on their personal cell phone. The text message contained a link, which allowed them to view additional information about the debt, including the amount the creditor has listed.
Company Response:
State: IN
Zip: 46342
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: 2022-11-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXXXXXX XXXX XXXX has fraudulently reported and sold my personal information to credit reporting agencies and to LVNV Funding LLC. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Company Response:
State: UT
Zip: 84088
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: There was a judgment against me in XXXX. Some time since the account was purchased by LVNV FUNDING. They got a judgment for garnishment in XXXX, XXXX. For XXXX. This garnishment judgment was filed in a county I do not reside in any longer and at an address that i haven't lived at in over 10 years. I was never notified. I can't even tell if they tried to contact me. my employer never gave me the paperwork until well after the window for me to dispute the case or apply for either an exemption or better terms. I do not now know what the original amount was but I am positive it was never this much. This is devastating my family. My wife is XXXX and she stays home to care for our special needs daughter. I can't believe even the court never verified that I was not served.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I believe I have been a victim of identity theft. I noticed in XX/XX/2022 that there were unauthorized charges to my bank account. The suspect also opened up a checking account and added 3 debit cards to my checking account. I reported fraud with XXXX XXXX and closed all my accounts and reopened new ones. I then contacted the 3 credit bureaus to add a fraud alert. On XX/XX/2022, I noticed 2 derogatory accounts from XXXX XXXX XXXX in the amount of {$6200.00} reported by Resurgent Receivables LL and XXXX XXXX in the amount of {$78.00} reported by XXXX XXXX I would like to dispute and request that you remove these from my credit report as I am a victim of identity theft and those accounts do not belong to me. Please let me know if you need anything else from me or have any questions.
Company Response:
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
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 know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't ask for verification but a validation containing the information listed in the letter
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
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 tried numerous times to have this fixed directly to XXXX and thru CFPB. I'm going to try one more time and provide a lot of documentation along with this complaint. LVNV account number XXXX is reporting twice on my XXXX credit report. No one is reading my complaint. I know this because every response I am getting back validates the accuracy of the account. Accuracy IS NOT MY COMPLAINT!! posting it twice on my credit file is my complaint. I even received and response from LVNV directly that only addressed the accuracy of the submission. Not the fact it is on the file twice!!!
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LNVN Funding LLC RE : Validation Requested RE : Account # XXXX To whom is may Concern, I dispute your claim and I am requesting validation from your pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt is a result of identity theft I have hired a attonty because this company refuse to follow the law as to verify the debt before inserting this debt on my credit file and now i have grounds for compansation. Please hold this company accountable for not verifing the debt before adding this account number '' ' '' XXXX with XXXX XXXX XXXX. Thanks
Company Response:
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX wrote off a fraudulent debt for a XXXX XXXX XXXX due to a non existing account of approx {$27000.00}. I did not have a contract with XXXX XXXX. XXXX XXXX tried to produce a contract which did not have my signature nor theirs. A contract is a signed agreement by 2 parties. XXXX XXXX wrote off the fraudulent debt in the approx {$27000.00} and Resurgent Capital Services purchased this fraudulent debt. I did not have a contract with XXXX XXXX nor do I have a contract with Resurgent Capital Services. Resurgent is holding the title to my vehicle. I want my title from them. XXXX XXXX nor Resurgent capital can produce a valid or signed contract from me. They are causing me harm and anguish. I want my clear title to my XXXX XXXXXXXX XXXX sent to me immediately and/or a release of lien letter over-nighted and/or emailed to me.
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A