Date Received: 2022-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNN Funding LLC Reporting charge off on credit file but this account isnt mine. There not able to prove ownership of this account.
Company Response:
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I never authorized this company to put fraudulent information on my credit report. XXXX XXXX XXXX XXXX I was never notified, and I never signed document stating I will pay this debt, or this debt is mines
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I opened the letter and realized this was a debt collector from yet again another debt collection agency that I just complained and tried to dispute. LVNV Funding has resold my account as if they are the original creditor and they are not. I never gave LVNV FUNDING or XXXX XXXX SERVICES my written instructions to furnish my account at all. 15 U.S.C. 1681 section 604 A Section 2 : states that a creditor can not furnish an account with the consumers written instructions. I am the consumer, and they are the creditor. That should be enough for this debt to be deleted. Also, they sent on XX/XX/XXXX that the debt was indeed valid and have chosen to keep it on my credit report but how is the debt indeed valid if they are not the current owners of the account. This account was resold to XXXX XXXX XXXX, and I received that letter XX/XX/2022. This is another clear violation of both LVNV FUNDING, XXXX AND XXXX because I asked them to delete this account as well. First off, they violated 15 U.S.C. 1681 c. ( a ) ( 5 ). This section states : no consumer reporting agency ( XXXX ) may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This alleged debt is not a record or conviction clearly but yet XXXX has chosen to leave it on my account. Even if the account is closed it should not be on my account because according to that law stated above under the FCRA nothing should be on a consumers report unless I have given written instructions which I have not, it was a judgement, which it was not, or it is the result of a conviction which it is not. It should be deleted. LVNV and XXXX should not be able to furnish my account at all. I did not give them permission and XXXX did not dispute my account accurately when asked.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be re-investigated. LVNV Funding Acct # XXXX I have attached my credit report from both XXXX and XXXX and each one have very contrasting payment history. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent letters to the creditors and bureaus stating that I am a victim of identity theft and they sent me a letter back claiming that it may have been a " mistake ''. So... I am sending this out AGAIN! This is not a mistake or a frivolous dispute The accounts are XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. Debt Collectors do not have any lawful right to be in possession of my identifying information. I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ). Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years. The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: 1. I requested a debt validation from this company and have never received documents confirming : A.Ownership of the debt B.Rights to collect C.Rights to sue to collect D.Proper Calculation of outstanding Debt 2. Also : A.Company continues to report unvalidated debt B. Outstanding balance is not correct C. Contract between the original furnisher and me was not provided. After I did not receive any validation, I filed an AAA ( alternative dispute resolution ) demand to arbitrate. According to the XXXX XXXX Credit Card Agreement ( posted on the CFPB website ), LVNV is bound by the Private Arbitration if LVNV claims the debt and refers to itself as the owner of the debt. I served both the original furnishing and the LVNV ( through XXXX XXXX ) with arbitration demand. LVNV ignored this demand and committed fraud by filing a small court claim, while having an open AAA arbitration case. This is not only a violation of FCRA and FDCPA, but also a court fraud. In addition, I was never properly served, which is just a worse picture of predatory tactics as " parking the debt, '' which was not at the same time proven to be owed.
Company Response:
State: PA
Zip: 19115
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Resurgent Receivables LLC elicited a company by the name of XXXX XXXX XXXX XXXX to attempt to collect a debt from me that I do not owe them. XXXX XXXX XXXX sent correspondence to me dated XX/XX/2022 that I received in the mail today XX/XX/2022. The correspondence states that Resurgent Receivables LLC is the creditor of the account. And that I owe them money. This is false, misleading, and deceptive statement. I do not and have not ever entered into a credit contract with Resurgent Receivables LLC for any debts. They are not the original credit of the debt they are attempting to collect, and the laws are very clear about Collection Agencies dealing in false, misleading and deceptive practices. In addition to their false claims about being the alleged creditor, they sent XXXX XXXX XXXX after me to collect on their behalf. To add insult to injury, XXXX XXXX XXXX is in violation of North Carolina General Statute 58-70-01 which prohibits them from practicing debt collection in North Carolina without filing a surety bond with the North Carolina XXXX of XXXX 's office. In addition to their violation of NC General Statute 58-70-01, they are also in violation of North Carolina General Statute 58-70-50 which requires them to place their permit number showing that they have a registered surety bond on file on any correspondence they send me. XXXX XXXX XXXX 's correspondence dated XX/XX/2022 has no such permit number on it. Under North Carolina law " a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony ''. I am DEMANDING that Resurgent Receivables LLC delete their inaccurate, un-validated collections from all consumer reporting agencies under my social security number. I am also requesting that they cancel the alleged debts, and cease from selling the debts due to their violation of Federal law that states that " debt collectors are prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt '' which they have clearly done. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA. If they do not delete the negative tradelines they are reporting under my social security number, I will be seeking all legal remedies afforded to me by law and will have to appear in a venue local to me to defend themselves.
Company Response:
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have been a victim of identity theft through a breach of personal information. Resurgent capital services bought my personal information from XXXX XXXXXXXX to manipulate me into paying them. I have never done business with Resurgent Capital Services and I first learned about this incident when they furnished fraudulent information on my consumer report. I have reached out by phone and now by mail to file a dispute to have the reporting removed but they refuse to start their investigation. It has now been two months since i first filed the dispute. They say that a police report and FTC identity theft report to proceed so i have sent them by mail.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, attempting to collect a debt in the amount of {$740.00}. It stated that I had a XXXX XXXXXXXX XXXX credit card with account number ending in XXXX and as of XX/XX/XXXX I owed {$740.00}. I have never had a XXXX XXXX XXXX credit card, so I was alarmed to receive this letter. I called and spoke with a representative who informed me that the credit card was opened in XX/XX/XXXX. The letter listed Reference # XXXX. I then received a letter from Resurgent Capital Services, Reference ID : XXXX. It stated that in order for them to further investigate my dispute, I needed to provide additional documents. On XX/XX/XXXX, I filed a police report with the XXXX Police Department. Report # XXXX. The Identity Theft Passport number assigned was XXXX and a copy of the report is on file with the XXXX Attorney General 's Office. I faxed a copy of the police report to Resurgent Capital Services on XX/XX/XXXX. I received notice from Resurgent Capital Services that they did not approve my dispute. On XX/XX/XXXX I faxed a notarized Identity Theft Affidavit, another copy of the police report, identity theft letter and passport, as well as a letter stating that I am disputing the credit card charges because it is not my debt. According to the documents mailed to me by Resurgent, the credit card was opened in California and also used in California. I have never lived in California, and was not traveling in California during the dates the card was used. My credit score has been impacting severely because this debt continues to show as an unpaid balance each month. I have reached out to the XXXX credit bureaus and placed a freeze on my my credit. It has been emotionally taxing to watch my credit score drop from excellent to good to currently fair. I would like to see Resurgent Capital Services acknowledge that I have been the victim of identity theft and remove this debt from my credit report.
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A