Date Received: 2022-08-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. I would like to file a complaint on XXXX XXXX Account # XXXX in the amount of a {$800.00} Credit Limit as well a XXXX XXXXXXXX Account # XXXX where both accounts are now showing on my consumer file as delinquent. I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking with my daughter and providing her with information regarding this debt advising debt information on a few occasions as well as via text messages, this violates 15 USC 1692 ( b ) ( 2 ) also by submitting XXXX XXXX Post cards/mail with logo which violates 15 USC 1692 ( b ) ( 4 ) ( 5 ) 15 USC 1692 ( d ) Harassment or Abuse this debt collection agency may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limited the general application of the foregoing, the following conduct is a violation of this section. This debtor has done so by repeatedly and continuously harassing me by causing telephone to ring, with the intent to annoy abuse and harass my daughter and I. I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I XXXX XXXX has been going through a financial hardship and has been violated by LVNV FUNDING LLC, LVNV FUNDING LLC is reporting to consumer reporting agencies about an alleged debt, and calling family members about debt. Pursuant to 15 usc 1692 ( b ), Title 15 usc 1666 ( h ) XXXX XXXX- {$720.00}
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Commuications are being hijacked. Receiving fraudulent mail pieces.
Company Response:
State: TX
Zip: 77016
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurrgent is a debt collection agency that is representing LVNV Funding. I disputed this account with the credit bureau and according to XXXX, this debt was verified. I then sent a certified letter to Resurrgent on XX/XX/2022 for debt validation of this account. I never heard anything from this company. In fact, I sent the confirmed date from the USPS and copies of the certified letter sent to Resurrgent to XXXX on XX/XX/2022. The letter sent to XXXX clearly stated to remove this debt due to the failure of the company Resurrgent not verfiying the debt. I provided clear documents to XXXX to have this removed, instead XXXX sent me another " verified '' debt from Resurrgent/LVNV Funding LLC . I contacted XXXX on XX/XX/2022 and spoke with a XXXX representative advised the rep the exact information as stated above and stated that Resurrgent verified twice with them and refused to delete. Pleas advised what steps are needed to get this done,!
Company Response:
State: TX
Zip: 78574
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account was never mine! I'm not familiar with this account. I never agreed to anything with this account. I should not be held responsible for this account because it is not mine! I've already asked this account to validate this account, and it has failed to do so.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i am a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LNVN Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LNVN Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LNVN Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LNVN Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account is in direct violation of 15 USC 1692g I was not notified of ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed and 3 within 5 days of the initial communication. The next time I contact you I will be sending an Affidavit notarized with an invoice and exhibits and violations you have broken by placing this consumer report on this account.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: They Continue to email, send letters and make phone calls. I paid off the original credit card company ( XXXX XXXX Bank ) back in XXXX of 2021 right before they bough the debt. since then, they have been fraudulently and wrongfully reporting this debt on all three credit bureaus and have failed to provide any kind of evidence of the debt. I have been asking for evidence or verification of the debt for a year now, with no response and now they are threating to re-sell this invalid debt to another collection agency and further harm my credit rating as a result.
Company Response:
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed on my XXXX XXXX a negative account which if you look at my accounts on XXXX XXXX they are all paid on time. an account LVNV is on my account says its origins are from XXXX so i check my XXXX XXXX account and that account is fine and in good standing its linked to my bank account so I call XXXX and they ask me if i called the the lvnv company i said no dident know i could they said yes so i filed a dispute with both of them this was XXXX. I speak to XXXX today and they said lvnv is not removing it so i need to file an ftc report the bill is only just over XXXX us currency I could afford to pay it but why should i have to pay for something that does not belong to me. XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In the last year I began to receive letters from a collection agency for a debt that is not mine. The collection attempts were from recurring charges that appeared on my credit card account in XXXX to XX/XX/2020. The bank removed the charges and provided me with a new card number. XXXX XXXX deemed the charges as fraudulent and I was not responsible for payment. The vendor, XXXX, did not initiate a chargeback of the charges or provide evidence to validate the charges with XXXX. XXXX did not record the charges as fraudulent within their own system hence why I am now getting collection attempts. I have provided the collection agency, Resurgent, with a letter requesting that they cease and desist collection and a letter from XXXX indicating the charges were fraudulent and stating that I am not responsible which is dated XX/XX/2020. I also completed the company 's affidavit indicating the charges were due to fraud and not mine. Resurgent is still attempting to collect payment from me. I will not pay for a debt that is not mine. I will not hesitate to sue XXXX and Resurgent if this debt is reported to the credit reporting agencies and show up on my credit report.
Company Response:
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A