Date Received: 2022-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC/ Resurgent General Disputes/ Correspondence XXXX XXXX XXXX XXXX, SC XXXX Account Number : Ending in XXXX Resurgent ID : XXXX Ref Code : XXXX This company has been sending me collection notices in the amount of {$2100.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX, I received a letter from Resurgent stating XXXX XXXX XXXX XXXX SOLD my personal and private information to them on XX/XX/XXXX and to LVNV Funding LLC on XX/XX/XXXX. Which is a direct violation of my privacy. 15 U.S.C 1681 Sec 602A, states that I have the right to privacy. 15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). XXXX XXXX XXXX claims I owed them {$7300.00}, I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ) My personal and private information was obtained and SOLD to other organizations as well such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is to inform the CFPB that three different companies are claiming ownership to one account on my credit file. According to the FCRA, this is a violation. XXXX This original furnitureXXXX XXXX XXXX XXXX has fraudulently sold this account to two different collection agencies. LVNV FUNDING, LLC, and XXXX XXXX XXXX XXXX XXXX which I havent had any luck with speaking with a representative. While they are still claiming ownership on my XXXX and XXXX credit files. Making it a total of 3 different companies claiming ownership of one account to the three major consumer agencies. Along with this complaint, I have included screenshots of their fraudulent behavior of these companies.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 I submitted a complaint to the CFPB in regards to Resurgent Receivables LLC reporting an account on my Credit report that has not been validated. It was stated by XXXX of their Compliance Department, that they will continue to report this negative account on my credit report. I am demanding they cease and desist communication with with through any and all mediums, this includes the credit reporting agencies. This company is continually harassing me by reporting this information to which they have no permissible purpose. I have not consented to contract with this company and they are attempting to force me to. This behavior of preying on consumers needs to stop. I will be filing suit for damages. This company has my personal information and I have a right to privacy that has been violated. Resurgent Receivables LLC along with XXXX XXXX XXXX and both complicit in identity theft, fraud and XXXX.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Repeated phone calls. Billing errors that I don't recognize. Harassment Joining with alleged original creditors to report negative information to extort payments. I keep seeing this negative information on my report, and I have never done business with them. Company has obtained my personal information without my permission or consent. Original Creditor sold my information without my consent. Company is attempting to extort payments by reporting negative information about me. Company has no documents signed by me allowing them to call and harass me. They call several times per day even though I asked them to cease and desist.
Company Response:
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I, as consumer, without aid of credit repair organization, am writing to report an unfair and deceptive practice against Resurgent Receivable evidence by exhibited XXXX XXXX results attached. On XX/XX/2022 a completed investigation by XXXX returned with deletion of account information reported in violation of 15 USC 1692c ( b ) as unauthorized use of personal information and highly restricted personal information as defined at 18 U.S. Code 2725. The debt collector induced a hardship as an unfair and abusive practice. This deletion is admission of violation of 15 USC 1692c ( b ) for which obligation for willful misconduct is due in compliance to 15 USC 1611 and 15 U.S. Code 1692k ( a ) ( 2 ). This is an attempt to collection a debt from a debt collector. Any information obtained will be used for that purpose.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is a fraudulent account remove immediately, this account is in violation of my consumer rights and defamation of character
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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 asked XXXX XXXX XXXX XXXX who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within XXXX days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.
Company Response:
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. creditor : LVNV FUNDING LLC account number : XXXX date opened:XXXX balance:XXXX
Company Response:
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I previously submitted a debt validation letter to LVNV Funding and requested that they validated a debt that they claim I owe. Once the letter was sent I also spoke to a customer service representative with their company who insured me that the account was resolved and that the validation of debt was being sent. Since the letter was sent I have not received anything validation of the debt from the company and they still are inaccurately reporting the account on my credit report. They are in violation of my Fair Debt Collection Practices Act and also my Fair Credit Reporting Act. I am asking that they please remove the account from my credit report cease and desist all communication with me in regards to this debt collection. I have also attached the letter that I sent for reference. Due to non response from the collection agency I am prepared to file a complaint with my State 's Attorney General Office and request damages for up to {$1000.00}.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A