Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and open a credit card. I asked the company if someone gave them prove of identification and they said they don't have none. The lady than took her word back and said she doesn't know if anyone gave ID to open account. I asked for a statement for I can file a police report she said she can't. I honestly felt she didn't want to help, she only wanted to collect money. I tried to explain I did not open this account but than I get hung up on after I was placed on hold for XXXX minutes.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if any and all derogatory information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information
Company Response:
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX my identity was stolen and once realized, I filed a police report and identity theft report with the ftc and notified the credit bureaus and companies involved of said fraud. The guilty party is currently being prosecuted in XXXX, Texas. Since notifying XXXX communications of the identity theft, the debt attached to this fraudulent account has been sold over and over again to different creditors, causing a hit to my credit each time it and each time, I am having to contact each company and file disputes, when this should have been taken care of and deleted YEARS ago. I want to file this complaint because the selling of this debt has to be illegal since the account was obtained illegally. Please take the necessary steps to penalize all parties involved in the continued selling of this illegal debt. I should not have to file a complaint to get companies to follow the laws set forth by the laws of this land. Please help!
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 LVNV FUNDING LLC. XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reaD. They never verify. I did send them letters they didnt respond.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I contacted XXXX XXXX and filed a complaint through CFPB. The interest rate was extremely high. I was paying them and struggling to pay my other bills due to XXXX. Although I was paying them, since the interest rate was so high I the amount due wasn't decreasing. They sold the account to LVNV Funding. I was notified by either company until I saw the XXXX negative reportings on my credit.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i asked for a sign agreement or proper proof of these accounts
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to request the intervention and assistance in a matter concerning LVNV Funding LLC and Resurgent Capital Services, both of whom have been reporting an alleged debt on my credit report, account number # XXXX, which I assert does not belong to me. I have taken all reasonable steps to resolve this matter directly with the aforementioned creditors, but have encountered unresponsiveness and non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending them an initial written dispute letter, in accordance with the FCRA, formally inquiring about a debt of {$1600.00} that they have been reporting on my credit report. I unequivocally stated in my letter that I have no knowledge or record of opening any account with their organization, nor do I have any reason to believe that the aforementioned debt is legitimate or attributable to me. In response to my dispute, LVNV Funding LLC redirected me to Resurgent Capital Services, stating that the alleged debt is being managed by the latter, and Resurgent responded with a hurried letter for payment, without proof of debt ownership. In accordance with the FCRA, I promptly sent a follow-up letter to Resurgent Capital Services , and LVNV Funding LLC seeking validation of this debt and demanding that they provide clear and convincing evidence that I am responsible for the alleged obligation. However, as of the date of this correspondence, I have not received any response or communication from either LVNV Funding LLC or Resurgent Capital Services. Their lack of response not only contravenes my rights as a consumer under federal law but also undermines the integrity of the credit reporting system. Both LVNV Funding LLC and Resurgent Capital Services continue to report the same account number # XXXX on my credit profile, without providing me with any verifiable proof that this debt is indeed mine. I believe that my rights under the FCRA and FDCPA have been violated, as I have diligently followed the prescribed procedures for disputing and validating a debt, yet have encountered a flagrant disregard for these legal requirements by both LVNV Funding LLC and Resurgent Capital Services.
Company Response:
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 1. Lvnv Funding LLC XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX BE ADVISED, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but A request for " Validation '' made pursuant to the above-named TITLE and Section. I respectfully request your offices to provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices keep reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX AND XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. You are in VIOLATION OF the Fair Credit Reporting Act, VIOLATION of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER ( per se ). These Accounts are not mines.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to request the intervention and assistance in a matter concerning LVNV Funding LLC and Resurgent Capital Services, both of whom have been reporting an alleged debt on my credit report, account number # XXXX, which I assert does not belong to me. I have taken all reasonable steps to resolve this matter directly with the aforementioned creditors, but have encountered unresponsiveness and non-compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2023, I initiated contact with LVNV Funding LLC by sending them an initial written dispute letter, in accordance with the FCRA, formally inquiring about a debt of {$1600.00} that they have been reporting on my credit report. I unequivocally stated in my letter that I have no knowledge or record of opening any account with their organization, nor do I have any reason to believe that the aforementioned debt is legitimate or attributable to me. In response to my dispute, LVNV Funding LLC redirected me to Resurgent Capital Services, stating that the alleged debt is being managed by the latter, and Resurgent responded with a hurried letter for payment, without proof of debt ownership. In accordance with the FCRA, I promptly sent a follow-up letter to Resurgent Capital Services , and LVNV Funding LLC seeking validation of this debt and demanding that they provide clear and convincing evidence that I am responsible for the alleged obligation. However, as of the date of this correspondence, I have not received any response or communication from either LVNV Funding LLC or Resurgent Capital Services. Their lack of response not only contravenes my rights as a consumer under federal law but also undermines the integrity of the credit reporting system. Both LVNV Funding LLC and Resurgent Capital Services continue to report the same account number # XXXX on my credit profile, without providing me with any verifiable proof that this debt is indeed mine. I believe that my rights under the FCRA and FDCPA have been violated, as I have diligently followed the prescribed procedures for disputing and validating a debt, yet have encountered a flagrant disregard for these legal requirements by both LVNV Funding LLC and Resurgent Capital Services.
Company Response:
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: this company took on a debt from a company that I NEVER used. They sent transactions that are in another state over a course of time, that does NOT match my address. A credit card was never mailed to me, I never applied for such. I'd already reported fraud on my credit profiles after being alerted that my information was listed on the dark web, I also reported as soon as I noticed incorrect activity and this company is trying to make money off of a victim! I am already dealing with a security breach lawsuit with XXXX XXXX, I do not want to deal with this fraud profile, but I will. Remove this from my credit report NOW!
Company Response:
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A