Date Received: 2020-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company insists on constantly reporting false and fraudulent debts on my credit report and is in violation of the FCRA. I have repeatedly requested through the credit bureaus to provide the contract bearing my signature engaging in a contract with the REPORTING company in order to validate any debt having that being the ONLY LEGAL VALIDATION of a debt per FCRA reporting. The LAWS are constantly being violated and this is now harassment and invasion of every privacy law in existence in California and Federally. I DO NOT OWE ANY MONEY TO this company and they are now falsely reporting this information violating the Fair Credit Reporting Act.A PROVIDE A DOCUMENT WITH MY " SIGNATURE '' let me repeat that ... MY " SIGNATURE '' ENGAGED IN A CONTRACT with said company for these fraudulent debts being reported or REMOVE from my credit file ASAP! ITS THE LAW! FOLLOW IT or be sued for damages! Third time this company is committing fraud on my credit file in past 3 years. They REMOVE the fraudulent reports and then fraudulently report new the fraudulent debts a year later.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: debt is not mine ive already disputed the debt and the company refuses to respond to my disputes
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have received 3 letters from Resurgent Capital Services alleging I owe {$530.00}. the last letter sent to me came with a a billing statement dated XX/XX/2013 in the amount of {$120.00} ... I sent 3 letters to Resurgent stating, I dispute owing any debt to their company and asking for valid proof of debt. All letter were sent Certified Return Mail. The letters being sent are harassment as I have to answer each letter and pay to show the letters were received the company and on what date. i want the letters of harassment to stop. please help.
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital recently responded to a complaint that I initiated refusing to delete the accounts that I disputed on my credit reports. However, LVNV/Resurgent is violating the FCRA by listing themselves as a " Factoring Company '' for these accounts. Factoring companies collect account receivables that are not in default at time of purchase, not alleged charged off accounts, as it is prohibited by law for them to do so. LVNV/Resurgent clearly stated in their response letter that was sent to me that they purchased the debts after they were charged off, making them a junk debt buyer, not a factoring company. Due to this fact, LVNV/Resurgent is in violation of the following : 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the accounts as " factoring company '' account. 15 USC 1692e ( 2 ) ( A ) as falsely reporting the legal stat us of the accounts as not in default. 15 USC 1692e by communicating credit information which is known or which should be known as false, by reporting the accounts as factoring company accounts. 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the accounts as " factoring company '' accounts. 15 USC 1692e ( 12 ) by alleging that the accounts were " factoring company '' accounts resulting in the false representation or implication that the accounts have been turned over to innocent purchasers for value. 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debts by reporting the accounts as " factor company '' accounts to deceive current and potential creditors and to negatively impact my credit score. If LVNV/Resurgent wishes to resolve this matter without court action, they will delete these accounts from my credit reports within 7 days. If not, I will initiate a law suit.
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Getting the loan
Subissue:
Consumer Complaint: LVNV funding LLC I believe this is an installment loan that my brother in law or someone fraudulently opened in believe its fraudulent I have never ever gotten an installment loan or a loan with such high interest my identity has been stolen over 5+ accounts have been fraudulent made what makes me think this is my brother in law is because this company is in South Carolina where he is from and lives and he has had access to my info and the time period just makes sense that it was him
Company Response:
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am always getting confused with my father who lives with me. He is XXXX XXXX My bother is Jr. and I am the middle son. This is not my debt and I do not know what it is! I continue to dispute the debt with the credit bureaus but they have not helped me and I need help! and to make matters worse this collection company keeps updating this account monthly to refresh it to make it look like it is a new account!
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To Whom It May Concern LVNVFUNDG XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed the alleged debt with this collection agency on multiple occasions and even submitted an affidavit per their request. Unfortunately, this collection account is adversely impacting my credit files.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I HAVE SENT THEM NUMEROUS CERTIFIED LETTERS REQUESTING VALIDITY OF THE DEBT THAT IS STATED I OWE ON MY CREDIT REPORT FOR THE AMOUNT OF {$2400.00}. I'VE SENT THEM LETTERS IN XXXX, XXXX, XXXX, AND XXXX. THEY WERE REPORTING TO ALL THREE CREDIT BUREAUS INITIALLY, BUT IN XXXX THEY ONLY REPORT TO XXXX. I HAVE TRIED NUMEROUS TIMES TO SPEAK WITH THEM AND THEY HAVE FAILED TO RESPOND TO MY ANY MORE OF MY LETTERS.
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX I opened a XXXX XXXX account and noticed I had a few delinquencies. In which 3 out 4 are not mine. I was able to successfully dispute 2 due to identity theft. In XXXX I had a significant other who I believe got a hold of my information and started opening accounts under my name. As I started tracing these accounts I found a lot discrepancies. Wrong name spell, unknown incorrect address. I have been trying to dispute with LVNV funding for the amount of {$3600.00}. I've sent several letters of dispute, obtained a police incident report, asked for more information. They've only sent me a billing statement in which none of the information was correct ( unknown incorrect address ) all charges tallying to the amount owed was done in month. I have looked over the statement and none of the charges are familiar.
Company Response:
State: CA
Zip: 92377
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A