Date Received: 2023-11-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XXXX XXXX I called Resurgent Recievables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ordered them to cease and s desist they said they had resciwved my mail because she asked if I wanted to lift the cease and desist. I said No why would I at that time knowing they had my mail I sent they were still reporting on all three credit agencies, XXXX, XXXX and XXXX XXXX as I look today on XX/XX/2023. They removed XXXX and XXXX XXXX file but they left XXXX file heres the proof in screenshot I am sending them XXXX bill and to their Secretary of State Im tired of not getting paid from these corporations and they violate us everyday You know they do. I have yet to get any payment so I will take this into my own hands since I never get a check from cfpb for this usury and fraud that goes on daily the American people are becoming aware of all the fraud in the government. Not all but most especially the fake court judges and their policies. I demand payment what more proof so I need
Company Response:
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a new complaint with Resurgent for a different account. Resurgent Capital Service is a special case and is attempting to collect on a debt that I do not owe. Resurgent is stating that they are collecting on behalf of LVNV. Furthermore this is not the only creditor that is trying to collect on this alleged debt. XXXX XXXX XXXX is also in violation of FCRA, and FDCPA Laws. As soon as I got a letter from Resurgent Capital Services I sent them one myself. I sent Resurgent a letter of dispute of the alleged debt on XX/XX/2023 for validation of debt 12 CFR 1006.34 - Notice for validation of debts. I did not get any response from Resurgent regarding this alleged debt. I did give Resurgent a chance in good faith to validate the alleged debt. I really don't have to because I have disputed this alleged debt with LVNV, the company claiming ownership of the alleged debt. The problem with Resurgent is that this company is furnishing information about me without having permissible purposes according to the FCRA. This makes it an Identity theft. These are the violations of Consumer LAWS, and Criminal LAW. 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft.
Company Response:
State: CA
Zip: 92243
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been getting collections from Resurgent and LVNV about an alleged fingerhut account I never had or benefited from and its damaging my credit. I recently learned I was a victim of the XXXX data breech, see attached and filed a FTC id theft report. I would appreciate these accounts being taken off my credit bureau asap as they are incorrect and not mine.
Company Response:
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am still having trouble with removing the fraud from my report my whole complete identity was changed address name spelling telephone numbers and accounts where added from my caregiver stealing from me while sick and insurance fraud from the rental company XXXX XXXX XXXX, I have video proof that the apartment was cleaned I paid a service to clean i have video proof that the apartment was in good condition and a letter in the form of affidavit that the carpet was 5 years old when i moved in because the original apartment was infested with roaches in the back. and I have recourse for all the information I have listed. XXXX XXXX XXXX has two fraud accounts and they won't remove them I have provided them and XXXX with police report number about my case and proof of affidavits which I have copies of no response or reply. I talked to LVNV funding to they disregarded my information due to frivolous reasons that I filed out the form incorrectly I will list the police report and the affidavit I sent them below. that they couldn't find the account when I put the account numbers that were sent and told to me by their agent. However they want me to resubmit the documents and they had to update the information only by mail I need these issues resolved because I didn't destroy the unit at XXXX XXXX i have video evidence and they have also filled mutilple account charges from their company and another company XXXX XXXX XXXX for XXXX on a bond that i never hade knowledge of they take your signature and sign it manually in the back office not aware of any contract with the original creditor I reported to the XXXX XXXX fraud agency that they have made fraud reports on insurance claims because i have evidence no repsonse from XXXX XXXX management nor its affiliates they are operating in shady business practices.
Company Response:
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is the second time I notice this fraudulent account coming from LVNV, after looking into the alleged best in all three credit reporting agencies XXXX, XXXX, and XXXX I then forward to dispute this alleged debt with LVNV. I sent LVNV a letter of dispute on XX/XX/2023 and did not get any response. So I sent a second letter on XX/XX/2023 and I did not get a response either. Furthermore there are XXXX other collection agencies collection on the some alleged debt. The companies attempting to collect on a debt that I do not owe are XXXX XXXX XXXX and XXXX XXXX XXXX. LVNV did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts, or 15 U.S. Code 1692g - Validation of debts. This is the second time I dealt with LVNV and never responded to my dispute letters of Validation of debt. XXXX XXXX found LVNV in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer. I will provide documents that support my claim. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about, which XXXX XXXX XXXX continues to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. These are the violations of Consumer LAWS
Company Response:
State: CA
Zip: 92243
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX and LVNV Funding, is in violation of 15 USC 6801 & 6802 by reporting this account ( non-public information ) on my consumer credit report without my prior consent and/or authorization. XXXX XXXX XXXX XXXX ( original creditor ) provided no inconspicuous " Opt-out '' or " Right to Rescind '' forms during or after the opening of account XXXXXXXX as required by law in accordance with 15 USC 1635. XXXX, XXXX XXXX XXXX XXXX, and LVNV Funding are in violation of 15 USC 1611 by willfully providing false and/or inaccurate information on my consumer credit report. As a result, I am harmed due to being denied full access to credit, which has created financial hardships for my family and I.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX Re-aged account and reported wrong account begin dates on credit reports. LVNV FUNDING LLC changed the begin dates to well after they had already bought and acquired the debt. LVNV FUNDING LLC failed to send a copy of the original creditors contract and all pertaining documents when requested.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: All is debit is fraud I dnt owe dis money also XXXX is da bank and they charge da account off also da acct is closed so I owe dis company Nuttin
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A