Date Received: 2021-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: {$870.00} amount has been posted by XXXXXXXX XXXX XXXX Visa Card since XXXX as a debt owed to Company. Twice I have responded to the company and all three Credit Bureaus and was resolved due to identity theft on my report. It was deleted from my report in XXXX after filling a complaint. I have also spoke with the collection agency on several occasions about this continued problem which seems to never go away. This Company continue to use a different agency from XXXX XXXX on many occasions to update balance by reporting it as a current active account which I have never sent any payment or acknowledge any debt by me. I am constantly appalled by their different tactics used to sabotage my credit report even after declining the existence of any relationships with the company. Their blatant and irresponsible behavior continued to affect my score and rating anytime this reporting occurred or when I am trying to obtain a loan or services for my family that this account showed up on my credit reporting as current debt. As of XX/XX/XXXX, it was reported or posted again as a delinquent account until XXXX, XXXX. What else do I need to do with this company for them to continue to harass me and my family. Never conducted business with this company and do not know or have any legal or binding contract with them, neither did I signed any financial document nor agreed to do business with them in XXXX. This is not funny anymore!! I like this removed from my credit report permanently and not when it is convenient for this company.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX deleted lvnv funding and they two weeks later added back to the credit file, this a clear violation of the FRCA and FDCPA!
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: lost my job due to iilness was not able to keep up with payments
Company Response:
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : LVNV FUNDING XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: XXXX at XXXX I received a phone call from them. He stated his name was XXXX and he was trying to collect a debt, I told him I am a XXXX XXXX XXXX and I don't have any money coming in, and he told me he can give me a 55 % discount if I pay it now. I again repeated to him I don't have a job I am a XXXX XXXX XXXX and I asked if this was his best call back number because my intent was to pay for it within the next few months, ( i'm cleaning up my credit ). He then tried to tell me he can spread the payments out to {$20.00} a week. I again repeated to him, I do not have a job I am a full time college student, I don't want to make a promise to pay for it right now and it makes my credit worse. He then continued, to tell me that I was being irresponsible for not paying my debt, I then proceeded to advise him again I am a XXXX XXXX XXXX I don't have any income so I can not pay for it, he then told me I haven't been a student for 5 years when this account opened. and its NONE of their business but I was in a CAR ACCIDENT shortly after this account was opened, After telling him that and telling him that I've been a student for 3.5 years he then told me that I will not be getting anymore student loans if I do not pay off this debt. He also asked me " so since your a XXXX XXXX XXXX are you in school for 12 hours a day '' I responded no I take 4 or more classes every semester, he then told me that his daughter is a XXXX XXXX XXXX and has a job and is responsible enough to pay for her debt ...? I don't understand, he doesn't know my situation like I explained earlier when I told him I got into a car accident but again its none of his business. I could be dealing with a family deaths, COVID, I could be homeless, I could have XXXX, YOUR COMPANY DOESN'T KNOW, SO THIS HARASSMENT WAS COMPLETELY UNPROFESSIONAL. The call continued where he was just spewing all these different things to try to get me to pay for the debt, it got to the point where I asked him if he was hired to harass me because that what this call turned into. I hung up 7 minutes into the call because my husband was getting frustrated that there was a MAN harassing me on the line trying to degrade me in order to pay a debt.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This complaint covers TWO civil suits that the company has in my district court. Both were discharged in bankruptcy court. The two cases remain in the court docket in XXXX XXXX Kentucky. The first case XXXX was addressed by the company in CFPB COMPLAINT XXXX. The company stated in reply on a letter dated XX/XX/XXXX : Our records indicate that a lawsuit, Case No. XXXX, was filed on or about XX/XX/XXXX in XXXX XXXX XXXX in XXXX XXXX, Kentucky. A dismissal of the lawsuit was filed in XX/XX/XXXX, but upon review, the dismissal did not show to be recorded. The dismissal was refiled with the court on XX/XX/XXXX by Resurgents third-party servicer, XXXX XXXX XXXX, and they are awaiting the entry. Please see the attached docket for review They then attached an UNOFFICIAL COURT CASE summary. It appears again for the second time nothing was recorded. THE COMPANY HAS TO SUBMIT A MOTION TO THE COURT TO DISMISS THE SUIT. IT MUST DO THE SAME FOR THE SECOND CASE THEY FILED : XXXX XXXX KY XXXX XXXX CASE NR : XXXX. If the companys attorney XXXX XXXX XXXX in Michigan is unfamiliar with Kentucky Civil procedures, I suggest they contact the court for proper procedures to dismiss BOTH cases. Bankruptcy was discharged in XXXX, YET BOTH CASES REMAIN ON THE COURT DOCKET IN XXXX. ENOUGH!!!
Company Response:
State: KY
Zip: 427XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I, consumer and natural person, received a bill demanding final notice to pay. I have never went into a consumer transaction with RESURGENT CAPITAL SERVICES. 15 USC 1692 refers to individual privacy. My contract grants an " ORIGINAL CREDITOR '' permission to have my information, it does not give a third-party debt collector permission to contact me. No one is allowed to have or purchase my information without my consent. This is an infringement upon my consumer 's right to privacy.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Identity theft after Resurgence XXXX XXXX ( representing CACH , LLC ) sued my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with CACH , LLC and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. I have tried to dispute this ID Theft issue with Resurgence XXXX XXXX and CACH LLC, hoping to remove this case. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner
Company Response:
State: CA
Zip: 95122
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. This company has failed to investigate & obtain, as mandated by law, proof of such debts. They have had more than 90 days, which I have given more than enough time and more than 3 dispute letters were sent to resolve this. Now it is time to DELETE the accounts per the FCRA
Company Response:
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A