Date Received: 2022-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been fighting this account for years to no avail. I have sent in proof showing I was in the XXXX for a long period of time due to being diagnosed with XXXX. I had many accounts that popped up on my credit profile that weren't mine, but I was able to get them removed. This account has been removed, added, updated and everything in between. I'm wanting to purchase a XXXXe one day and don't think its fair that someone took advantage of me while I was at a weak point in my life, but after proving this account isn't valid, its still not being removed. Please help.
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent stated that they purchased this alleged debt and they have " all rights to ownership, they have the right to collect and the right to report to the consumer reporting agencies. Please provide that proof and the FORWARD FLOW AGREEMENT between the " Current owner '' and the " Original owner ''. Also, provide an invoice/ bill of sale of this alleged debt. I am also requesting the aggregated value of the purchase OF THIS ALLEGED DEBT between the CURRENT OWNER AND ORIGINAL OWNER ... RESURGENT IS REPORTING THIS ALLEGED DEBT TO MY CONSUMER FILE, IS ALSO A VIOLATION UNDER FCRA, ACCORDING TO 15 USC 1681b ( a ) ( 2 ) I, the federally protected consumer never gave written instructions to furnish anything on my consumer file. Please send me proof that I gave the " original OWNER '' or the " current OWNER '' WRITTEN permission to report or furnish anything on my consumer file.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX and XXXX XXXX on behalf of LVNV/Resurgent Capital ( Sherman Acquisitions ) has revived a default judgement for approximately XXXX. The initial default judgement was issued in 2008, and as such 14 years has elapsed. I am unable to contact the original creditor, nor the agency/entity that claims to have completed proper notice of service. I was never served to appear for this debt and XXXX and XXXX dismissed my Motion to Vacate the judgement based on the claim that I was properly served a Notice to Appear. It should be noted that the original creditor no longer offers this financial product in my state and has/will not respond to inquiries. It should also be noted that this account has been handled by no fewer than three collection agencies and two law firms and I am unable to get information on the Notice to Appear document that was allegedly served.
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : LVNV FUNDING LLC, Account Number : XXXX has violated my rights to privacy. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: RESURGENT/LVNV FUNDING has reported a collection on my account even though I have a seven-year fraud alert placed upon my account. They have never notified me of this debt via mail, phone, or with a signature to confirm I have received their notice.The credit card associated with the original creditor was reported as in Good standing on my XXXX report but also reported as stolen because my identity was stolen.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding LLC {$390.00} debt is showing and this account has been paid and is inaccurately being reported. I requested immediate deletion but they only added a remark saying " customer disputes this account information ''
Company Response:
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC has committed multiple US Code violations against I, the consumer. LVNV FUNDING LLC has also committed identity fraud by opening an account in the consumers name without prior validation and verification of debt pursuant to 15 USC 1692g. LVNV FUNDING LLC is in violation of 15 USC 1692e stating false and misleading information. LVNV FUNDING LLC is actively reporting to the credit reporting agencies and allege debt account that has not been validated per 15 USC 1692g. LVNV FUNDING LLC failed to be clear and conspicuous with their method of debt collection.
Company Response:
State: MA
Zip: 01845
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Lvnv funding LLC is charging for a debt that was already charged off and wrote off by the original creditor that I signed a legal contract with. And by lE it's illegal to collect on a debt that was already paid for by law. Section 604 15 USC 1681E ( B ) Section 605 A 15 USC code 1681 C-1 Section 605 B 15 USC code 1681 c-2 I tired of the false/fraud from this company. Not only that this company is not licensed in the state of New York. They are reside in the state of Nevada. It's illegal all the way. This has cause me to have XXXX and XXXX because of this false information I can not move on with my life and I don't think this is fair to any individual. Thank you.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: LVNV FUNDING LLC IS STATING I OPEN AN ACCOUNT WITH THEM XXXX XXXX AND OWE {$9300.00}. MY ORGINAL CREDITOR IS XXXX ACCOUNT OPENED XX/XX/XXXX. LAST PAYMENT MADE WAS XXXX XXXX AMOUNT OWED {$750.00}. IVE WRITEN LETTER AND THEY ARE STATING I JUST OPENED THIS ACCOUNT. THIS SHOULD HAVE BEEN REMOVED FROM MY CREDIT XX/XX/XXXX. IT IS BEING REPORTED EVERY MONTH AS A NEW DEBIT.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A