Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021, Resurgent Receivables LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Company Response:
State: FL
Zip: 32726
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV FUNDING is in violation of multiple FEDERAL LAWS under Title 15 of the United States Code, more particularly listed herein below. LVN FUNDING LLC is using false, deceptive and misleading representations, and engaging in false and deceptive trade practices whilst purporting to be the CREDITOR and/or collecting on behalf of the alleged creditor. They have placed a collection on my credit report while violating federal laws, essentially damaging my reputation and causing financial harm.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: RESURGENT/LVNV FUNDING i have settled this accosunt in court for less than full balance but the amount shown on the credit report is inaccurate. Also this account is over 7 years old and needs to be removed. This account needs to reflect the correct status
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I want the CFPB to publish this description on consumerfinance.gov so that
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have recently submitted XXXX certified letters containing police reports, identity theft affidavit, and a signed document from the XXXX XXXX XXXX # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files. They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them. Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts. After I carefully contacted each creditor no credit has accurate information to report anything on my credit files. The names are misspelled, the address are fraud I never resided at any of the addresses on file. All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: So, XXXX XXXX illegally sold my PII and I have reason to believe these accounts were fraudulently opened by someone a in their XXXX operations. I call LVNVs toll free number and am connected to someone in XXXX. Why is my PII in a foreign country without consent or knowledge? Why do you continue to outsource positions that involve PII to oppressed countries where people are begging for opportunities to assume someone's identity and move to this country? XXXX then sold my account to someone named XXXX XXXX and XXXX. Ive NEVER had any business with any of these companies and only learned about it when I was harassed at my personal residence for a month and a half. I do not open my door unless previously announced for safety reasons. Why does my ex husband now have my address since XXXX XXXX sent my PII, unsolicited through unencrypted email. Nobody has provided proof that the letter was even sent. Where's the receipt from USPS mail confirmation receipts? I called every single merchant on the bills and not a single one could provide me any signatures on these accounts. XXXX XXXX has failed to provide me a signature.
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
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: Hello, I have disputed this account several times and have not gotten anywhere. I was under the impression the account still belonged to XXXX but they notified me that you now Resurgent has the account. This is a fraudulent account and I had a total of 2 accounts that were being reported. 1 was deleted due to fraud and 1 wasn't. How did they determine 1 was fraud and 1 wasn't. Doesn't make any sense. I have filed a police report, ftc report. If nothinggets deleted from my credit reports within the next 30 days I will retain a lawyer and sue for not only reporting a fraudulent account but for damages because I've been denied creditdue to this account being reported. Please see the supporting documentation attached. Thank you XXXX XXXX
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
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: I have on many occasions disputed a debt listed in my Credit Reporting file, the debt listed is LVNV and is for a debt they supposedly purchased from a company called XXXX XXXX. In response to each dispute, I have received a message stating the debt is verified as mine. I have not done business with XXXX XXXX and have requested multiple times a document signed by myself be produced for my review reflecting my authorization of the original account being opened, neither XXXX or LVNV have produced a document of any type and I only get a notice that the debt has been verified. I am again disputing this debt as not mine and it still remains listed as a verified debt on my Credit Reporting file. Is it now allowed in the United States in conflict with Federal Law to just pick random people as a business and claim that they owe you money without ever having to produce any form of legal documentation to verify a debt? I have disputed this so many times and I have never had one piece of legal documentation provided to me with my signature, yet I constantly receive notices the debt was verified. I have requested many times a copy of whatever process was used to verify the debt along with any documentation that has been provided by LVNV to XXXX as verification that the debt is mine, XXXX has failed each time to produce any documentation of the verification process they supposedly used to verify the debt. It should be my legal right to request documentation with a signature reflecting my authorization of the original account, as a matter of preventing identity theft. If there is never legal documentation provided as verification, what do we have to prevent identity theft by unknown individuals or false claims of a debt by unscrupulous businesses within the United States. If a business only needs to make the claim that a debt is owed then never has to produce signed documentation to verify the debt was authorized, it opens the door ( all United States Citizens ) to the potential of Identity Theft by unknown individuals or businesses not operating within the guidelines of Federal and State laws to unfair debt collection and Credit Reporting, it will force individuals into paying debts they never owed in order to attempt correcting the issue and getting a valuable credit score back. I am not only filing this complaint with the CFPB, I am also filing a complaint with the Nebraska Attorney General and filing a complaint with the United States Attorney. I am also forwarding all responses from day one involving all complaints files, disputes files, etc. to our Senator and Congressman to bring attention to this matter and possibly start a change in the laws.
Company Response:
State: NE
Zip: 684XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
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 as a consumer. 15 U.S.C 1681 section 602 A. states i have the right to privacy. - XXXX XXXX XXXX has sent physical correspondents regarding an owed debt. 3rd party 's viewed these documents. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: i have told them numerous times to stop calling me but they dont they just call from a different number
Company Response:
State: WY
Zip: 829XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A