Date Received: 2022-10-21
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: XXXX failed to verify the Collection/ Closed account and balance amount being reported for LVNV FUNDING LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV has been harrassing me thru emails, calls, texts and letters thru the mail 15 USC 1692. I have asked them to show a contract showing I did business with them and they were unable to provide any contract of any debt and has been contacting me relentlessly 15 USC 1692 b ( 2 ) ( 3 ) ( 4 ) ( 5 ). They will not stop harrasing me, I spoke to a lady over the phone and she said they will stop the harassment bt they never did 15 USC 1692 ( d ) ( 5 ). They are slandering my credit with false information and is crippling me from other credit that I could really use now15 USC 1692 ( g ). 15 USC 6802 ( b ) ( 1 ), 15 USC 1692 ( k ), 15 USC 1681 ( c ) ( 2 ) I never gave these people permission to contact me and harass me or slander my credit.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. LVNV Funding Acct # XXXX LVNV Funding Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX The following debt collection agencies are trying to collect on debt amounts on accounts sold to them by XXXX XXXX XXXX XXXX illegally and knowingly over inflated interest rates on its credit card holders. This resulted in a class action lawsuit filed by XXXX XXXX XXXX. All of the accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LVNV Funding and XXXX XXXX XXXX. XXXX contain accounts purchased from XXXX XXXX that are subject to the litigation brought against XXXX XXXX. I am requesting these accounts be removed from my credit account due incorrect amounts that were over inflated illegally by XXXX XXXX. I feel no debt collector should be able to slander my credit report over these illegally created debt amounts. Please remove or face legal action.
Company Response:
State: FL
Zip: 34691
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to Resurgent Receivables LLC and that they will use any information i give them to help collect the alleged debt. The letter goes on to say that I had an account from XXXX XXXX Bank, XXXX. and I allegedly owed them XXXX. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by these organizations and it seems that when XXXX company tries to extort me and are unsuccessful they sale my information to another company and repeat the process. These companies have damaged my credit and defamed my character. I am a consumer and I do no not owe theses companies. I have a right to privacy and these companies have violated my rights. I have previously disputed the Resurgent Receivables LLC account information on my credit report with XXXX, XXXX and XXXX, but the information remains on my credit file.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/XXXX a company named RESURSURGENT CAPITAL SERVICES started calling and sending emails which is a violation. 15 USC 1692 ( c ) states that without prior consent of the consumer given directly to the debt collector. 15 USC 1692 ( d ) which states a debt collector in collecting a debt, may NOT harass, oppress, or abuse any person. They have been calling and sending emails so much it's starting to interfere with work and my family life as well as my free time or me time. I have never done business with RESURGENCE CAPITAL SERVICES and I don't owe them no debt. These are just some of the emails or calls from these people. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Plus this is the XXXX company who has contacted me or tried to contact me. How many times can a so-called debt be sold? How am I supposed to know who is telling the truth or not. The other 2 companies XXXX XXXX XXXX XXXX. as well as LVNV Funding LLC. I tried to contact XXXX over at RESURGENT CAPITAL SERVICES which is the person where the emails are coming from however I was told multiple times by two people who answers their phone calls plus the team leader still couldn't talk to her.
Company Response:
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
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 submitted over XXXX investigations as well as mailed XXXX documents as regards LVNV Funding on my report they keep showing this company as having a open account and also a invalid Amount owed. Most of the fees Lvnv says i owe are from the submitting false paper work to court as well as fake summons served. I went to court submitted original loan amount XXXX dollars. XXXX dismissed and vacated judgment. But they illegally kept up fake judgments amounts they racked up without my knowledge and added that to what ever XXXX i owed and reported amount over a XXXX dollars. This company has engaged in tactics in the past and most likely continues of attacking injured people submitting false paper work to courts. And XXXX will not remove or show the effects of me getting out of dept. But as a honest and reliable credit agency XXXX is only agency showing true representation of me.
Company Response:
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have just received a email as of today XX/XX/2022 from LVNV FUNDING. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX XXXX was sent to collections, I have been working with them to pay this amount down. LVNV FUNDING LLC has also not mailed me any documents for my right to dispute just an email stating I owe money which is completely unfair. They have not sent any written contracts with my wet signature or a full disclosure. This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i am a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given XXXX Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX credit card way back in XXXX card closed charge off paid that bill now resurgent bought a debt that was already solved and or someone else using it claiming to be me I'm not paying someone else who's claiming it my debt I wasn't even in the states during this time.i want that resurgent credit one card off my report credit limit was only XXXX XXXX this isn't my debt and this isn't right that wasn't me.wheres justice for me this isn't right.i want this removed...
Company Response:
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There are a number of issues with this company. 1. I have contacted this company a number of times in an attempt to discuss this debt. Each time I call, I am told that I am being represented by a debt consolidation company. Each time over the last three years, I verify my information with the representative THEN we discuss that I am not nor have I ever given any debt consolidation company permission to represent me. Each time the representative states that they will add a note to my file and remove the FAKE cease and desist. 2. I have asked each time I have spoken to a representative to be mailed or emailed details of our correspondence. I HAVE NEVER received any mailings from this company. How can a company place an account on my credit report but not mail me any documentation regarding the account? The last representative told me it would take at most XXXX business days for me receive information in the mail. XXXX days later and I have not received any mailings. XXXX. This collection account is not associated with any other account on my credit report. Since accounts can not BE OPENED by a consumer with a collection agency then where is this account from? If the original creditor can not or is not reporting to my credit report because of invalid and unverifiable information then the COLLECTION account should be deleted as well. XXXX. If this company has a valid right to continue to report this account to my credit then WHY are they not required to send any mailings to the address they have on file? Why is this account not available on their online portal? IT just seems as thought they do not want to provide any written documentation but are allowed because they are a huge debt buyer to do whatever they like. Each time I file a complaint the CFPB allows the company to respond to my complaint WITHOUT valid information or evidence. What other recourse do I have as a consumer if the consumer financial protection bureau would hold company 's accountable?
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A