Date Received: 2022-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act my rights have been violated. 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 a account without my written instructions I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Company Response:
State: MS
Zip: 39402
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2021 to current for XXXX this was for a credit card bill max XXXX before went to collections paid off all but XXXX went to collections for XXXX the collection agency says i never paid off down to XXXX sent them proof and then they refused to further collect so another co took over did say came after for XXXX i submitted all my bank statements over and over and they said who cares i told them this is fraud i do not owe this money you have me in collections for i paid i only owe XXXX they still said who cares nothing we can do pay XXXX or not removing i have proof of hundreds emails i sent to first collection agency who stop it cause they knew i didn't owe it was fraud on my reports collections i do not owe then this company that has many lawsuits against them took over and still trying to come after me amount i do not owe and submitted proof do not owe they finally removed from my XXXX but still on XXXX and XXXX causing me issues getting denied rental applications for money i do not owe
Company Response:
State: CA
Zip: 91403
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a notice that a new account has been reported on my consumer report without written permission. This adverse action has affected my ability to live in a new apartment. I never have done business with LVNV Funding LLC and i have never gave then written permission to post to my consumer report. I never received a notice in the mail that i could dispute this alleged debt. This account needs to be removed immediately from all consumer reporting agencies. My consumer rights have been violated by LVNV Funsing LLC not having the authority or right to post inaccurate information to my consumer report. Reported on XX/XX/2022 2022
Company Response:
State: GA
Zip: 30340
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: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Validation letter sent This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Company Response:
State: NV
Zip: 89113
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 was paid
Consumer Complaint: XX/XX/2021 to current XXXX i owed XXXX XXXX XXXXt that amount went to collections with lvnv fund i paid lvnv fund they removed from my collections but web bank didn't they still have on my credit report won't remove won't update that was paid won't do anything per agreement that i pay it would be removed but i have called emailed disputed nothing changes then i called XXXX they said it would be removed it was to be removed in XXXX but they would make sure was removed still won't remove or update no matter how much i dispute it's illegal that they don't update that i paid as agreed or remove like they promised
Company Response:
State: CA
Zip: 91403
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In According to the fair credit reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 U S C 1681 section 601 A section 1 states I have the right to privacy. 15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Company Response:
State: MS
Zip: 389XX
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: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: In the response from resurgent capital services first and foremost they had their logo and or symbol in pursuant to 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Then they continued to attempt to collect this alleged debt, in pursuant to 15 usc 1692e ( 2 ) ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. After sending this they then sent a deceptive form that was a case with LVNV FUNDING LLC, the amount its stating on this deceptive misleading court order sates that the estate owed XXXX then resurgent is attempting to collect XXXX, in pursuant to 15 usc 1692e ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. How can resurgent attempt to collect upon something in which they were not present furthermore me the natural living person am not obligated to pay any debt in pursuant to 18 usc 8 the moment I put down my credit card information my 9 digit numbers from their it was credited by the XXXX XXXX XXXX XXXXXXXX. They have violated many of my consumer rights within the FDCPA using false and misleading means and information to attempt to collect a debt and for the damages in which that have been done and the XXXX this company has caused I am holding them civilly liable in pursuant to 15 usc 1692k I demand {$1000.00} for each company as well as XXXX for the damages. send the remedy to the address below XXXX XXXX XXXX XXXX XXXX arizona [ XXXX ]
Company Response:
State: AZ
Zip: 85044
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 was result of identity theft
Consumer Complaint: I was over looking my credit sometime back and noticed that this account was reporting. i mailed out letters to said company ( lvnv funding llc ) and asking to prove how they validated the debt and to send me a copy of items use to do so. never did i get that. i later contacted the credit bureau to do the same. they only said that the company verify the debt. my question was how. at the point i'm stuck. so i tried again and this time i called the company and a csr stated that this was a debt. and i told her i understand how ever its not my debt and that if she could please provide me with documents show how its verify and valildated and she said she didn't have anything other that policy of the credit card. i then told her that does not make me the owner of the said debt. the have not shown me how this my debt but yet they keep posting the debt. please i am asking that they remove the item. also i ask the csr that i was speaking to if i needed to contact XXXX XXXX XXXX she 'told me no '' because they no longer own the debt listed.
Company Response:
State: TX
Zip: 75180
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: {$1400.00}, trying to garnish my wages.
Company Response:
State: FL
Zip: 33018
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I XXXX XXXX in fact a consumer started receiving communications from XXXX a representative of RESURGENT Capitol service owned by LVNV Funding LLC on XX/XX/2022 until XX/XX/2022. I have never done business or contracted with this company, so I am confused why they are communicating with me without my direct consent pursuant to 15usc1692c that is a violation. I don't know how they obtain my nonpublic personal information also more violations. They are falsely reporting inaccurate information to my consumer report which is damaging my reputation pursuant to 15usc1681b ( a ) ( 2 ). I'm trying to take care of my family but can't because I'm stress and keep getting denied my credit. I never gave them direct consent to report anything on my consumer report. I am really tired of being violated.
Company Response:
State: MI
Zip: 48601
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A