Date Received: 2023-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: company has written account as charge off in the amount of {$640.00}. contacted company to have the 1099-c forum sent to me company refused. As far as I'm concern this is a third party company who has taken this debt as a tax write off and still reporting it on my credit report which is deformation of character and not allowed according to the 15.U.S.C. 1681 Law. I am also requesting that the company send me the " ORIGINAL '' contract copy with my signature I am also requesting that this company send a copy of the payment history, as well as the " ORIGINAL ' address of the " ORIGINAL '' creditor and I am also asking for proof of collection authorization.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please be advised that I have sent in different occasions to RESURGENT CAPITAL SERVICES, LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, RESURGENT CAPITAL SERVICES, LP must prove that this acct is mine showing any existing contract or application signed by me with my social security number.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This Debtor has multiple FCRA violations. XX/XX/XXXX, My credit report stated I had an collection from ( LVNV FUNDING ACCOUNT # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX XXXX XXXX and reported " Meets FCRA requirements '' on a separate account. ( violations : balance on account charged off, proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XX/XX/XXXX. Debtor removed collection account from XXXX only. Debt collector reported " I requested to be removed on all bureau. Debtor failed Request. Debtor reported " Meets FCRA requirements '' ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX as of XX/XX/XXXX. ) violations : balance on account charged off, proof of debt with wet signature, payment status as late on a collection account on XXXX as of XX/XX/XXXX ) XX/XX/XXXX, I Disputed this collection with twice XXXX XXXX XXXX XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX. and reported " Meets FCRA requirements '' On XXXX as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX as of XX/XX/XXXX. payment status as late on a collection account on XXXX as of XX/XX/XXXX ) I Disputed this collection with three times XXXX and XXXX. XX/XX/XXXX, Debtor has not responded to my request or updated my account. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There was XXXX XXXX account that had fraud charges. XXXX XXXX removed the debt off my credit report and closed the investigation as final no charges to me. This is affecting my credit and I wrote called and let them know the debt was removed.
Company Response:
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX XXXX sold to LVNV FUNDING ACCOUNT # XXXX listed multiple times on my credit report. on XXXX I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, Debtor purchased debt ( violations : proof of debt with wet signature. ) XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XXXX. Creditor removed collection account from XXXX XXXX XXXX and one time on XXXX only. I requested to be removed on all bureau. creditor sold debt to Debtor and Debtor failed Request. Debtor purchased debt violations : proof of debt with wet signature, XX/XX/XXXXXXXX I Disputed this collection with twice XXXX XXXX Debitor reported the collection account on XX/XX/XXXX with the same account On XXXX XXXX XXXX as of XXXX ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXXXXXX on XXXX as of XXXX XXXX payment status is late 120 days on a collection account XX/XX/XXXXXXXX Debtor has reported the collection to XXXX ON XX/XX/XXXX Debtor has not responded to my request or updated my account on XXXX XXXX XXXX. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately.debtor failed to update the comment section that i disputed this account. debtor and bureau deleted the information on XXXX XXXX XXXX and reported the account as of todays date XX/XX/XXXXXXXX Creditor ( XXXX XXXX XXXX removed from XXXX sold the debt to LVNV and then LVNV reported the collection on my account and did not update in the comment section that an investigation was completed
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Re : Cease and Desist Letter Pursuant to XXXX XXXX Dear Resurgent I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into. It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities. I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law. I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions. 2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question. 3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation. 4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law. Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages. This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law. I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have contacted a company called LVNV Funding / Resurgent now several times via mail to get a better explanation of a debt they are reporting on my credit report in the amount of {$230.00}. Every time I ask them to show me how they calculated what they claim I owe them, they just send me the same piece of paper from XXXX, which is a bill from XXXX. The first letter I sent to them was on XX/XX/XXXX, the second letter requesting some sort of breakdown or info for what the debt is for was sent on XX/XX/XXXX and they responded with the same letter, which includes a bill from XXXX. This in no way validates any sort of debt. Furthermore, I wrote them once again on XX/XX/XXXX to get more info on this debt they are reporting and they clearly violated the FDCPA by contacting me via mail when I made it clear I only wanted to be contacted by email.
Company Response:
State: GA
Zip: 30241
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I have never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I utilized the Federal Trade Commission Identity Theft website to generate and send a letter to the collection agent stating that charges made to the account ( s ) in question were the result of fraud/identity theft. In accordance with the FCRA, and as clearly outlined in the letter ( s ) sent on XXXX XXXX XXXX the following was requested ( and ignored ) by the collection agency, specifically : " I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : - Account applications made on paper, online, or by telephone - Account statements or invoices - Records of payment or charge slips - Delivery addresses associated with the account - Records of phone numbers used to activate or access the account - Signatures on applications and accounts - Investigators report Please send me a letter explaining what you have done to : - Inform the business where the account was opened that the debt is the result of identity theft - Stop collection activities against me - Stop reporting information about the debt to credit reporting agencies- If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft - Provide me with the records I request '' To date, the collection agency has ignored these requests and have failed to provide any documentation requested, or cease collection activity against me for the two accounts they currently hold. The debt ( s ) are, as of XXXX XXXX XXXX still reporting as owed and no notation has been made by creditor or the reporting agencies to specify that these charges were the result of fraud/theft. The collection agency in question continues to contact me in an attempt to collect a debt that I do not owe and did not authorize. To date, the collection agency and their attorney/servicer have been provided with : - FTC Identity Theft Report - Proof of Identity - Notice to Furnishers of Information
Company Response:
State: CO
Zip: 80403
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never heard of " LVNV '' or the purported original alleged creditor. I do not owe them any money whatsoever. I am, and have been, the victim of identity theft. When I saw their derogatory entry on my credit report on XXXX XXXX XXXX I took immediate action by filing a dispute there, with the bureaus, and with " LVNV. '' That's why I am shocked to receive a notice today from " XXXX '' that " LVNV '' has not been removed from my " XXXX '' report. It makes me think that " LVNV '' is predatory and may have lied to " XXXX '' about this alleged account, but this is only a theory and my opinion. " XXXX '' likely contacted them ( " LVNV '' ) when prompted by " XXXX '' and that was it ; there seems to be no real investigation. I have never been contacted by " LVNV, '' and when you look them up, their ratings and reviews are not good. Nevertheless, because I know I am in the right, I have written to them. Can you please help me? Thank you!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A