Date Received: 2022-07-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Acct # XXXX has violated my rights. XXXX XXXX XXXX Acct # XXXX has violated my rights. XXXX XXXX XXXX Acct # XXXX has violated my rights. LVNV Funding LLC Acct # XXXX has violated my rights. 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 an account without my written instruction. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am also asking for a copy of the original contract, payment history, proof of ownership of these accounts, and original creditor information.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Original Company : XXXX XXXX. The latest collection agency, which contacted us by email, instead of USPS, which we have requested numerous times be the only form of contact, is LVNV funding LLC. We cancelled our satellite and they refused to come get the dish. We could not remove it because my husband is XXXX. There was nothing in the contract that said when we terminated our subscription we had to go on the roof and remove the dish. They threatened to turn us into collections. We sent them a certified letter on XXXX/XXXX/16, which we have a copy of, asking for documents that we signed that said we were responsible for climbing onto the roof and retrieving the dish. To date, no one has ever provided this documentation. We have now been contacted by several debt collectors asking for money. Each time we respond in the appropriate amount of time, again, asking for documentation on the debt. We have never been sent any proof of debt. This harassment has been going on for years and each time we ask for proof they send our account to a different collection agency.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I request for the items listed in this report to be removed as soon as possible.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: As a federally protected consumer, I am highly disappointed and unsatisfied with Resurgent Capital Services. My name is XXXX XXXX and I am making this complaint against Resurgent Capital Services for committing identity theft. I have no recollection of authorizing or giving Resurgent Capital Services 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 fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Resurgent Capital Services. As of XXXX XXXX, 2022, I have not received any documentary evidence, such as a trilateral contract, giving Resurgent Capital Services any right to collect on this alleged debt. I have also never received any documentation requesting validation from Resurgent Capital Services before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. Attached you will also find correspondence from XXXX XXXX XXXX, whom you chose to buy this alleged debt from, notifying me that I AM NOT RESPONSIBLE FOR THE ACCOUNT BECAUSE IT WAS A RESULT OF IDENTITY THEFT. SEE EXHIBIT A. If Resurgent Capital Services can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, this has been a fraudulently and unauthorized account with forethought and malice as an attempt to bring harm to me and my financial reputation. 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, all collection activity and communication expect through mail to above address, of this and any alleged debts until Resurgent Capital Services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If Resurgent Capital Services continues its collection efforts, I will file for arbitration and Resurgent Capital Services 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: LA
Zip: 70001
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company was informed about charges made to an old credit card and my account was closed and dismissed.Now for the past two weeks Ive gotten really nasty calls and threats.They even contacted my employer numerous of times with harrassment.The original card debt was removed from my report months ago.But upon checking my credit a few days ago I've found that the same card company has reported a card debt in my name listed as opened XX/XX/2022 with a balance over {$900.00}. I've never used any credit card that much and never have been given a credit that high.I have no knowledge of this said account they claim I have.This company keeps sending my information to different debt collectors that's reporting wrong information to my credit.Ive received alerts from XXXX about my SSN being exposed.There I no number listed to contact LVNV and many attempts to an online complaint has been ignored.They are doing illegal reports.
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV FUNDING LLC Has reported to the 3 major credit bureaus that I have in collections 2 accounts with 2 different amounts and stating that they were opened on 2 different dates. One is alleged to have been opened on XX/XX/2021 with the amount of XXXX past due, and the other is stated to have been opened on XX/XX/2021 with the amount of XXXX past due. And both theses debts refer to the same card issued by XXXX XXXX XXXX. Neither account is correct. There were not 2 different debts owe on the 1 card.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been advised since XX/XX/2020, I have been apart of multiple breaches from multiple companies. Due to this, I have free access to my credit reports from XXXX and XXXX. I have noticed a few accounts that do not belong to me. Notices have been sent to all three bureaus for the inaccuracies to be removed.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have family members with the same name. I have also been a victim of fraud and breaches. This is all public knowledge. This causes a issue with creditors mixing up information. I have an alert on my credit to warn creditors to verify information and how to reach me directly. This account does not belong to me I have been disputing it for years with all 3 reporting agencies. I have never received a letter, any notice, communication, I reached out to the original creditor and this account information has identity variations from mine which led to us to attempting to locate it on the phone for over 2hrs and me speaking to multiple supervisors. If I received no written notice prior or no response to my request following this incident, how can I protect myself as a consumer or correct a issue. How can you ethically- expect to to hold me responsible for this account? This company and the debt collector failed to provide me with ANY documentation, this includes prior to selling my personal information to this new debt collection legal agency. I never received a letter with my consumer rights, or a notice of debt collection. The debt collector has also not reached out to provide me with my rights I continued to dispute requesting any documentation in writing via mail never received any communication directly from creditor or debt collector. This is Deceptive And Unfair as it portrays to be a account that belongs to me but has no proof and my credit has suffered the consequences. While attempting to utilize my credit this negative impact is Publicized and embarrassing to my financial reputation and the current creditor has not reached out to me with the original contract yet. Please remove this account from XXXX XXXX and XXXX. This is listed as a Collection as of XX/XX/2018 it has hindered me for four YEAAARRRRS, even in a pandemic and national economic hardship. I think I have suffered and been lied to enough as a minority just learning about financial literacy i feel cheated out of the opportunities i could have had financially if i would have known my rights sooner.
Company Response:
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We were not served with court papers 2 even know we had a lawsuit against us The only paperwork I got was the paperwork that was supposedly sent to my employer payroll department. Supposedly the 1st time they served us with paperwork was in XXXX of XXXX that case was closed it says.And then they filed for continuous of garnishments in XXXX of XXXX do u file a continuous garnishment that has never happened the 1st garnishment they illegally took was on XXXX XXXX top of it I asked when the original debt was and I was told on the phone XXXX that was the 1st time the second time the the collection agency told me they don't know when the original debt was occurred so then I asked when they bought the debt and I was told XXXXAnd then they have filed continued garnishments threw 3 different county 's is wht I'm seeing on the i portal.And then when I told her we want to dispute the charges she tells me I have to write and mail the dispute 2Resurgent Capitol Services out of XXXX SC.I go to the site and it's states its LVNV the 3rd party collection agency that is garnishing his wages and Resurgent Capital services and at the bottom of the site it says they are a collection agency trying to resolve disputes or collect a debt.that was owed.The paperwork filed 2 payroll for wage garnishments is the ones u can download off the internet.And anouther red flag they have the same clerk of district in all three county 's XXXX, ,XXXX and XXXX XXXX on the continued garnishment and the sane judge the paperwork we have don't look legal .The 1st time we found out about the 3rd party collection agency was when we received the copies of paperwork they sent to the payroll dept in XXXX or XXXX it was signed on the XX/XX/XXXX it says it was filled on the paperwork on XX/XX/XXXX but the cover letter from LVNV says XXXX XXXXWhen I asked the collection agency if they could send me copies of all the papers we supposedly received she told me I could get them from court records or hire legal representation.So on top of us disputing the CC I'm positive we are past statue of limitations to collecting this debt.And they are charging us for post judgement interest.The amount on the garnishment is different then wht they reported 2the credit bureau without notifying us they reported it to them.So much that idk wht I should do.They took the 2nd garnishment of 25 % on XXXX problem is he worked as an essential employee all threw the pandemic why did they have problems in XX/XX/XXXX with trying to garnish.And then file 2 years and almost 2months later from the 1st time.And we have lived on XXXX XXXX XXXX over 15 years and the outher address they had was his dad 's address at XXXX XXXX and his dad had lived there over 20 years.So I'm not sure why we were never served with paperwork. And we never received the 5day letter telling us who the original debt was from how much the debt was or actions to dispute the charges.When I asked LVNV how much the original debt was she told us under {$900.00} @ they are trying to coloect over $ XXXX help.Thank You XXXX XXXX
Company Response:
State: ID
Zip: 83201
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Resurgent repeatedly sends us collections notice for an account that was never in collections and paid in full. We had an account with XXXX back in 2018. The last bill be were invoiced and paid in full is dated XX/XX/2018 in the amount of {$190.00}. We paid this bill via direct ACH payment as we always had and received a paid receipt from XXXX via email. Out of the blue, Resurgent started sending collections notices last year where we repeatedly provided evidence the invoice had been paid- we provided a paid receipt from XXXX XXXX a copy of the invoice, and a copy of our bank statement showing this amount was paid in full. Resurgent continues to ignore the evidence provided and harasses us daily- calling, mail, and threatening to destroy our EXCELLENT credit. We would like them to be contacted and investigated for fraudulently trying to get us to pay money that is not due.
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A