Date Received: 2023-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I spoke with Resurgent Capital Services on XXXX.2023. I spoke with a representive, and advised her that i was attempting to dispute by balance. She advised me that I can not dispute by phone, unless i update my address. i refused to update my address due to privacy concerns. she advised me that i can not verbally dispute with out updating my address. I then asked 2 more times if i can dispute my balance with out updating my address. she stated that i can not. I then requested a manager. The manager advised me that i can indeed dispute with out updating my address. The original rep gave me false and misleading statements whille attempting to collect a debt. Per the FDCPA She was in violations of section 15 U.S.C. 1692e.I advised the manager that i do not recognize this debt, and i want to dispute. I Advised her that i am Requesting Validation of the Debt, which is the signed contract binding both parties pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Company Response:
State: IL
Zip: 60090
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this accountInstructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of 1997 and the Administration of Justice Act 1970 which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation
Company Response:
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I spoke with Resurgent Capital Services on XXXX. I spoke with a representive, and advised her that i was attempting to dispute by balance. She advised me that I can not dispute by phone, unless i update my address. i refused to update my address due to privacy concerns. she advised me that i can not verbally dispute with out updating my address. I then asked 2 more times if i can dispute my balance with out updating my address. she stated that i can not. I then requested a manager. The manager advised me that i can indeed dispute with out updating my address. The original rep gave me false and misleading statements whille attempting to collect a debt. Per the FDCPA She was in violations of section 15 U.S.C. 1692e.I advised the manager that i do not recognize this debt, and i want to dispute. I Advised her that i am Requesting Validation of the Debt, which is the signed contract binding both parties pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Company Response:
State: IL
Zip: 60090
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to the Dept of Ed XXXX to get a copy of my original contract showing I took loans out. I told them I have been.a victim of Identity theft and victim of domestic abuse so many of the loans or items on my credit was mostly likely not me. I sent the letter back in XXXX and still haven't received a response. Also, called them at XXXX couldn't provide me with the contract. DEPT OF EDXXXX Acct XXXX XXXX Amount : {$6500.00} XXXX XXXX XXXX XXXX OF ED/XXXX Acct # XXXX Amount : XXXX XXXX XXXX XXXX OF ED/XXXX Acct # XXXX Amount : {$5300.00} XXXX {$5300.00} XXXX DEPT OF ED/XXXX Acct # XXXX Amount : {$3500.00} XXXX {$3500.00} XXXX DEPT OF ED/XXXX Acct # XXXX Amount : {$2200.00} XXXX {$2200.00} XXXX XXXX XXXX Acct # XXXX Amount {$9700.00} XXXX {$8600.00} XXXX No contract with them. I called and wrote a letter and haven't received any thing back from the company. LVN Funding Acct # XXXX Amount : {$1000.00} XXXX {$1000.00} XXXX There can't be an open account as a collection that is a violation. Also, this company hasn't sent any proof of contract or proof that I had any accounts with them.
Company Response:
State: TX
Zip: 77357
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Upon discovery after viewing my consumer report I see that LVNV Funding LLC is reporting an alleged debt onto my consumer report. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that LVNV Funding LLC send me verification - ( sworn under oath 28 USC 1746 ) of this alleged account pursuant to 15 USC 1692g ( b ). I am also demanding LVNV Funding LLC cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )
Company Response:
State: NC
Zip: 28625
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy.
Company Response:
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: on XXXX i was applying for the XXXX in Alaska and there website glitched when i hit submit the page reloaded with someone else info from XXXX Alaska it showed me me their address date of birth ssn and bank info i got XXXX other calls saying my info pop up on there screen shortly after the pfd data breach accounts that i did not open started appearing on my credit reports
Company Response:
State: AK
Zip: 99508
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I told them that my wife stole my personal information and used to to take out cards and I didn't know she did it until she passed away and I can't file a police report on a deceased person. I'm homeless with my daughter and can't get an apartment now because my credit score is XXXX and it's not my fault.
Company Response:
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Amount {$1100.00} Date Unknown Hi, I have tried countless times to dispute the issue with XXXX and Resurgent every time I call and provide my information they tell me that they can't help me because the social security number they have does not match my account however they continue to report this account on my credit report. They even told me that the social security does not match it has my name and therefore I am responsible for the account XXXX XXXX XXXX RE : Validation Requested RE : Account # XXXX To whom it may Concern, I dispute your claim and I am requesting validation from you under the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide a breakdown of fees including how you calculated what you claim I owe. Please provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Please send this information to my address and accept this letter as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A