Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV Funding LLC C/O resurgent capital services is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of metro 2 fair credit reporting guidelines Validation of debt doesnt consist of bill statements this account doesnt belong to me This account is inaccurate, isnt mine this account needs to be removed
Company Response:
State: TN
Zip: 37876
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
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: PLEASE STOP CLOSING MY DISPUTES AS A DUPLICATE! IT IS NOT! This is my THIRD CFPB complaint. I previously filed a complaint and my matters were not addressed during the resolution. I informed you, the CFPB, AND XXXX, that, - XXXX, and XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX are in violation of one or more U.S. Codes. Due to this going ignored during my last dispute, I will list the violations AGAIN. First violation : 15 U.S. Code 1681i : XXXX received my dispute letters sent via certified mail, and never followed the proper procedure upon disputed accuracy. I also never received the results of any alleged investigations, nor any physical documents baring my signature, nor did I even receive a copy of my credit report. Second violation : 15 U.S. Code 1681s2 : It is prohibited to continue reporting information upon receiving notice by the consumer that the information being reported is believed to be incorrect by the consumer. Since my very first dispute a year ago, the information I disputed never ceased reporting. Third violation : 15 U.S. Code 1681c2 ( a ) : The information was disputed as identity theft, and was never blocked within four ( 4 ) days of receipt. The next violation is 15 U.S. Code 6801 : My nonpublic information is not being protected! The financial institutions listed above are sharing my private information without my consent! I was also never provide with a clear and conspicuous notice or disclosure that allowed me to exercise my right to opt out of reporting. This choice was taken from me. On top of that how in the world did the third party collection agencies listed above obtain my social security number and personal details? I really need for you to look into this for me. 15 U.S. Code 6802 also states that my nonpublic information is not to be shared with nonaffiliated third parties such as credit reporting agencies, in this case XXXX, and others, without my expressed consent or discretion. No consent is identity theft! Congress states under 15 U.S. Code 1681 that credit reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and respect the consumers right to privacy. I am being treated unfairly, and my right to privacy is NOT being protected! Especially by continuing to report this information. Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactions and experiences between the consumer and furnisher is to be " excluded '' from consumer reporting. Again, I never consented to any of this! There are more violations, but I will stick to these for now. There is no way that any human interaction occurred during this alleged investigation! Speaking of, I never consented to XXXX, and do NOT consent to XXXX going forward. Due to the reasons expressed above and more, I am demanding that XXXX immediately delete the disputed information. If not, I will have to seek legal council. Each and every day that goes by causes more harm and injury to me which will be reminded through monetary relief.
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is in reference to an alleged debt Ive been harassed and abused by Resurgent/LVNV Funding for. I was notified by your company of the alleged debt again recently on XX/XX/2022. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Resurgent/LVNV Funding and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXXXXXX XXXX XXXX XXXXXXXX a copy of the Consumer Contract is not sufficient evidence of debt. Due to your continuous act of deceit, coercion, and intimidation, I am forced to take further litigation and seek compensation for damages through a competent common law court. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. If any negative mark continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Aggravated Identity Theft and Conspiracy. The alleged " " creditor '' reported this on my Consumer Report as " charged off. '' It means that the creditor will no longer attempt to collect this alleged debt owed by them. I would like to know for what price did you purchase this debt? I hereby grant your Resurgent/LVNV Funding the opportunity to amicably resolve the matter by way of doing the following ; 1. Deletion from all consumer reports 2. Clear away any alleged balance owed THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. You shall be granted thirty ( 30 days to respond. If there is no response to this complaint within the prescribed time period, all legal rights shall be explored, including, but not limited to legal proceedings necessary in accordance with State and Federal laws. Thank you for your attention to this matter
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a collection with XXXX Illinois that isn't mine
Company Response:
State: IL
Zip: 61832
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX an XX/XX/XXXX LVNV FUNDING LLC added derogatory marks on my credit report per XXXX XXXX. upon, further research, these accounts were transferred/sold an I am no longer responsible for these accounts debtors creditor did not verify these collections. Also, there was no written form of communication, contract, or signature for these accused debts at all. A bill without out a signature does not validate these debts and anyone can send a bill an say its mines. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer an I am requesting legal actions to remove these accounts immediately.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: So again Ive hired XXXX XXXX to deal with these XXXX cards that were identity theft and they did charge jobs with XXXX XXXX XXXX and whatever other company it was called I cant think the stuff is stressing me out but either way I have been playing XXXX for quite a while I am being harassed by these companies they keep switching companies and going after me still even though they know that someone had identity theft at me so the new company now that theyre sending the debt to is XXXX XXXX XXXX XXXX will re-forward everything I sent these people and attach them to these files Once again sincerely XXXX XXXX
Company Response:
State: WA
Zip: 98671
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent Capital Services, as a non affiliate third party to XXXX XXXX XXXX, Resurgent has possession of my nonpublic information and is trying to extort me for {$1300.00} by communicating to the credit reporting agencies. The company purchased my nonpublic information and the alleged debt from XXXX XXXX XXXX. Via the CFPB COMPLAINT # XXXX Resurgent sent a letter stating they validated the debt and sent statements with my sensitive nonpublic information and an unsigned card agreement with no opt out form as proof of validation. Federal courts ruled in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, that the account and general ledger statement signed under penalty and perjury and dated by the party responsible for maintaining the account is proper validation. Resurgent has misrepresented the character of the debt and committed aggravated identity theft. Also, they are unlawfully attempting to do business non licensed and non bonded in the state of New Jersey, which I s prohibited from attempting to collect a debt as a debt collector. These are multiple violations that are subject to monetary relief.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Extended Complaint regarding case # XXXX. The FDCPA has already defined what communication means via 15 usc 1692a ( XXXX ) The medium that LVNV funding LLC has chose to use is my consumer report for an alleged debt I do not owe. Secondly another violation LVNV funding LLC has furnished very deceptive forms making it seem like a creditor and LVNV funding LLC is attempting to collect a debt. which is a violation of the FDCPA 15 usc 1692j according to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This has cause distress in my life and is harassment regarding a debt I do not owe this has cause the undermining of my credit worthiness and as prevented me from acquiring a mortgage and has put me into a deep harmful XXXX. The ways these debt collectors prey on consumers has to be stopped this is not fair and that is why congress put into place the FDCPA and STILL companies dont follow the law. I really hope congress finds a way to stop the abusive practices from debt collectors that try anyway they can to take from consumers as a profession. During the congressional findings congress found this to be true and accurate. That there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy
Company Response:
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
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: Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2019 a credit card from XXXX XXXX XXXX bank was opened for XXXX dollars this was not me and I want it removed from my credit
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A