Date Received: 2022-09-30
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the federal reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions under 15 USC 1666 be a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Within the past week, XXXX XXXX from LVNV funding contacted a relative, gave detailed and personal information about me, and about the debt owed. She used scare tactics and false information. She also gave out my address, and birthdate, among other information.
Company Response:
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have in collections a debt that is not mine, i have been having identity theft issues since 2018. Resurgent receivables LLC is the debt colector for XXXX XXXX bank. Who i supposably owe {$860.00} reference id is XXXX. I am not responsible for this account, Neither did i approve ant transaction under my identity. Please remove.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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: On XX/XX/2022 I sent a validation request to LVNV funding, XX/XX/2022 LVNV responded with a bill printed by them. On XX/XX/2022 I sent them back a failure to validate, they sent nothing to me that showed I owed the amount they are alleged asking for. On XX/XX/XXXX, XXXX Resurgent then proceeds to send a letter stating some other company XXXX XXXX is servicing account, but still sends me no proof that this alleged debt is mine, XXXX I sent another letter stating they have violated fdcpa and FCRA laws. This is deceptive and they are violating Federal Laws, Ive included all the communication as well as a copy of my credit report.
Company Response:
State: OK
Zip: 74011
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX was not allow to text or call my cell phone for an account I have with their office. I told the rep XX/XX/2022 I don't give XXXX XXXX permission to text or call my phone. This company is sending me text messages. I didn't consent for XXXX to reach out to me via text.
Company Response:
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Messed up my credit score due to false allegations and no knowledge of account refuse to remove reported this over 6 months ago company harassing me visa email and phone about an account that's not mine. About XXXX in debt wrong person
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am receiving letters that states the creditor will reduce amount if paid by a certain date. They have reported the debt to the credit bureaus as delinquent. The debtor says that it was opened in 2020. I have disputed this through XXXX XXXX first then directly to the credit bureaus. XXXX XXXX and XXXX have gotten information back that it is an accurate account. I did not open this account or any account in 2020. I have no knowledge of who the creditor is. I have been given the information that if I communicate directly with the creditor, it will be like I acknowledge information of the debt. I don't want to add fuel to the fire, so I will not communicate directly with them. This has a negative impact on my credit score and I need help removing this creditor.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Between XXXX XXXX XXXX, Ive notice multi things in my name that I haven't applied for or ever even heard of addresses with my name attached that Ive NEVER lived at. Even with some inquiries. My husband that I was trying to divorce may have been using my identity before he passed due to XXXX on XXXX XXXX.
Company Response:
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX acct # XXXX amount {$220.00} was removed from my credit report in XX/XX/2022 after I hired an attorney to validate, pay off and clear up in valid debt that needed to be clear, this account was disputed and removed due to FRAUD XX/XX/2022 of this year. As of XX/XX/2022 this account was sold to LVNV FUNDING LLC Acct # XXXX {$220.00} and added back to my credit report. This account is fraud. I've never done any type of business with any of these companies and I don't owe this debt
Company Response:
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Open or closed account in my name that doesnt belong to me please remove from credit report
Company Response:
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A