Date Received: 2021-07-08
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I contacted and sent over correspondence to Lvnv funding stated my account with the previous creditor was included and discharged in my bankruptcy. They are still trying to collect on this account despite having court documents.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I already disputed this item with your firm. The company sent me an answer and you then closed the investigation. However, the legal and credit reporting issues were not resolved! LVNV/Resurgent claims they were in accordance with FDCPA section 809 ( 15 USC 1692g ) and applicable state laws when they sent me information that in this day and age can be magically and professionally printed on any lazer printer! This information was simply " an account summary, terms and conditions, and bill statements 'on file ' "! This does not legally verify this debt as mine! Where is the documents THAT VERIFY MY IDENTITY in relation to this account? Where is the signed contract? Where is the valid ID or driver 's license? Where is the social security card? These documents are needed to LEGALLY verify any clients/customers identity as stated in the PATRIOT ACT! And since your firm, The Consumer Financial Protection Bureau HAS NOT forced them to comply and then closed the previous case I will sue you as well as Resurgent in court if this is not resolved!
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On I discovered ( RESURGENT CAPITAL SERVICES L.P ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've recently got a copy of my consumer credit report and noticed an account i did not recognize nor have i entered a consumer credit transaction with this company. My privacy has been violated and my rights as a consumer have been violated under the FDCPA AND FCRA. I have been harassed by text messaging acquiring about an alleged debt
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A