Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I requested validation of debt from the original company. I never received a response of the information requested. The information on my credit report is reporting inaccurate.
Company Response:
State: TX
Zip: 75503
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX credit report viewed on website and disputed the validity of fake debts I have in past as they cant provide me wet signature to prove it was ever mine but XXXX XXXX XXXX XXXX are listed presently as two separate neg debts making any potential creditor believe I am owing two different debts when its same evidence by my screenshot showing both same account numbers. My score is suffering and fico and although I disputed u was supposed to get new car and this is going to drastically affect my finance rate and charges i am now offered. Im so mad this is super illegal to misrepresent the same debt as two separate one knowing I less likely to ever get approved with more debt ofc
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a current Complaint with a Complaint ID XXXX. The resolution I said I wanted was my car back for a settlement of {$5000.00} and that debt be satisfied. So on XX/XX/2023 I got a call from a person by the name of XXXX XXXX with Resurgent Capital Services stating they received the complaint and is willing to accept my settlement offer of {$5000.00}. I said I will call back later that day to discuss further about details and about payment methods. Later in the day after XXXX tries I was able to get ahold of XXXX and discuss details and address my concerns, XXXX being if I pay the {$5000.00} will I owe any more money or fees to them regarding this debt and any fees associated with the Repossession of my vehicle to the repossession company. She assured me that once the debt was paid I would no longer owe any money regarding this debt and my vehicle would be released. So I would not owe any money to the repossession company because how Resurgent Capital Services have it structured with the repossession company is, Resurgent Capital Services Pays the fees out of there pocket which is why I didn't get the XXXX hour Notice of XXXX because the Repossession Company sends that letter to them. Next concern I had was title to car, would I receive that once payment was made. XXXX assured me that they would XXXX told me the quickest was would be to go pick it up @ an auction facility called XXXX in XXXX but that they can arrange the car to be delivered to me but that would take XXXX days to be delivered. I told her that delivery is fine because I had no way to get to XXXX. The last thing were my belongings. I never received an Itemized list of my belongings. XXXX stated that she believes the repo Company never Got access to inside the car and I said then how did they tow it, she stated they have special dolly 's that they use for cars they have no access to. That XXXX has my belongings after rekeying the car. Now I am Asking XXXX for Documentation showing all that I am stating and she says she can Fax over the Settlement letter if I have a fax # or she can mail it to me but that will take some time. I said I think I have a fax # but have to double check and I would get back to her we agreed and realized they are about to close so I would take care of it in the following morning XX/XX/2023. In the morning of XX/XX/2023 I called Resurgent Capital Services to Give the fax # and XXXX told me that they are going to overnight ship the settlement offer but they would fax the document as well I said great I will wait to receive the settlement offer to go over before payment is made which is what I did. I waited for the fax that day which I did not receive which was not that big of a deal since they were shipping the settlement offer overnight and i would just have to wait til XX/XX/2023 to receive it and have to wait til Monday XX/XX/2023 to resolve. XX/XX/2023 I received the settlement letter and to me was very vague and not detailed and kind of confusing. Nothing in the letter states the word settlement as they described it to me over the phone. It just states that the Account is being serviced by Resurgent Capital Services. LVNV Funding LLC is the current holder of the lien on the vehicle, has agreed to release the lien for less than the current outstanding balance. By Paying {$5000.00}, LVNV Funding LLC will consider the Lien satisfied and execute any documents necessary to affect its release. All Payment will be applied toward my account balance at time of set up of {$23000.00}. That doesn't sounds like they are taking a settlement but putting it towards balanced owed. Sounds very conflicting in the letter. So I called Resurgent XXXX XXXX to discuss this on XX/XX/2023 I spoke to a person by the name of XXXX XXXX and addressed my concerns. She told me that is how they send all their settlement offers, Its Generic. I also addresses that how do I know once I make payment they just take payment and i have to resolve all issues myself. I was assured that they would honor what we discussed previously which once payment was made, I they would release title and mail it to me, they would have my car delivered to me, I would no longer owe any money toward this debt and the debt would be satisfied. and i would receive all my belongings but would follow up where my belongings are and let me know once I call back with payment. So I am writing this as documentation stating all my concerns before I make payment because I did not get any of this in writing. only verbal. My trust with them has been lost due to how they handle this whole situation which is what made me file a complaint in the first place.
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These should not be showing on my credit at all and I assert I have shown and provided proof I was a victim of the XXXX XXXX XXXX breach Im reporting to CAPB to have them removed immediately as I do not recognize
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C.1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC. Just try.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a letter from XXXX funding in response to my letter to settle any so called debt I owe. I stated ill pay this so called debt of {$680.00} in regards to account ending in XXXX that I might owe if the following info is provided ; contract with both parties signature, a invoice ( not summary ). They responded sending me a account summary. I replied saying this is my 2nd and last attempt to settle this debt. And that they failed to provide with what I asked to prove these Accusations about me. I sent out this letter XX/XX/2023. XXXX attach last letter I sent to them. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end
Company Response:
State: AR
Zip: 72802
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from LVNV Funding LLC, XXXX XXXX XXXX and XXXX XXXX XXXX are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with LVNV Funding LLC, XXXX XXXX or XXXX XXXX XXXX and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, XXXX XXXX XXXX 's and XXXX XXXX XXXX XXXX obligation not to furnish inaccurate information to credit reporting agencies. FCRA Section 621 : LVNV Funding LLC, XXXX XXXX 's and XXXX XXXX XXXX potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ XXXX {$1000.00}. Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts. Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. I have never had any dealings with LVNV Funding LLC, XXXX XXXX or XXXX XXXX and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. I demand the immediate : Investigation of this matter by the CFPB. Removal of the inaccurate collection account from my credit report by LVNV Funding LLC, XXXX XXXX and XXXX XXXX XXXX. Compensation for my time and effort spent disputing this illegal account. Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. Thank you for your prompt and serious attention to this critical matter. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am not liable for this debt of {$300.00} with LVNV Funding. The LVNV Account number is unknown. **** I do not have a contract with LVNV Funding. They did not provide me with the original contract as I requested with my wet signature and ID verification.
Company Response:
State: AL
Zip: 36801
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There was an account opened in my name while I was XXXX which resulted in fraud that I did not have any knowledge of. I truly am just trying to build my credit because someone used my information and opened up these accounts without my knowledge. This is affecting my ability to buy a car and town home please help me get rid of this.
Company Response:
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus ae not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below
Company Response:
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A