Date Received: 2023-10-14
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} XXXX XXXX XXXX - {$1400.00}
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company has no written consent to use any information for credit reporting. This is a violation of my consumer rights. I don't know this company and how this company was able to use my credit information. Every account on my credit report is close and my credit is frozen.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I found 3 accounts by LVNV funding LLC on my CRAs while I was trying to rent a home. I am still homeless because they refuse to respond to my debt verification letter, but continue to report collections to the CRAs, even after attempting to dispute the unverified debts several times
Company Response:
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They refuse to delete this information from my credit report
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023, I viewed my XXXX, XXXX and XXXX consumer report and located a negative credit report from LVNV FUNDING LLC XXXX XXXX RESURGENT CAPITAL SERVICES L.P. On XX/XX/2023, I sent a notice of dispute, debt validation and cease and desist to the debt collector to communicated with me thru mail only. On XX/XX/2023, RESURGENT CAPITAL SERVICES L.P. sent me an alleged statement to validate the alleged debt. Unfortunately, a statement is not validation or verification of the alleged debt. In a communication dated XX/XX/2023, they sent me what seems to be a debt validation letter which seems deceptive to me as the debt collector has all ready taken adverse action against me.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV funding LLC is reporting inaccurate and unverifiable information. The account numberXXXX under reference number XXXX can not verified under personal information with LVNV funding and XXXX XXXX XXXX XXXX XXXX. I am requesting that LVNV funding LLC delete this account from my credit profile under the FRCA section 609 and 605B. Section 609 states every consumer reporting agency should be reporting accurate, verify able information to the consumer credit report. If the information is not accurate or verify able it should be deleted. XXXX XXXX from XXXX XXXX XXXX could not verify that my social matched the social they had for account ending in XXXX. Under section 605B ( a ) ( 1 ( ) 2 ) of the FCRA XXXX XXXX XXXX and LVNV funding, a consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identities as information that resulted in identity theft, not later than XXXX business days after the date of receipt by such agency of a copy of an identity theft report.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This debt servicer has been violating my privacy and alleging a debt is owed. But I have no agreements with them or the debt collector, or the alleged original creditor. I do not recognize this debt. They are violating my privacy, and using harassment sending multiple emails and letters to me after I requested they stop all communication. I am requesting complete debt validation along with a written request for information under Truth in Lending Act. They have 30 days to respond from today. Delivery in this Consumer Finance Complaint portal confirms their receipt of this request from the federally and state protected consumer. The attached screenshots show what information and documents were requested to validate the creation of this alleged debt, its sale, and assignment, and any agreements to support that. I believe LVNV Funding is misrepresenting themselves as another company to attempt to collect their own debt and make it seem like a third party is collecting because the email on their licensing page says resurgent.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This debt servicer has been violating my privacy and alleging a debt is owed. But I have no agreements with them or the debt collector, or the alleged original creditor. I do not recognize this debt. They are violating my privacy, and using harassment sending multiple emails and letters to me after I requested they stop all communication. I am requesting complete debt validation along with a written request for information under Truth in Lending Act. They have 30 days to respond from today. Delivery in this Consumer Finance Complaint portal confirms their receipt of this request from the federally and state protected consumer. The attached screenshots show what information and documents were requested to validate the creation of this alleged debt, its sale, and assignment, and any agreements to support that. I believe LVNV Funding is misrepresenting themselves as another company to attempt to collect their own debt and make it seem like a third party is collecting because the email on their licensing page says resurgent.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The Police Report tells what happened! Resurgent took over the account!! So I'm responding to the 5 questions resurgent states to reinvestigate for fraud by different departments, and show different documents relating to the subject, unauthorized use and fraud and suspect charged!!!! I'm the victim here XXXX XXXX XXXX by FCRA and CFPB LAWS!!! SHOULD HAVE CLOSED THE ACCOUNT AND THEN SENT ME A NEW CARD, WITH MY REFUND ( FDIC )!!! BUT INSTEAD, THEY SOLD MY INFORMATION TO LVNV, NOW, RESURGENT, WHEN THEY CHARGED OFF!! I DONT OWE XXXX XXXX XXXX ANY MONEY!!! IM ASKING XXXX XXXX XXXX, LVNV, AND RESURGENT TO DELETE ANY AND ALL INFORMATION ABOUT ME FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES ASAP!!
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2022 ; LVNV funding began to report a negative account to my credit reports for XXXX, XXXX and XXXX on Behalf of XXXX XXXX XXXX I have never opened any accounts with XXXX XXXX XXXX and do not acknowledge this debt and have never received any information regarding my right to dispute this information. I have attempted to dispute this information with XXXX and this company refuses to provide me with any documentation proving that this account belongs to me or their right to attempt to collect on this account. The above mentioned bank is in a state in which I do not reside and the lack of proof being verified as accurate with the credit bureau is puzzling. When I tried to contact XXXX XXXX XXXX, they do not seem to have record of this account and could not provide me any information and agreed to delete this account from my credit reports and I suggest that LVNV funding do the same by closing and removing this trade line from the credit bureaus with no changes to this account. I do not acknowledge this debt and if the creditor can not produce and signed documents that I agreed to any accounts with this company, then to stop harassing me and remove the account or further legal action will be taken against them.
Company Response:
State: OK
Zip: 74136
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A