Date Received: 2021-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I looked on my credit report and noticed that there are two alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted XXXX XXXX XXXX multiple times in XXXX and XX/XX/2021 to attempt to settle the outstanding balance with XXXX XXXX credit card. However, XXXX XXXX claims they do not own the account because it hasn't been transferred to their agency from XXXX XXXX XXXX another debt collection agency ). However, when I call XXXX XXXX they say they've transferred the account to XXXX XXXX. I've been informed multiple times by XXXX XXXX customer service reps that a service request has been placed with XXXX XXXX to have the account transferred and this process would take 5-10 business days. However, over 45 days have past and there has been no progress. The account details on the website of XXXX XXXX show the account is owned by them but not available for payment. My XXXX credit report also shows the account in care of XXXX XXXX through XXXX XXXX. When I contacted XXXX XXXX they claim the account has been transferred to XXXX XXXX. I would like to either reach a settlement or pay the outstanding balance on the account.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am continuing my complaint with resurgent as they are relentless. After harassing myself, mother, brother, and grandmother in law over a debt I'd set up a payment contract with the originally creditor who cancelled it upon the 1st payment. They repeatedly ignored cease and desist notices calling to the point we changed numbers threatening legal action ... .even sending someone to my former residence and bypassing no trespassing signs. The lawsuit they continued sending all info the the wrong address. They failed to represent themselves and the case was denied. They continued sending collection notices to my current address but then refiled for the lawsuit sending the information to the wrong address which failed to notify me in time to receive proper representation. upon that the judge sided with them based on a sea of lies. He stated he'd stop them from contacting me. But the fact remains I do not owe this debt to them. The contract was cancelled by the original creditor. They have since then bombarded me with collection notices going back nearly 15 years. They keep coming despite repeated cease and desist notifications. They will not stop and I am in the processing of obtaining legal counsel to see what my legal recourse for this company is. Note the above fore mentioned debt has been removed from my credit report and the agencies sided with me that it was a cancelled contract,
Company Response:
State: SC
Zip: 29926
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have reached out to the company to try and get them to delete said debts off of my credit report as they were not authorized to report anything to my credit report by me. I did not sign any contracts with this company nor do I owe any debts. LVNV Funding LLC- {$620.00}
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid XXXX XXXX XXXX in full and closed my credit card account. XXXX XXXX XXXX then sold the paid account to Resurgent capital services. XXXX XXXX XXXX reported to my credit report, I disputed the matter and proved the payments were made and that I closed the account. XXXX XXXX report was found truthful and deleted from credit report. Resurgent capital services has failed to acknowledge the payments made to XXXX XXXX XXXX and has reported the charges to my credit report. I have tried multiple times to prove that the account they are trying to collect on, was in fact a paid and closed account. I have provided evidence of payments & credit report status stating the account was paid and closed.
Company Response:
State: MS
Zip: 39466
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 I, personally, sent a letter to them requesting they verify this debt. I JUST received a letter YESTERDAY (XX/XX/2021) DATED XX/XX/2021 REFUSING to verify my debt with insult and states the following : " We recently received a direct dispute from you regarding certain information in your credit report. After reviewing this dispute, we have reason to believe that it was submitted by, prepared on your behalf by, or submitted on a form supplied to you by a credit repair organization. Therefore, as permitted by XXXX, we have determined your dispute to be frivolous and irrelevant and will not investigate it. '' SERIOUSLY???? Not only did they NOT answer me within the proper timeframe but they REFUSE to validate my debt but yet and still they have the right to leave negative remarks on my credit report???? How can they get away with this??????????
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX Bank online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX bank, and the collection agency they turned me over to XXXX XXXX XXXX XXXX to correct this fraud : requested copies of transactions and signatures, and disputed the reporting to my credit report. XXXX XXXX bank refuses to provide me with receipts of transactions. I spoke with XXXX XXXX a year or so ago and made them aware of the situation. The XXXX XXXX representative admitted the transactions all appeared to occur in another State where a card was sent. They were supposed to send me copies of transactions, but nothing was ever received. Now I am being sued for these charges. The hacking of XXXX XXXX online system has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XX/XX/2021, LVN funding LLC add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication. contract or signature for this accused debt at all A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, LVN funding has Violated my rights as a consumer and i'm requesting legal action to removed this account immediately.
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
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 ( 2 ) 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. RESURGENT RECEIVABLE bal. {$1900.00} 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 CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A