Date Received: 2022-09-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FCRA the following companies LVNV Funding LLC account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX, & account XXXX have violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to privacy 15 U.S.C 1681 section ( B ) ( a ) ( 2 ) nothing can be furnished to my consumer report without my written consent 15 U.S.C 1681 section ( A ) ( 3 ) ( a ) ( b ) ( c ) any medical bills or information should not be on my consumer report.
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a debt collection letter from Resurgent Capital Services for {$250.00}. When I received it, I asked them to send me a copy of a statement showing why I owed this amount. When I found out that my credit card that I have never once used had a fraudulent charge on it for {$4.00}. I immediately called the credit card company and they refused to help and redirected me back to the debt collection agency. I was forced to pay {$250.00} to clear my account. They will not help me rectify this. How can they steal {$250.00} when the balance was only {$4.00}. I never once used this credit card. I don't know who it was charged and by an XXXX XXXX in XXXX. I live in XXXX
Company Response:
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Through covid I was having a hardship with work and my credit card companies sent my accounts to collections. Now my credit score is ruined and Im trying to get a house and I cant.
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX : 6 addresses, 7 closed account and 2 Collections that need to be removed from my credit report. XXXX : 7 closed account that Need to be remove from my credit report. XXXX : 8 closed account, 2 collections, 1 address that need to be removed from my credit report. These credit bureaus are reporting inaccurate information into my report WITHOUT MY CONSENT AND that is causing me to get denied for everything that I apply for. Even for an apartment, Im going XXXX cause no one want to lend me anything. These negative items in my credit report is causing me my XXXX XXXX. Im stress and Im going to loose it if XXXX, XXXX and XXXX do not Delete the negative items on my credit report. I have disputed these negative items on my credit report EVERY SINGLE MONTHS to get them out and they still not being removed.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Original creditor violated a settlement agreement. Debt was discharged, successfully disputed with debt collection previously. Original creditor re-sold it. Debt is for an LLC no longer in existence and pursuing individuals for it. Fraudulently pursued - same debt multiple agencies per attachments
Company Response:
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This is a 3rd part debt. I'm now being sued for damages for the amount of XXXX. All this came about when I exited the XXXX and I didn't even get served my brother in law did.
Company Response:
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Re : Re : XXXX # : XXXX XXXX XXXX ( XXXX ) Amount {$8500.00} Resurgent Capital Services, XXXX XXXX XXXX, L.P., and LVNV FUNDING LLC are seeking debt payment in the amount of {$8500.00} for a XXXX XXXX credit card that I secured through XXXX XXXX. I reply to them numerous times and told them that the account was paid in full since XX/XX/XXXX. From the day I secured the account, I set up auto-pay and pay the account until XXXX XXXX stopped taking payments in XXXX of XXXX. When I received the request for overdue payment from XXXX and then Resurgent, I told them the items purchased XXXX had 24 months interest-free and another one had 12 months interest-free. Further, I explained to them that according to the calculations of the total payment XXXX XXXX withdrew from my account. The credit card was paid in full in XX/XX/XXXX plus additional payments until XX/XX/XXXX. I asked them to provide me with a copy of the XXXX XXXXXXXX dated : XX/XX/XXXX to XX/XX/XXXX, which, it would show if they withheld the interest charge as stated on the purchase agreement. They have not been able to provide me with statements ( XX/XX/XXXX - XXXX XXXX ) and the credit collectors refused to remove the negative off my credit reports from all the bureaus.
Company Response:
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent Capital Services is in violation of the FDCPA by refusing to cease collection efforts after receiving written notification of my disputes against the collection accounts they claim I owe them money for. Resurgent Capital Services is also in violation of 15 USC section 1692 e ( 10 ) when they sent correspondence from XXXX XXXX XXXX on their behalf where XXXX XXXX XXXX claimed Resurgent Capital Serivces to be the creditor of the debts they claim I owe them which is provably false. The law is very clear regarding false misrepresentation and deceptive practices, and them allowing XXXX XXXX XXXX to represent themselves as creditors is false. The same thing happened to a consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services, and resulted in a bench trial and the conclusion was that Resurgent Capital Services had to pay {$250.00} per FCRA violation to XXXX XXXX They very clearly violated 15 USC section 1692 e ( 10 ) by doing the same thing to XXXX that they have recently done to me by allowing a company who represents them to send me correspondence that list Resurgent Capital Services as the current creditor which again is provably false. This correspondce from XXXX XXXX XXXX was also sent during a time when I had open disputes against Resurgent Capital Services regarding their inaccurate unvalidated credit reporting, and was also sent during the 30 day waiting period of receiving my written disputes. This is a violation of federal law which states that when a debt collector receives written notification a consumer dispute they must cease collection efforts for 30 days to complete a fair investigation. Unfortunately Resurgent Capital Services failed to abide by this law. I do not and have never had a contractual obligation of any kind with Resurgent Capital Services, nor can they provide any documentation showing that I have a signed contract with them regarding the two accounts they say I owe them money for. In fact, in XXXX of this year I requested for Resurgent Capital Services to provide a sworn notarized statement by a person who originally had knowledge of the alleged debts and they have failed to provide such documentation, and are continuing to report the negative tradelines. I also believe that Resurgent Capital Services is in violation of 15 USC section 1681 a ( b ) which prohibits collection agencies from reporting payment history on collections accounts. I have printouts of my credit reports from all three credit bureaus that show that they are reporting payment histories on collection accounts which is a very clear violation of the FCRA. I am demanding that they address and resolve my claims by deleting the negative tradelines from my credit reports and to cease from selling the collections accounts to another entity with prejudice. And this goes for both negative tradelines they are currently reporting.
Company Response:
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: PLEASE SUBMIT VERFICATION OF BALANCE REGARDING XXXX XXXX XXXX XXXX THIS DEBT WAS PAID BY ME VA MONEY ORDER AND SHOULD NOT HAVE BEEN FILED WITHIN THE BR COURT OR IF PAYMENT WAS MADE AFTER XX/XX/2018 IT SHOULD NOT SHOW A CLAIM BALANCE. IF DISCHARGED THERE SHULD NOT BE A CLAIM BALANCE, A CLAIM WAS SUBMITTED INTO MY BRC FOR XXXX
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XXXX I was sued by LVNV funding. I was never properly served, so in XXXX of XXXX when the attempted to levy my bank accounts I filed motion to stop levy and motion to reverse judgement. I won. Immediately I requested for validation of debt and they had until XXXX they failed. Now they are still refusing to remove debt. In Nebraska the statute of limitations is 4 years for credit card debt and yet they are still refusing to cease collections and remove from credit report
Company Response:
State: NE
Zip: 693XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A