Date Received: 2023-11-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Invalid credit report item was realized, disputed, and was updated as valid by XXXX XXXX and the alleged lender. We have not entered into contract for any amount with it or the original alleged Creditor.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My wallet was stolen in XXXX XXXX Texas, 10 years ago, and accounts was opened in my name. I have no knowledge of these accounts. And is still on my report after 7 years.
Company Response:
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
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: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Discrepancy in Credit Report - Request for Resolution Dear CFPB I am writing to dispute an erroneous entry on my credit report that is negatively impacting my credit score. The inaccurate information in question is related to debt on my account, and is associated with RESURGENT/LVNV FUNDING. Account # : XXXX Bal {$700.00} Date : XX/XX/XXXX Account # : XXXX Bal {$1700.00} Date : XX/XX/XXXX I have thoroughly reviewed my credit report, and I can confirm that this item is not mine. I have never had any financial dealings or accounts with RESURGENT/LVNV FUNDING, and I have consistently maintained a responsible financial history. The appearance of this item on my credit report has caused considerable distress and potential harm to my creditworthiness. I have attached a copy of my credit report highlighting the inaccurate entry for your reference. I kindly request that you investigate this matter promptly and take the necessary steps to correct my credit report to reflect the accurate information. This includes removing the erroneous item and updating my credit history accordingly. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation within 30 days of receiving a dispute. I also request that you notify me in writing of the results of your investigation once it is completed. Please be advised that this discrepancy is negatively impacting my ability to secure credit, loans, and financial opportunities, and I trust that you will handle this matter with the utmost urgency and diligence. Thank you for your prompt attention to this matter. I can be reached at. should you require any further information or clarification. I look forward to a swift resolution of this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph : XXXX SS # XXXX
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX took this off my credit in XX/XX/XXXX because it was identity theft, It was placed on Lnvn Collections in XXXX of XXXX. I asked them to send me a copy of contract they sent me an affidavit. I want this account removed from my XXXX because XXXX and XXXX removed in XXXX of XXXX because this is not my account, I have sent XXXX letters and they keep saying verfied with no proof, I sent them ftc report dated back in XXXX and police report and still have not taking off my credit report.
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
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 listed tickets to a concert on XXXX. A buyer bought the tickets. I delivered the tickets to the buyer. However, because I used a method other than the one XXXX suggested, they assumed I did not deliver the tickets, cancelled the sale and charged me a fee equal to the cost of the tickets. I confirmed with the buyer of the tickets that they received the tickets, attended the performance, and did not contact XXXX to have them cancel the sale. Since I did not fail to deliver the tickets, I should not have been charged a fee for failure to deliver the tickets. I contacted the credit card company, XXXX XXXX, to dispute the charge, but they did not respond and sent the account to collections. I have contacted the collection agency about the debt, but they only respond by sending me copies of the XXXX XXXX statement, which indicates there was a balance, but for something I should not have been charged for.
Company Response:
State: MA
Zip: 01602
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. RESURGENT/LVNV FUNDING is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by RESURGENT/LVNV FUNDING. Please be advised that providing a memorandum or other statement from your agency, stating that RESURGENT/LVNV FUNDING the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV sued me to collect a debt that they couldnt prove was mine and also couldnt prove that they own the debt. So in court they voluntarily dismissed the case after not being able to provide the following proof that the account is mine : authenticated GAAP of said credit card account, the purchase agreement with my wet signature and an Audit trail. Notice of Cease and Desist This is a warning notice to the alleged wrongdoer of such debt which you're a debt collector because you are simply attempting to collect an alleged debt. I noticed I've been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), there is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights. According to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and I am demanding all of the following : - I refuse to pay this alleged debt - Stop illegal negative reporting activity to ALL consumer reporting agencies and report as positive reports- A Check of {$6000.00} worth of violations under FDCPA sent to my name and address 15 US 1681 b ( furnishing a consumer report without the consent of the consumer 15 USC 1681 1a, 2b ( furnishing an account that was created from a credit card 15 USC 1692j ( furnishing a deceptive form to make the consumer believe they owe a debt 15 USC 1692 b ( stating a consumer owes a debt ) 15 USC 1692 I a, b ( suing a consumer without authorization of the consumer ) You are civilly liable if I don't receive a response compliant to my Cease & Desist and my demanded payment. That will be an additional violation pursuant to the FDCPA and I will take legal action and litigation will be brought upon you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear XXXX, I hope this message finds you well. I am writing in response to your recent correspondence dated XX/XX/2023. It appears that there may be a misunderstanding regarding my previous request for debt validation and the subsequent communication. In my initial letter dated XX/XX/2023, I explicitly requested validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I requested a copy of a signed contract or agreement that was signed by all parties involved. Regrettably, your response included an account summary, which does not meet the criteria for proper validation. Under the FDCPA, it is crucial that collectors provide clear and accurate validation of a debt, including the requested documentation. Furthermore, I asked that all collection activity, including credit reporting, be ceased immediately. This is in line with my rights under the FDCPA. Despite this request, it appears that reporting on the disputed debt has not been halted, and my personal information has been shared without my consent to third parties, which raises concerns about consumer privacy. In light of these issues, I must emphasize that your response has not adequately addressed my specific requests and appears to be in violation of the FDCPA. I would like to draw your attention to the following points : 1. Failure to provide proper validation of the alleged debt by not supplying a signed contract or agreement as requested. An account summary does not fulfill the requirements of debt validation. The FDCPA stipulates that collectors should not attempt to collect any debt that is not expressly authorized by an agreement creating the debt or permitted by law. 2. Failure to cease credit reporting on the disputed alleged debt. Under the FDCPA, it is considered misleading to communicate credit information that is unknown or should be known to be false. In the spirit of transparency, I would also like to inform you that a lawsuit was recently brought against me by XXXX XXXX for similar claims. I am pleased to report that I successfully defended my case in court, demonstrating my commitment to upholding my rights and holding debt collectors accountable for their actions. Due to the issues outlined above, I have experienced additional stress, credit damage, and incurred costs, which I believe could have been avoided. You have missed the opportunity to resolve this matter amicably without resorting to litigation. As such, I intend to seek legal counsel to initiate litigation against you under the FDCPA. However, you may still choose to rectify the situation before formal legal action is taken. To resolve my FDCPA claims, I kindly request that you take the following actions : 1. Cease and desist all collection activity related to the alleged debt. XXXX. Delete all credit reporting associated with the disputed debt. 3. Tender the amount of {$1000.00} U.S. payable to the order of XXXX XXXX within XXXX business days from the receipt of this notice. I believe that resolving this matter promptly and in a compliant manner is in the best interest of all parties involved. I look forward to your timely response and cooperation. Respectfully, XXXX XXXX
Company Response:
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2023 the NJ court officer requested funds to be held on my personal checking account be held on a very old past debt. These funds are protected by law as they were my unemployment benefits which have since been depleted. I have attempted by phone, fax & mail to have these funds be released back to me and no one is assisting
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A