Date Received: 2022-10-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Contacted a company called XXXX XXXX services on XXXX XXXX after Ive gotten multiple emails stating that I owed a debt into which I stated id pay until I throughly looked at the debt and notice its over 7 years old ..I asked company for original creditor information which was met with silence.They then stated the account wasnt with them and i need to call LVNV funding I called and asked if they could send information in which they said yes but Ive NEVER received anything from them before I asked the company for the said information.The caller also named a debt I know for a fact isnt mine
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Have multiple delinquent credit card accounts/loans on my report that I never was aware of or made.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I pulled my consumer credit report and saw inaccurate information being reported by a debt collector. This debt collector has not provided evidence that this alleged debt belongs to me. They pulled my credit without authorization when they received my validation letter on XX/XX/2022. I did not give them consent. I have a right to privacy.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This notice is to inform the CFPB and your office that you are reporting invalidated information on my credit file. In respects to the Fair Debt Collection Practices Act, The violations are as follows ; Purchasing and parking a junk account which is currently on fraud alert. Illegally re-aging the account by almost five years, in order to keep it on my credit file for a longer period of time. Willfully ignoring a cease and desist order. Your actions constitute fraud under both federal and state laws.Your lies and fraudulent ways of conducting business have caused significant harm to my mode of living. If this invalid item continues to be reported on any of my credit files by your company, I will not hesitate in bringing legal action and seeking maximum remedy against your company for attempting to plunder and defame my character. I am sure your legal staff will agree that non-compliance will put your company in serious legal trouble with the Federal Trade Commission and other state or federal agencies. If your offices are able to provide the following documents Agreement with the party that authorizes you to collect on this alleged debt. The legal order from a judicial court. An agreement with your company bearing my signature stating my legal obligation to pay this alleged debt. Valid copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date. Proof that the statues of limitations has not expired. Complete payment history along with an accounting of the debt and all additional charges being accessed. Proof that you are licensed to do business in the state of Texas. Your license number and registered agent. Identification number of the state ID used to obtain the alleged line credit. The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file. By notifying you of my Notice of understanding and claim of right, I have thereby notified all applicable agents.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: CFPB + Resurgent Capital Services LP, I received in the mail a letter from Resurgent Capital Services LP that says I owe a debt. I am requesting validation of this debt - enclosed with this complaint are : - my drivers license to show identity + mailing address - My social security card - Letter I received from Resurgent Capital Services LP - My debt dispute letter I am requesting this creditor to stop contacting me over a debt that I do not owe.
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I sent the debt collector ( LVNV Funding LLC ) a debt validation request letter. They received it on XX/XX/XXXX and signed when the letter was in their possession. On XX/XX/XXXX they sent me a failed debt validation and instead sent me a debt collection notice. The debt collection was written in XXXX which I do not speak or read as a delay tactic. I have sent all letters and communication in XXXX so there is no reason why they should have responded in XXXX.
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Multiple accounts were opened using my personal information. The fraudsters were able to have my mail forwarded to another state. Scammers used my info to open bank accounts and even obtained government funding. This has been a difficult process and a major set back financially. Ive attached a police report, and also an identity theft report.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: U S C 1681 Section 602 A An direct unlawfully report on my credit report. U S C 1681 Section 604A Another direct unlawfully reporting on my credit.
Company Response:
State: TN
Zip: 38138
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: XXXX XXXX XXXX filed a lawsuit against me at an address I haven't lived at in years on behalf of CACH , LLC. I called the court and let the courts know, and they put a note in my account and also requested that all court dates be virtual going forward and they told me to call XXXX XXXX XXXX to find out what the charges are for. I then called XXXX XXXX XXXX to let them know that I do not live in NY state. I also knew nothing about the charges so I asked them what the charges are for. They read off a creditor name that I did not recognize and asked me to pay somewhere upwards of {$3000.00} for these charges. I still do not know what the charges are for. I informed them that I live across the country, and have not lived at that address in years. I then asked for the dates of these charges, and the date of delinquency/last payment. They said the date of delinquency was in XXXX, which would be past the NY State statute of limitations, ( which is 3 years ), and past the FDCPA statute of limitations ( which is 7 years ). When I brought this up, the person I spoke to, got agitated and said they were not a lawyer. I then asked to speak to the lawyer, as I'm a pro se self represented litigant. She said " he's not here right now ''. I mentioned the statute of limitations again, and they told me to work it out with them ( right then and there ) or " just go to the courts then '' knowing I live across the country ( in a completely different time zone ) and I would spend more money on plane tickets and transportation to even get there and back. I also have a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and can not just fly whenever I feel like it. I can provide my hospitalization records to show that, if needed. I requested a call back last week, so I could speak to the proper lawyer, and I have not received any call back yet. The line also disconnected when I was trying to confirm the call back number to speak to them. I think XXXX & XXXX said the creditor name was XXXX XXXX XXXXXXXX '' but I'm not 100 % sure because the person I spoke to muttered the name. I called CACH , LLC at their XXXX number on XX/XX/XXXX, but was unable to get much help because I had to know what type of account it was. I finally got through to someone in the queue and they gave me a different creditor name of XXXX XXXX. I also informed them that I am out of state as well. I told them that I do not recognize that creditor name either. They initially agreed to send to me a copy of the contract documents today ( XX/XX/XXXX ) .... ( and after the lawsuit has already been filed ) so I could see what the account charges are for. I also gave my current address, where I have paid to have mail forwarded for a few years, and I have not seen anything from CACH or XXXX XXXX XXXX on this matter. I also asked for all original documentation. They put me on hold. They came back on the line and stated that they actually want to hold off on sending me the contract documents for now so the account can be reviewed ( I'm not entirely sure what that means ). They also told me they would possibly be recalling the account from XXXX XXXX XXXX XXXX and to call them back in 72 hours to get an update. They said they were not denying my request for the original documentation, but to give them a few days since there has been a lot of back and forth and a lack of information, that should have been discussed and/or presented prior to getting sued. I also expressed again that I was hospitalized with a pulmonary embolism and that I do not fly due to that health reason. I have XXXXXXXX XXXX even when im on the ground. I expressed how frustrating this is to be sued for something and not know exactly what it is for.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, XXXX XXXX, NATURAL PERSON, contacted Resurgent capital VIA TELEPHONE at XXXX at XXXX XXXX, XX/XX/2022. I spoke TO a YOUNG LADY NAME XXXX AND A SENIOR CUSTOMER SERVICE REP. NAME XXXX. THEY STATED THAT THEY CANT DISCUSS ANYTHING WITH ME BECAUSE I PLACED A CEASE & DESIST ON THE ALLEGED ACCOUNT. THEY SAID AS OF XX/XX/2022, THE CEASE & DESIST WAS PLACE ON THE ALLEGED DEBT. THAT MEANS ALL COMMUNICATION HAS TO STOP EVEN ON MY COSUMER REPORT. ACCORDING TO 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. IN ADDITION TO THIS DEMAND PURSUANT TO15 USC 1681a ( d ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for DELETE IMMEDIATELY
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A