Date Received: 2022-06-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In XXXX of XXXX, I began receiving unsolicited text messages from the phone number XXXX that read : This is XXXX, a debt collector. Your account has been placed with us. View your account summary : XXXX XXXX XXXX. Reply STOP to opt out of SMS. I received these text messages every two days. The message and link would change slightly with every text. They all started out the same with : This is XXXX, a debt collector. And they all ended with : Reply STOP to opt out of SMS. The variations are noted below : Click to learn more about payment options : XXXX XXXX XXXX We have an opportunity to work with you! View your options : XXXX XXXX XXXXXXXX Your account summary is available online. View it now : XXXX XXXX XXXXXXXX Your late balance was placed with us. VisiXXXX XXXX XXXX XXXXXXXX Great news! You have a 50 % deduction available on this account XXXX XXXX XXXX XXXX You can save {$310.00} by accepting our offer XXXX XXXX XXXX XXXXXXXX Want to save 50 % on this account? See your payment offer XXXX XXXX : XXXX XXXX, you have some unfinished business. Work with us : XXXX XXXX XXXX Guess what? Were offering a discount on this plan : XXXX XXXX XXXX Need flexibility? Try customizing your own plan XXXX XXXX XXXX XXXX. You can resolve this account at a discount! View offer : XXXX XXXX XXXXXXXX. These look exactly like the type of text messages and links that are termed as phishing by Cyber Security professionals and are usually deemed unsafe to follow. Despite the fact that after each of these text messages I replied with the word STOP, I continued to receive text messages every other day. This last one was received at XXXX on Friday XXXX. Instead of replying STOP to this last one, I sent the reply : These text messages do not meet the requirements of the Fair Debt Collection Practices Act and I dispute any claim that they make regarding a debt owed by me to this or any other company. I do not now, nor have I ever in the past, done any business or owed any money to any company by the name XXXX. After sending this reply, the texts stopped coming in. The company began sending me email every other day, beginning on XXXX. These emails state that XXXX is a debt collector attempting to collect a debt owed to Resurgent Receivables LLC, in the amount of {$620.00} US. Again, this communication does not contain all required statements and requirements as provided by the Fair Debt Collection Practices Act. The emails were sent from the account named XXXX XXXX. Email address XXXX. On XXXX, I sent regular mail to the company Resurgent Receivables LLC at both the addresses I was able to find online. One for disputes ; XXXX XXXX XXXX, XXXX, SC XXXX ; and one for their Compliance Department : Compliance Department XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. This mail that I sent was a hard copy dispute of any debt I owed to Resurgent Receivables and a request to produce validation documentation and proof of such debt. Both were received and signed for on XXXX. Also on XXXX, Resurgent Receivables LLC made a negative report on my account with XXXX Credit Bureau. Although I have not checked, It is not out of the realm of possibility that the company did this with all four credit bureaus. This timing hardly seems coincidental. I continued to receive emails from XXXX XXXX at XXXX every other day until I responded to one on XXXX again disputing the claims of debt owed and requesting validation documentation. On XXXX I received an email from XXXX XXXX ( XXXX ), email address : XXXX Stating that the account owner, Resurgent Receivables LLC, has been notified of the dispute and an investigation is ongoing. Even though I have never had any correspondence whatsoever from Resurgent Receivables LLC regarding a debt owed, they have placed a negative report with at least one credit bureau ; presumably all four. This negative report was created after the company was aware of my dispute by hard copy letter. After being informed of this dispute by both myself and XXXX, the company Resurgent Receivables has not updated its reports to the credit buraus to indicate that the debt is disputed. This does permanent harm to my credit rating and so limits me in various ways. It appears that there are currently two companies claiming to service this one debt. It has been over thirty days ( 30 ) since my dispute was received and signed for by a representative of Resurgent Receivables LLC, yet I have received no contact from them what-so-ever ; not even an acknowledgement of the dispute. It has been over thirty ( 30 ) days since acknowledgement of my dispute by XXXX, yet I have received no further information regarding its validity from them. I reiterate that no debt was ever owed. The claim that I owe {$620.00} US is fraudulent and has always been so.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: my account was charged off by XXXX XXXX XXXX. In XXXX of 2022 i made a payment of {$200.00} to one of my credit cards with the bank. In the same month they took another {$200.00} which was not authorized by me. I called XXXX XXXX XXXX and they refunded me the money. By the month of XXXX i was trying to make a payment online and it rejected my payment saying i have to contact customer service. Contacted them and was told i have to get an authorization from my bank in order to make a payent on my accounts. I went to my bank and got this info & uploaded it. XXXX XXXX XXXX went ahead and charged off the accouns i had with them. Never did i get such notice of this " charged off ''. I have never missed a monthly payment with them. I had fully paid for one before the account was charged off ( {$170.00} ) XXXX XXXX XXXX send both the account to delinquency without sending me a notice although i provided all the info they requested. The second account was also paid ( {$920.00} ). I checked my credit account and it is still saying i am in delinquency. Both accounts charged off has been paid for. I would really appreciate if they could remove my informtion from their list of delinquencies. Please see receipts attached for as my proof.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: 15 U.S. Code 1692c ( c ), Resurgent Receivables LLC shall be fined under title 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) If you violate this Cease And Desist Order with Prejudice!
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Dear Official : I am the victim of a paired instance of criminal XXXX and identity theft, which was visited on me by the following entity. whose identifying information and other last known data are enumerated, severally : XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... .... Last known drivers license PA XXXX Date of Birth of XXXX XXXX ... ... ... .. Born XX/XX/XXXX Last known address for XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... XXXX XXXX XXXX XXXX, XXXX PA XXXX United States Last known occupation for XXXX XXXX XXXX ... ... ... ... ... ... ... ... ... ..Reverend/Minister of Religion The act of identity theft was placed on my person by XXXX XXXX, a former Reverend of a former church in linked state of his former domicile address, in the area of XXXX Pennsylvania. Further note, the mode of operation for XXXX XXXX, was the unauthorised removal of a naturalization certificate ( U.S ), which attests to my privileges and protections as a United States Citizen. Currently, this document and the whereabouts is critically required, as there are other attempts and actual instances of fraudulent credit card charges being made in my name. As proof a current creditor keeps sending mail to my daughters adress, an address which is not my home. Information for the creditor who it appears is making arbitrary attempts on my financial strength is enumerated severally : " ... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Current Creditor LVNV Funding LLC Original Creditor XXXX XXXX XXXX XXXX XXXX Account Number -- -- -- -- XXXX Charge off Date XX/XX/XXXX Amount Due as Of Charge off -- -- -- {$690.00} Date first delinquent -- -- -- -- XX/XX/XXXX Other information linked to XXXX XXXX XXXX XXXX We have a limited amount of time before the above referenced account is recalled from us and reviewed by a current creditor for placement with a law firm. As of the date of this letter, you owe the outstanding balance of {$690.00}. If you pay {$690.00}, the above referenced account will be considered paid in full ... ... ..... XXXX XXXX Account Manager XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... '' Further Comments from complaining consumer below - I am disturbed that in the wake of my report to the Police in the state where the crime took place, that the perpetrator XXXX XXXX, is able to use my identity as he apparently has been doing. Therefore, if the need is there for the involvement of constabulary intervention, please freely do so, as my health and other forms of safety are being impacted. Finally, thanks for considering all complaints and all the solutions your office and teams have presented to date.
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On this date XX/XX/2020 company opened a collection. Account XXXX XXXX $ that I owe I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This account has been reporting incorrectly and inaccurately on my report. It is reporting inaccurate date of last activity, payment history, and balance. It is a clear violation of my right under the FCRA to report incorrect and inaccurate information.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After sending a letter of debt validation to LVNV Funding, I received a response letter that did not include any documentation that confirms that I am responsible for the debt for the two accounts. It did not include an original contract, personal identification, signatures, or any other verifiable documents. The response only included a billing statement. Therefore, I want LVNV to IMMEDIATELY stop reporting these accounts to XXXX, XXXX, and XXXX. In addition to removing all previous incorrect reports/information from previous months. Account XXXX and Account XXXX
Company Response:
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
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 Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. Incorrect Items : LVNV Funding LLC, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX
Company Response:
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: According to the Fcra once an account are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX balance and no longer have a past due amount this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. LVNV Funding LLC # xxxxxxxxxxxx XXXX has a past due amount listed on the account with all 3 credit bureaus which is incorrect reporting please see proof of inaccuracies in the photos I have included They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 item 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.
Company Response:
State: FL
Zip: 32713
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A