Date Received: 2022-08-07
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I have no idea what this debt from XX/XX/2022. I have not opened a new account in years. I never received any written/mail correspondence regarding this. I found out about it because it was generically reported to a credit bureau today. I did receive some robo calls in the past week of someone impersonating a lawyer/lawsuit and XXXX they are coming to my house and if Im not home they are coming to my work and if Im not at work they discuss the matter with my supervisor It looks like it came from the XXXX XXXX
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have collection accounts on my credit report that are being reported without my consent. XXXX XXXX XXXX account numberXXXX Date opened XX/XX/XXXX LVNV FUNDING LLC account XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX
Company Response:
State: WV
Zip: 248XX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Thi scompany just reported negative information to my credit file without my permission is a violation of my consumer rights. I dont even know of this compant nor did i due business with them but they have negative information they just inserted on my credit file today. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding LLC I am writing due to the negative mark XXXX made on my consumer credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ). If not, please refer to 15 U.S. Code 1692g - Validation of debts. So let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. Per 15 U.S. Code 1692g - Validation of debts ; What constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXXXXXX XXXX App. XXXX XXXXXXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Proof that this debt has not been written off as a tax liability. Any other intimate knowledge of the creation of the debt by you, the collection agency. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. Civ XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is NOT a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. Thank you for your time and attention to this matter.
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I received 2 letters from Resurgent Capital Services claiming that they were trying to collect on a debt that I owed. The original creditor was XXXX XXXX XXXX, whom I do not recall having an account with, but the current owner of the debt is listed as LVNV funding LLC, which I have never received a document from trying to collect on the account. I sent Resurgent Capital Services a letter asking for validation of this debt and received a letter back from them dated XX/XX/XXXX stating they initiated a review, see attached documents. I also received an additional letter dated XX/XX/XXXX which stated they had enclosed an account summary which provides verification of the debt, see attached. This " account summary report '', which is also attached, doesn't provide any type of proof that I owe this debt, whatsoever. Also on the documents they have sent me it states that " The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency ''. I have attached the verification letter that I sent to Resurgent Capital Services and what I was asking for. This company is trying to collect on a debt that for one I don't have knowledge that I owe them, and the debt was charged off XX/XX/XXXX.
Company Response:
State: AR
Zip: 718XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As of XX/XX/2022, I the consumer, have been in receipt of a response made by Resurgent Capital Services, " they ''. This complaint is in response to Resurgent Capital Services, Reference Number : XXXX. As of XX/XX/2022 I was informed that Resurgent Capital Services became the Owner of an Account which contains an alleged debt as they purchased the Account with XXXX XXXX XXXX XXXX. It is noted that the Account charged off on XX/XX/2022 with a balance of {$900.00}. As of XX/XX/2022 I have never made any direct contact with Resurgent Capital Services, I have never provided them with any consent that I would like to do business with Resurgent Capital Services, and I have not received any communication from Resurgent Capital Services which indicates that I lawfully owe Resurgent Capital Services {$900.00}. I am aware that the banking system depends on fair and accurate credit reporting and I am saddened to know that there have been unfair and inaccurate credit reports furnished without my consent to Consumer Reporting Agencies, " cras '' which is not in accordance with the Fair Credit Reporting Act. Due to this companies negligent and unlawful behavior, I regretfully will stop doing business with anyone unless my concerns are addressed.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: They have been selling my information, which is not their place. They have also been able to furnish my XXXX XXXX for me without my consent. Which is against the law according to the congressional findings 15 USC 1681 ( b ) ( XXXX ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( XXXX ), congress made it clear that they have assumed this role. Also under 15 USC 1681 ( a ) ( XXXX ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.
Company Response:
State: CA
Zip: 90247
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had this credit card which I believe was XXXX XXXXXXXX card my purse came up stolen with all my cards and other information my XXXX XXXX card was on of them with the sign in to my account I had written down in my purse I report it stolen with my identity they never lock or block my account so the person had my card had to been using my card repeatedly and some kind of way was paying my bill some type of way in they just kept using it until the run my credit up to XXXX something dollars in my credit limit was even that high so I don't understand how could they let someone charge that much on my stolen credit card XXXX XXXX XXXX they have did a court thing the have add on my credit report that's hurt my credit score they have sent it to a collection agent call PYOD LLC
Company Response:
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A