Date Received: 2022-08-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was never given information That I could dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid. I was never contacted I just checked my credit report and found the collection on my credit report.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account was settled through insurance and needs to be removed from my credit report immediately
Company Response:
State: OH
Zip: 45255
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account is showing on all my reports as a balance of XXXX. The account was paid and settled.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Sirs This is the company that has sent me letters regarding three different debts Resurgent Capital Services it states original creditor XXXX XXXX XXXX XXXX Current Owner LVNV Funding LLC Account # XXXX reference XXXX Balance {$2800.00} Account holder name XXXX XXXX XXXX XXXX The second is XXXX XXXX XXXX XXXX current owner LVNV Funding LLC Reference ID XXXX Balance {$630.00} Account # XXXX Account holder XXXX XXXX The dates they are claiming are from XXXX They are not my accounts Thank you XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX bank was the original creditor. XXXX XXXXXXXX bank charged my account off XX/XX/XXXX. LVNv bought the account in XX/XX/XXXX. I filed a dispute with all 3 credit bureaus in XXXX of XXXX. In response XXXX XXXX bank was removed from all 3 credit reports. XXXXXXXX XXXX XXXX received full balance owed to them of XXXX XX/XX/XXXX. At my request the account was suppose to close. I was told once my payment processed it would close. XX/XX/XXXX I tried to log in XXXX XXXX XXXX website and couldnt. I assumed the account was fully closed. XX/XX/XXXX I checked my credit report and seen I had an outstanding balance with XXXX XXXX XXXX. I called them. Me and the representative went over the charges. I disputed 5 charges ranging from {$60.00} to XXXX dollars. XXXX XXXXXXXX XXXX told me that it would take 60 days to investigate. I called them XX/XX/XXXX to get an update. The representative told me that no dispute was filed. He assured me he would file the dispute for me on XXXX XXXX and was told it could take up to 60 days. I called them XXXX XXXX and was told that the account was closed with XXXX balance, only to find out they sold the account with positive balance to LVNV without investigating my disputes. Now LVNV believes I owe them {$1700.00}. Ive requested statements from LVNV and they refuse to send them. They claim they only have the last months statement. Which only shows the current balance.
Company Response:
State: MI
Zip: 48093
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, LVNV FUNDING LLC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. LVNV FUNDING LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In regards to : Unverified Inaccurate Account Collection Company : XXXX/RESURGENT RECEIVABL Account Number : XXXX Address/Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX I XXXX XXXX, am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. I am addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. [ Collectors Name ] Must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for [ Collectors Name ] to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and [ Collectors Name ]. Providing that [ Collectors Name ] is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. *Full accounting for this account *Copy of the assignment of purchase from the creditor *Every charge and what was purchased, fees, payment, credit, interest paid ) *How you calculated what you claim I owe *Full chain of assignment from charge off to present *Proof that you own the debt with full clear title *Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Respectfully Notice To Agent notice knowledge U.C.C. 1-202 All Rights Reserved Without Prejudice U.C.C 1-308 XXXX XXXX
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Can not show original contract from creditor saying how much they are accusing me of.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: : RESURGENT CAPITAL SERVICES you are in direct violation of my rights under the FCRA act. -Failed to validate a debt at my request-FDCPA VIOLATION -Continued to report a disputed debt to the CRA- FCRA VIOLATION -Continued to attempt to collect a disputed debt- FDCPA VIOLATION -Reporting a charged off account with a balance- FCRA VIOLATION -Ignored my request for proof of my signature-FDCPA VIOLATION Not only have you ignored my prior request for Validation of Debt, but you also continue to report this charge off account with a balance causing damage to my character. I AM NOT ASKING FOR A COPY OF A BILL OR SUMMARY! Please provide full proof of this debt including MY SIGNATURE binding me to this debt that you claim belongs to me and that I owe. This letter will request that you follow guidelines of The Fair Debt Collection Practices ( FDCPA ), 15 U.S.C. & 1692 and please provide the following : VALIDATION OF DEBT REQUEST -PROOF OF THE CREDITORS RIGHT TO OWN/COLLECT THIS ALLEGED DEBT- BALANCE CLAIMED INCLUDING ALL FEES, INTEREST AND PENALTIES -CONTRACT BEARING MY PERSONAL SIGNATURE- LICENSE PROOF OF THE CREDITOR TO COLLECT DEBT IN MY STATE Should you continue to ignore my request for this validation letter including proof of my signature, you are in direct violations of my consumer rights as indicated under both the FDCPA and the FCRA. I advise you to delete this account from all credit bureaus including the hard inquiry that I did not authorize. Show proof of the application that resulted in an inquiry. If not, remove that inquiry from all credit agencies that you are reporting too. DO NOT send me a summary or a bill without my signed signature that bonds me to this debt. I have been a victim of Identity Theft and have been dealing with fraudulent debt for the past few years. The credit bureaus are aware of my Identity Theft as well. If you fail to follow the law, I will report you to the Consumer Financial Protection Bureau as well as the XXXX. If this is not rectified in the correct manner. Per my lawyers request, I will sue you in court.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In reference to case # XXXX. Again, I am requesting VALIDATION not VERRIFICATION. A bill or statement does not prove that I owe this Debt. I want you to show me contract with the original creditor and/or resurgent with with my wet signature binding me to this debt. I have never did business with you so you should not be contacting me. I have a right to privacy, according to the fdcpa and fcra. you contacting me and saying something I don't know is harassment. I don't have an obligation to pay anyone that I do not owe. I am demanding that information. In addition, according to 15 USC 1681b ( a ) ( 2 ) permissible purpose, I have never given resurgent or the supposedly original creditor any written instruction to furnish anything on my consumer report. Please send me proof of that with my written instruction and my signature. You claim that you enclosed the original contract with my signature but I don't see it. I am not requesting verification, I want validation. If you cant prove this to me you need to cease collection. I don't want to see a bill/statement I want to see an obligation connecting me to this debt.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A