Date Received: 2022-09-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money. UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me. 15 USC 1602g - I the consumer am really the creditor!
Company Response:
State: CT
Zip: 06112
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I sent a letter to LVNV asking to validate the account they were reporting on my credit report. Then on XX/XX/2022 I send a letter requesting additional details to which I never got a response.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Resurgent/PYOD LLC . is reporting a debt of an original creditor, XXXX XXXX XXXX, which has been discharged by a XXXX XXXX bankruptcy in 2012. I previously requested through the dispute process of the credit bureaus, that the company provide the original contract for this account as part of the validation process. As a response to my request, I received a letter from their company requesting that I call their office. I understand that they are required to fully verify the above disputed items within 30 days, or they must delete the item from my credit report. It is also my understanding that they are required to do this under the FCRA 609/611 provisions. I have reason to believe that they are illegally collecting and reporting on a debt included in my bankruptcy. Thank you
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft. I have filed serval police reports regarding this matter. I have certified mailed my police reports and requests directly to the creditor, the collection agency and to the credit bureaus asking for answers and help. The original creditor is XXXX XXXX XXXX and the collection agency is LVNV Funding LLC. I have no knowledge of these accounts. This is hindering my life.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: It says the account was opened on XX/XX/2022 and the account reported on my consumer report XX/XX/2022. The debt collection agency by the name of LVNV FUNDING LLC has illegally reported this account on my report in the amount of {$410.00}! They have also committed identity theft, reporting an account that is not mine on to my consumer report! Im not sure how to take action on the company because I dont know any account numbers or how they even got my information! I havent received any calls or any emails stating that I owe any balance to any company. It just appeared on my report and gave my score a huge negative impact.
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is my second complaint against the following companies. Resurgent Capital Services L.P. ( " Resurgent '' ) and LVNV Funding LLC ( " LVNV '' ) are in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) 15 U.S.C. 1692f ( 1 ). The company is also engaging in racketeering activity and defamation of character. 1692f ( 1 ) prohibits debt collectors from making any attempts to collect on a debt unless expressed in the original agreement. The credit card statements, credit card agreement, and the chain of custody documents are all general. The company does not possess any account-level documents that would identify me as the debtor. They admitted this in their attached response. Please note that this Account is not specifically referenced in the attached chain of assignment. See Exhibit A CFPB Complaint Response The documents attached to the response do not address the accuracy of the documents. Many debt collectors have purchase agreements from original creditors that admit to their files not being accurate. In order to provide proof of claim you must show account-level documents that identify me as the debtor. Resurgent and LVNV are attempting to collect an alleged debt in the amount of {$690.00}. There is no contract that gives the company the authority to do this. Therefore they are in violation of the FDCPA, spreading false information about me to third parties and attempting to swindle me out of money. These crimes are held criminally liable under Title 18 with a fine of up to {$500000.00} and 20 years jail time. To be clear, I am disputing this debt and invoking my right to obtain documentary evidence, in accordance with 15 U.S.C. 44 for the records as described in IRS Publication 583 for Account ending in 8079. In the event that Resurgent and LVNV do not have the documentary evidence I demand they immediately cease collection, XXXX out the account and delete the debt from my consumer report. Failure to comply may result in legal action.
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV Funding LLC this account was opened from identity theft. I have tried and tried to explain this, but am told the information is accurate. Of course its accurate that is how the account was opened in the first place. My unemployment insurance was even hacked. The only things that should be on my account is my XXXX loans and XXXX XXXX XXXX I put it on my mamas grave i did not open, nor do i have knowledge of this account. Im not sure what else i can do to get this removed. They act like im XXXX about it. I have no reason to whatsoever. Im just trying to recover from all the problems Ive had since my identity was taken. Even my unemployment was hacked. First they hacked the account and once i got that straight and unemployment was exhausted, they tried to open a new claim. I had no knowledge of of this account until i seen it checking my credit scores. Thank you for any help whatsoever in this issue, it is much appreciated!!
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXXXXXX says I opened an account with them I believe in XX/XX/XXXX or XXXX I have tried disputing this many times on there website XXXX I believe it's called whatever the company that took it over for collections the amount is XXXX XXXX and its the only bad thing on my credit report I have tried many times to have someone hear me out but everytime I try disputing it they just ignore it or don't do anything I know for 100 percent fact I never opened anything through any credit company and I tried to explain I believe my actual birth sister did it because she has done it to other family members and she knows my ss number and all of my info because our ss numbers are exactly the same except our last 2 digits I just need help getting this resolved because if I didn't have this on my credit report I would of been able to do things like purchase a car or a home but this negative thing is stopping me if I did it I would of owned up to and made it right but I didn't and I don't have the money to hire someone to help me dispute it correctly
Company Response:
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC is using Resurgent Capital Services to contact me without my prior written consent about an unverified debt that is not owed. LVNV funding LLC is in direct violation of my consumer rights pursuant to the Fair Debt Collection Practices Act. LVNV Funding LLC has no business transactions with the consumer and now is a debt collector acting as a creditor. I do not consent to this harassment by LVNV Funding LLC. I do not have a contract or any transactions of credit with this agency. I previously served this company with a Cease and Desist from contacting me with false and deceptive forms that they made up of alleged debt. LVNV Funding LLC claimed to verify this allege debt with a false and misleading form. Verification is a sworn statement under the penalty and perjury of law of first hand knowledge and facts that I owe this alleged debt. This communication is unwarranted. Federal litigation will begin soon for direct violations from this company. Statement from another company is not verification. LVNV Funding LLC is committing mail fraud through interstate commerce. XXXX XXXX has given my nonpublic information out to this company without my consent. This contact from them is causing me significant harm and stress to my life and financial hardship.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RESURGENT CAPITAL SERVICES has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. RESURGENT CAPITAL SERVICES illegally obtained personal and private information. I did not grant RESURGENT CAPITAL SERVICES permissible purpose to obtain the information. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist of any further use of my personal information. Provide all information obtained illegally pertaining my personal and sensitive information. Provide acknowledgment of this official notification that I am opting out of any contract opportunity with you. Do not make any further attempts to contact me nor coerce me to do any business with you or the entity you are employed with. Ignoring this notice will be evidence that the infringements were willing, deceptive, and in violation of consumer privacy. TRACKING # XXXX
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A