Date Received: 2022-07-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a complaint with the XXXX and this affected my ability to get employment. My rights are being violated. Please Help me! I asked XXXX to fix this problem I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. I would like monetary relief per violation of my rights 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 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 instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation. LVNV FUNDING Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Please fix these problems
Company Response:
State: AZ
Zip: 85006
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services & LVNV Funding does not have any lawful right to be in possession of my non public personal information. I did not give either one of these companies consent to furnish this alleged debt that they claim that I owe from 2018. It is a violation of 15 USC 1692d ( 4 ) In their most recent correspondence to me ( See attached documents ) in response to my prior CFPB Complaint Resurgent Capital Services ADMITS that they agreed to cease and desist communication of an alleged debt which also means they agreed to cease credit reporting. Communication defined under the FDCPA 15 U.S. Code 1692c means the conveying of information regarding a debt directly or indirectly to ANY PERSON through ANY MEDIUM. My credit report is a MEDIUM that being said the LVNV FUNDING account needs to be removed from my XXXX, XXXX, and XXXX credit reports. I am aware that Resurgent and LVNV Funding are coercing me to pay an alleged debt by ruining my financial reputation which is a violation of 18 USC 894 liable for up to 20 years imprisonment. because they benefit at my expense, the debt collector, original creditor, and consumer reporting agencies may be engaging in racketeering activity.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Ive contacted the company. This is not my debt. I have no knowledge of it. They are now stating the amount is {$860.00} instead of XXXX something. Which I dont care because Ive never made a payment due to having no knowledge of it. I do believe its identity theft.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Resurgent Capital stating I have a debt of XXXX i have no knowledge of this debt. I later contacted XXXX who has no knowledge of a account ever being in my name or any order ever being placed in my name. I asked them to contact Resurgent an clear this up they ( XXXX ) stated '' We can not. '' I spoke with XXXX XXXX from Resurgent Capitol whom stated " We cant contact XXXX. '' Im not sure of how these people received my name and address however i want my personnel information out of their computer system. I have not purchased anything from them. Its fraud.
Company Response:
State: PA
Zip: 18974
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. LVNV FUNDING LLC XXXX
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have an account with XXXX : The status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at Resurgent company on XX/XX/2021 at XXXX via the phone.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received emails and letters from Debt collector from XX/XX/XXXX until the present. I have requested validation via email and certified letters for validation of the debt. Dates request validation : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the debt collector states they have received a dispute and will stop collection under debt is validated, I have not received anything showing validation. They keep emailing and calling me ; also they have placed the debts on my credit reports.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/2022 a phone call was made to debt collector demanding re-verification as well as a copy of the original contract with all parties involved. Have yet to receive appropriate documentation. Violated 15 USC 1681 [ a ] ( 4 ) as I was not contacted by the debt collector to verify my identity before reporting this debt on my name. Violated 15 USC 1681 ( a ) ( b ) as the information being reported ( without validation of whom the consumer is ) was not fair and equitable to the consumer.
Company Response:
State: CT
Zip: 06040
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Someone used my information to get a loan and forged documents in my name now they sending me letters saying I owe this money.
Company Response:
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Lvnv funding llc deleted this account my credit report Last year bc it was not mine. I checked my credit report last month and its back on there. I have asked for original paperwork with signature. They will not provider that to me. They have sent me some off credit card statements etc. This company has broke all kind of laws. I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A