Date Received: 2022-07-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: accounts are not accurate
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Dear LVNV Funding LLC Your company must not be aware of the FDCPA, because you have violated my consumer rights. Account Number : XXXX In accordance with the FDCPA any violation you commit against a consumer you are liable for {$1000.00} per violation which you have committed. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Also please be aware that any electronic transfer of information is not validation of an alleged debt. Please cease and desist with contacting me and with any further attempt to collect this alleged debt. Also Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX the consumer gave LVNV no consent to share my personal nonpublic information with any third party companies. An in fact XXXX, XXXX and XXXX or third party for-profit companies. An in fact they are in no way associated with, back by, bonded, by any government agency or bureau. You are in violation and this will not be accepted or tolerated in any way by me.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Good morning I sent Resurgent Capital Services on XX/XX/2022 several very thorough requests to validate my debt and only received a mere portion of the requested documents I asked for. I reminded them that according to the FCRA they are required to validate the debt thoroughly and accurately and I have yet to receive all of the requested documents.
Company Response:
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: N Accordance with the fair credit act XXXX XXXX XXXX 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 a account without instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction 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
Company Response:
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The following occurred over five years ago and has just shown on my report as well as attempts to collect debt that was not mine and was a result of fraud. There were purchases made and constant use from the card although I had not used it at all myself. During this time I also had other fraudulent charges on other credit cards that were reported and action had been taken as far as I can tell as those had not appeared on any report of mine nor has there been an attempt to collect on them. I also do not have access to the account nor information anymore as this had been so long ago that I thought it was resolved.
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt collector has never contacted the consumer and is reporting on the consumer 's credit report this is identity theft per 18 USC 1028A ( a ) ( 1 ) ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of XXXX years.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXXXXXX XXXX XXXX sold my account to Resurgent Capital Services. They harassed me and intimidated me into paying the balance owed, which a representative told me, after I paid in full the charged off status would be removed from my account. It was not.
Company Response:
State: AK
Zip: 999XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: XXXX. Point : Garnishing federal benefits should stop and be refunded. XXXX. Suggested outcome -- Pay me restitution of XXXX for benefit garnishment and administrative fee XXXX for use of address and SS number. XXXX. Statement of Facts : XXXX XXXX XXXX - Request and writ for garnishment date of issue XX/XX/2022, is not a copy of the original. XXXX XXXX XXXX - Request and writ for garnishment date was not ( wrong address ) received by me in XXXX. XXXX XXXX : XXXX Compensation is direct deposited into XXXX XXXX and a percentage as needed is transferred to XXXX XXXX opened in XXXX. XXXX XXXX 's XXXX program provides both community service and work-based training. To participate, you must be : XXXX or older ; have an income not more than 125 % of the established federal poverty guidelines. Federal funds are direct deposited into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX - XXXX XXXX XXXX XXXX {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXt {$460.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$410.00} XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX - {$15.00} XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$13.00} xxxx Closed!!
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have previous complaints filed about XXXX XXXX Bank ( XXXX XXXX, XXXX ). The most recent ticket was XX/XX/2022. I just received a letter from XXXX XXXX Bank on yesterday, Wednesday, XX/XX/2022, that was dated XX/XX/2022, that my XXXX ( XXXX ) accounts balance had been sold to Resurgent Financial Services- the accounts had already been sold and I filed a complaint about the collection attempt from Resurgent Financial Services and I was never contacted in writing or by phone from Credit XXXX Bank XXXX my accounts being sold ( prior to Resurgent contacting me first ). I have filed a complaint because I had reached out to XXXX XXXX Bank to do a hardship as well as get the account balances resolved so the debt could be finalized. XXXX XXXX Bank continued to allow fees to mount, continued to state there could not be a finalized amount given, and ultimately sold the debt to Resurgent and then sent a letter after the fact. I did not get the opportunity to dispute the debt amount to have a plan discussed to resolve the balances. Secondly, the amounts that were sold to Resurgent Financial Services are not correct and include inflated charges and fees that XXXX XXXX did not resolve with me when a request was made to have the account balances resolved and closed. The XXXX XXXX XXXX in XXXX, Texas, did an investigation and stated that XXXX XXXX Bank stated they would not do a settlement to stop the fees or have the accounts closed nor would I be contacted by them except for legal reasons. I do believe that me not being notified in writing to dispute the debt amounts is a legal reason and being contacted about PRIOR to a debt being sold to a third-party company as well is a legal reason for contacting a consumer. XXXX. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumers file at the time of the request except that if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
Company Response:
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This LVNV FUNDING account with a balance of {$320.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A