Date Received: 2021-10-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: RESURGENT/LVNV FUNDING is adding more to the debt its was XXXX now its XXXX it goes uo every month i havent been contacted by this company at all.. please check the debt amount its outrages
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX sold my financial information to a collection agency named LVNV FUNDING LLC without my consent. This is identity theft. They are a third party debt collector. I do not have contract with them. LVNV FUNDING LLC has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies. Pursuant to 15 U.S. Code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to furnish my reports to any consumer reporting agencies. Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my social security card which is a negotiable instrument. 16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Company Response:
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After reviewing my credit report there were several things incorrect on my report. please have these items removed as soon as possible after careful review. I have reported this to the credit bureau for removal. This is keeping me from obtains housing and a job.
Company Response:
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. CACH LLC/RESURGENT CAPITAL is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. CACH LLC/RESURGENT CAPITAL have used abusive, deceptive, and unfair debt collection practices. CACH LLC/RESURGENT CAPITAL have violated my consumer right to privacy, I NEVER gave them any my information directly and CACH LLC/RESURGENT CAPITAL has committed the crime of IDENTITY THEFT. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the CACH LLC/RESURGENT CAPITAL civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received information from you attempting to collect the above-listed alleged debt. Your Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt or a contract to do business with this company. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Company Response:
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To Whom it may concern l have been disputing this debt numerous times, ( XX/XX/XXXX ) with XXXX, also with the debt collection agency ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to no avail, mail was returned ( see attached ) when l called, l was told numerous times that name on the account and my name does not match, therefore they would not speak to me. ( Whilst still reporting the same account to my credit profile ) This debt collection agency playing tricks and re-ageing account as if l just opened the account ; ( see attached ) it was reported to XXXX in XX/XX/XXXX that l owed {$7700.00}, whereas ( Cach LLC ) would not talk to me about same debt, l try to sue in XXXX XXXX XXXX small claims court l was told, l need to file report with CFPB, then l can sue for misrepresentation and FRAUD. l want ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to seize reporting unconfirmed debt to my credit profile and seize all collections, till they can proves said account belongs to me.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .LVNV FUNDING LLC bal. {$1200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX PULLED MY CREDIT REPORTONXXXX, AFTER CALLING SAYS IT WAS IN REGARDS TO A CLOSED CARD DATEDXXXX, THE INFORMATION WAS GIVEN TO XXXX XXXX XXXX XXXX XXXX XXXX , no phone number was supplied.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Resurgent Capital Services provides me with competent evidence that I have any legal obligation to pay them. I am asking Resurgent Capital Services to please provide the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my WET signature stating that I have agreed to assume the debt. 3. VALID copies of the debt agreement stating the amount of the debt and interest charges. 4. Proof that the Statue of Limitations has not expired. 5. Complete payment history on this count along with an accounting of all additional charges being assessed. 6. Tell me that you are licensed to collect my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Resurgent Capital Services immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX and XXXX ). I also demand that Resurgent Capital Services agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that Resurgent Capital Services agrees to remove my personal information from all accounts in its companies database.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: CACHLLC has reported inaccurate information. This collection agency is reporting that I have recently made payments when I had never made a payment to them because I do not owe them anything. The account states closed.This is fraud and inaccuracy of reporting. It is affecting my credit report negatively and that is why I'm filing this complaint
Company Response:
State: CA
Zip: 95815
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A