Date Received: 2022-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Item has been paid and yet creditor is still reporting it it is now impacting my ability to secure a mortgage
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contacting these companies several times. I have notified them several times that the accounts they are reporting are fraudulent accounts that were not authorized by me. XXXX XXXX stated they were going to resolve the issue. I've spoke with several reps with most of them saying they don't see the investigation. LvNv funding only updates the report as disputed and they continue to verify the account as accurate and it's not. XXXX XXXX same issue as LVNV funding. It makes no sense that I'm having to fight so hard to get my idenity back and these companies allowing people to open accounts in my name. XXXX has allowed these thieves to open not one but 4 cards in my name 2 of the four is with the same store. This has made my life XXXX. And the worse part whoever took advantage of me did it while I was in an induced XXXX waiting for a XXXX XXXX. Please help me in fixing this.
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had noticed a charge on my credit report for LVNV FUNDING I had no idea what that was so I sent a debt validation letter to them last summer XXXX which they did not respond to. The very first time I was contacted by LVNV Funding themselves, it was to be served because they were suing me XX/XX/XXXX. The case had a set date I believe XX/XX/XXXX and then XX/XX/XXXX but ultimately the whole thing was cancelled. I called in XXXX before the first court date in an attempt to settle and was told I would be contacted shortly. XXXX came and I still was not contacted. I received a letter in the mail stating my court date had been pushed back to the XXXX, and a few days later I got a letter saying my court date was cancelled. I called LVNV again trying to understand what happened, left at least 5 voicemails for a XXXX that works there ( that I was waiting to be contacted by. ) I called a general line at LVNV and was able to talk to someone who said that my profile was set on do not disturb status which I never requested. They also were able to clarify what this debt was for, which was a XXXX account. I asked for that to be reset because I wanted to discuss this. The agent said he was unable to, again being told I will be contacted through mail & again never receiving anything, even after confirming my mailing address. I see it every time I check my credit report, and they have now added on $ XXXX in charges and I havent been able to discuss anything with anyone let alone set up a payment plan to settle the debt. I really need them to either contact me so I can settle this matter or remove it from my credit report so it stops harming me and my reputation
Company Response:
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: These people have been harassing me multiple times daily. I have 6 calls from them on XX/XX/2021 all before XXXX. They call me late at night. I repeatedly spoken with them and told them to stop contacting me because I am going through a legal process with the creditor they're claiming this debt is owed to. I have an upcoming court hearing this month for this matter. She would not identify who she was and was asking me to verify my information before she would tell me where she was calling from. Very rude!
Company Response:
State: MA
Zip: 01605
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
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 both XXXX and my XXXX Credit report I have XXXX XXXX reporting a negative and charge off there are 2 accounts they both also have been sold to lvnv funding and they also are Reporting a charge off under XXXX XXXX. With lvnv funding name. This is against the FDCA and The FDCRA on both parties, They both have been contacted XXXX XXXX said to contact Credit bureaus to get removed was not there problem. I contacted both transunion.com and XXXX they refuse to remove. It's is 100 % against the fedal Credit law to keep reporting from both parties.
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a federally protected consumer and I am concerned that Resurgent Recievables may be in violation of my rights to privacy by violating the fair credit reporting act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Resurgent Receivables and its affiliates solicitations and never gave Resurgent Receivables or any of its affiliates direct to solicit anything to consumer reports. Due to Resurgent Recievables and its affiliates negligent behavior I have been substantially injured and intend to file suit should my demands not be met.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding is attempting to collect three credit card debts that have been negotiated and settled with the credit card companies DIRECTLY. LVNV Funding is FRAUDULENTLY reporting accounts that it has no legal right to report nor attempt to collect.
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding is fraudulently reporting a collection account for a credit card that has been negotiated and settled with XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A