Date Received: 2022-05-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: LVNV Funding was notified by there collection agency XXXX XXXX XXXX XXXX of a debt that was sent to them that it was exempt from debt collection yet LVNV sends another debt to collector knowing that it would be exempt from collection like the first one they seen to like to try and collect on exempt funds what they don't have a list they look at first to see if what they brought that this person is exempt before going after the debt.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent LVNV Funding a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 LVNV Funding is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). LVNV is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and XXXX is allowing this to stay on here. I am submitting this complaint as a record to show that LVNV Funding and XXXX are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when XXXX and LVNV receives this complaint. It has been over 30days since LVNV Funding have received my letter. Also XXXX has added the Fraud alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Paid and resolved in XXXX XXXX ( from XX/XX/XXXX - bad debt/did n't belong to me to start with - Per attached court documents. Should not show as I made a payment. Should be removed as XXXX/remove as agreed, why is XXXX XXXX XXXX/LVNV not being held accountable for this? My credit is yet being damaged again. This is be XXXX and removed. Please help. I paid an Attorney to fix this from being sued in court over a balance I do not owe to start with. Please help. Showing the $ XXXX payment is actually worse on my credit- than they way it was XXXX XXXX in as bad collections. Please help. Thank you.
Company Response:
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company claims that I owe them, I have not received any communication from the company, but they keep reporting to the credit reporting agencies as I am in collection. In XXXX, I disputed this and asked for verification. I did not receive any communication, the credit agencies adjusted the date to a debt that is 6 years old/same time as my bankruptcy. These companies keep hurting my credit even though this debt is nearly 7 years old, the credit agency says that the debt will fall off in 6 months. But I do not want that on my records for another 6 months.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act. XXXX XXXX act # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX I do not owe any debt or am I a resident in the state of SOUTH CAROLINA There are 4 violations circled on the attached correspondence from the mentioned company. 15 usc 1692 C 15 usc 1692 D ( 2 ) 15 usc 1692 B ( 2 ) 15 usc 1692 G ( A )
Company Response:
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: CFPB THIS IS NOT A DUPLICATE COMPLAINT. Dated on XX/XX/2022 CFPB Complaint ID : XXXX XXXX stated We take our customer service and consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. I, XXXX XXXX, a federally protected consumer, am filing this with the Federal Agency Consumer Financial Protection Bureau against the company Resurgent Receivables LLC. I am aware Resurgent Receivables LLC is attempting to collect an alleged debt from I, XXXX XXXX, and I refuse to pay the alleged debt. I am aware Resurgent Receivables LLC is in noncompliance with the law 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I am also aware that Resurgent Receivables LLC has my private and personal information in their possession which is my name, date of birth, social security number federally known as Credit Card ( Pursuant to 15 U.SXXXX Code 1602 ( l ) ) without my consent and furnishing it to the public ( Credit Reporting Agencies ). Resurgent Receivables LLC stated With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus. if eligible. Currentlv. this Account is being reported to the credit bureaus on behalf of the Current Owner. I did not give any written instructions or permission to Resurgent Receivables LLC to purchase any account which helps me understand Resurgent Receivables LLC is in violation of The GrammLeachBliley Act. Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. I have demanded Resurgent Receivables LLC to delete the account from all credit reporting agencies and cease all communications, resurgent continues to be in noncompliance. I do not want these company furnishing my private information. I have a right to privacy as a consumer and Resurgent Receivables LLC is in violation and must be held liable for all unlawful actions. I am demanding payment of all the violations mentioned above.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i keep receiving letters from RESURGENT CAPITAL SERVICES about a debt that was paid off in XXXX from XXXX of which i paid off this has been paid off because I made a settlement with the first collection agency in XXXX I sent RESURGENT documents to prove this and each time I call them they would say the documents are insufficient and don't prove that it was paid off it keeps saying it is owed by LVNV FUNDING LLC. i sent all the paid off letters and when the payments where coming out of my checking account .also the persons who took payments out, I even sent them conversations we had concerning this matter this account needs to be fixed, this goes back to XXXX
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed many times with LVNV funding that I have no legal binding contract with them. This corporation keeps acting in fraud and damaging my credit report for a debt which is not owed nor that I have a legal binding contract with them. Where is my signature showing I have any agreement with LVNV funding? This is fraud and it must be removed from the report promptly. LVNV Funding can't show mrea legal binding contract with my signature showing I am responsible to pay them a debt.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. Company : LVNV FUNDING LLC Account # : XXXX
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A