Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. LVNV FUNDING LLC has violated my rights. 15 USC 1681 Section 602 : states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency CAN NOT furnish an account without my written instructions. 15 USC 1666B : a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late and for purpose. To whom and all this may concern :
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XXXX XXXX I became aware that XXXX/RESURGENT RECEIVABLES violated Regulation F subpart B 1006.6 communications in connection with debt collection. XXXX/RESURGENT RECEIVABLES did not receive consent to access my consumer report nor had express permission of the court. XXXX/RESURGENT RECEIVABLES communicated with me thru my credit report and it unusual and inconvenient. I later received some correspondence with a statement and coupon from another company. XXXX/RESURGENT RECEIVABLES has violated my privacy and I fear that my private information has been sold or told to parties I have never agreed to contract with. The original creditor is not listed, and I have no knowledge of this account. I REFUSE TO PAY THE ALLEGED DEBT & I DEMAND THAT ITS DELETED AND REMOVED FROM MY CREDIT FILE. XXXX/RESURGENT RECEIVABLES is to cease and desist any collection activity on this account. WHERE IS THE CONTRACT BETWEEN ME AND XXXX/RESURGENT RECEIVABLES? HOW MUCH WAS THE DEBT AQUIRED FOR? WHO BOUGHT THE DEBT? Where did you receive permissible purpose to report anything or access my file? XXXX/RESURGENT RECEIVABLES violated 15USC 1681b2 at least 3x by reporting this disputed debt without my express written permission to XXXX XXXX AND XXXX. XXXX/RESURGENT RECEIVABLES has violated 15USC 1692 and will be held liable under 15USC 1692k and 15USC1681Nb.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: LVNV Funding purchased an elevated charged off debt from my a credit card company that I acquired while living in Maryland in XXXX. I closed the account due to losing my job and sent the minimum payments. The original creditor sent a charge off and closed notice in XXXX for {$450.00} which was interest and principal of {$120.00}. In XXXX, LVNV funding has constantly harassed me by hunting me down in my new residence state of Virginia. The company filed a court case in the county of XXXX, VA attempting to obtain a judgement against me while constantly blemishing my credit files. The judge in that court case did not grant the company a judgement and he honored my dispute since I referred to the Fair Debt Collections Practices Acts 609, 611 and 613. The judge in the case advised LVNV Funding that according to the rules of the FDCPA that I, the consumer, has the right to dispute and contest. The judge advised LVNV Funding to adhere to the rules of the FDCPA and proceed accordingly. To date the company has not complied. My credit is receiving constant credit score impacts preventing me from moving forward in my career and my personal life. I am requesting LVNV FUNDING to be removed from all major and minor credit reporting agencies due to illegal practices of collecting bad/unverified debts.
Company Response:
State: VA
Zip: 22032
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2022 received a threatening letter of damaging my credit and selling of unknown account.
Company Response:
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX and XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I submitted evidence showing that they are not reporting my account 100 % accurately. After that they updated my account with more inaccuracies. U.S.C 1681 section 602A states I have the right to privacy. U.S.C 1681 604A states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING and RESURGENT CAPITAL SERVICES third party debt collectors attempting to collect a debt on the basis of fraud. This notice is to inform you that you unlawfully reported fraudulent account that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. COMMUNICATION WITH THE CONSUMER GENERALLY- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. Harassment or abuse. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S. Code 1692 c. Title 8 USC 809. Validation of debts [ 15 USC 1692g ]. Reference ID : XXXX, account # XXXX and account # XXXX fraudulently opened in my name. I am a victim of identity theft and did not open this account with LVNV FUNDING and RESURGENT CAPITAL SERVICES. I have sent LVNV FUNDING, RESURGENT CAPITAL SERVICES " DEMAND TO CEASE AND DESIST '' As this request has not been honoured and they are in VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud and Intentional act of fraud. SEEKING RELIEF AND MONETARY DAMAGES UNDER 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Intentional act of fraud. Fraud, deliberate concealment of material information. 15 U.S C 1692K Civil liability. I have file a lawsuit against both LVNV FUNDING and RESURGENT CAPITAL SERVICES. See you in court!
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/XXXX, XXXX LVNV Funding LLC collection accounts was deleted on my credit consumer report from XXXX and XXXX per my dispute request. XXXX refuses to remove these negative XXXX accounts to present. After multiple certified mail attempts XXXX and LVNV Funding LLC will not verify or validate these collection accounts. XX/XX/XXXX debt validation and debt verification letters were sent certified to both companies and again could not provide any information to prove this debt. Today is XX/XX/XXXX, my rights have continously been violated. I have all documents saved for legal purposes if necessary. Attached are pictures of the deleted accounts. As stated, I have all records for legal purposes if necessary.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There was no permissible use of any of these accounts. I have made multiple attempts, to resolve this issue. I filed incident reports with XXXX XXXX, and XXXX stating the accounts were fraud. I have issued supporting documents and attached my police report in all claims, and still with no resolution. Below you will find information on those accounts dates and amounts. Please let me know if theres anything else I need to add. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( XXXX ) XXXX Amount : {$400.00} Date Open : XX/XX/2017 XXXX. LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX Amount : {$490.00} Date Open : XXXX XXXX
Company Response:
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The collection agency 's name is : LVNV FUNDING LLC XXXX XXXXXXXX XXXX I reached out to the the collection agency twice to ask for a validation letter to be mailed to me. Once on XX/XX/2022 and second, on XX/XX/2022. This debt was found on my all 3 of my credit reports. I do not acknowledge that this is a debt of my own. I have a credit card with this same credit card company in good standing! I have disputed it with all 3 credit burros and it always comes back without verification.
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Due to the laws of my state of New York, as of XX/XX/XXXX, the updated The Consumer Credit Fairness Act of XXXX, the debt with account number XXXX that your company is claiming to be owed to your collections company is 7 months past the 3 year statute of limitations, this account is listed with XX/XX/XXXX date. As per the law pertaining to my state, all collections activity for this debt must stop which includes, mail, credit reporting, phone calls etc. If your company continues any form of debt collection including but not limited to credit reporting this case will be brought to the attention of NY state attorney general and also your company 's home state 's attorney general. The CFPB is a third party witness as a communication channel to this debt collections company.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A