Date Received: 2022-09-23
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 has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : XXXX XXXX Account- # XXXX Resurgent/ Lvnv Funding- Account # XXXX XXXX XXXX XXXX- Account XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( XXXX ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 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 an 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. I send out several reinvestigation letters one XX/XX/2022, XX/XX/2022 and I have heard nothing from any, not even the letter stating they received my dispute or that my credit report was updated.
Company Response:
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received a collecting notice from LVNV funding XX/XX/21. I went through and still currently going through hardship. After receiving letters from them. I went to a 3rd party company XXXX to help me dispute this and they were able to help me close the account. This account was closed and settled a year ago but yet it is still affecting my credit report.
Company Response:
State: IL
Zip: 60077
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Resurgent is a third-party debt collector that without permission provided information to the credit reporting agencies This company also made a false representation of the character status and legal status of this alleged debt
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have no business with LVNV account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Received a letter from a Debt that is time-barred, last payment was in 2004. Asking for an amount including interest and this against my rights.
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: All of my accounts were up to date and current until I was laid off due to COVID-19. I continued to pay as long as I could but I contacted every one to let them know that a natural disaster was causing distress in my life. No one offered any options, alternatives, or other solutions. I also let them know that I was not eligible for unemployment. Shortly after that, my son was put on a XXXX for months until he passed away because of XXXX. No one would listen to me. All they wanted to do was sell my accounts to a debt buyer who asks for ridiculously high monthly payments and dont want to hear what I have been going through. Now because of XXXX, a natural disaster, I am punished for 7 years.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: this collection has aged out and they are still trying to collect, according to XXXX law there is a XXXX year expiration on these collections.
Company Response:
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
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: The amount on the credit report is not correct.other acc is beyond the statue of limitations.. And Im still being contacted by debt collector
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC has recently retained XXXX to act as a debt collector to collect on a debt not owed by me to the alleged original creditor XXXXXXXX XXXX XXXX XXXX expressly identified as an account number ending in XXXX. XXXX sent an UNDATED notice to respond by XX/XX/2022. XXXX has failed to validate the debt and also provide verification of debt as required by law. I hereby further dispute the account ending in XXXX with XXXX XXXXXXXX XXXX XXXXXXXX. and LVNV Funding LLC there is no balance amount owed of {$1800.00} and any updated balance amount. XXXX XXXX XXXX XXXX Is not my original or current creditor. There is no balance owed by me to XXXX XXXXXXXX XXXX XXXX At no time does XXXXXXXX XXXX XXXX XXXX. appear on my credit reports for any such account ending in XXXX.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was looking through my consumer report and noticed that an account with the account number referenced above was furnished by your company on my consumer reports. This account listed the following company as the XXXX XXXX XXXX XXXX XXXXXXXX This company is not the creditor, and I am putting you on notice that I disagree with this. Pursuant to 15 USC 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Keep in mind that providing me with statements of credit does not prove that the company that provided the statements is the creditor.
Company Response:
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A