Date Received: 2019-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX reported a debt /Default Judgement owed to a CACH LLC on my credit report to my bank, resulting in my being denied a loan. I filed a dispute with XXXX XXXX explaining that the debt was not mine. Consumer # XXXX Case # XXXX I explained that : 1 ) That I am a man the suit was against a " XXXX XXXX XXXX '' 2 ) My Name is " XXXX XXXX '' not " XXXX XXXX XXXX '' as was on the judgement 3 ) I did not do business with this company and the debt was not mine. 4 ) This judgement appears to be a default ( no show ) judgement I asked that XXXX XXXX verify the Social Security Number and Date of Birth with CACH LLC to provide that its not mine. I also explained that CACH LLC had tried in past to collect a large {$30000.00} debt against me and eventually dropped the case when they realized that they had the wrong person They eventually realized that the social security number and/Or DOB did not match mine. I never heard back from XXXX XXXX on the disputed, so after waiting well over 30 days I reached out to them. They acknowledged that I did not receive a response within the required 30 days. Mentioned that it was an issue on their end. They only explained that they verified that a judgement/lein exists. They didn't verify that it matched my Legal name, soc sec # or DOB Link to court case : https : XXXX? XXXX
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2019 - XXXX XXXX XXXX ( XXXX NY ) / LVNV Funding LLC issued a debt collection notice for {$180.00} related to an original creditor of XXXX XXXX XXXX LVNC purchased the so called debt from XXXX XXXX . On XX/XX/2019, I notified XXXX/LVNV that this debt was NOT mine. In fact, the debt collection agency does not even have the correct spelling of my name on their records. XX/XX/2019 - XXXX XXXX XXXX evidently ignored my first communication that the receivable they purchased was NOT associated with me and that I have no obligations or liabilities regarding XXXX XXXX XXXX inasmuch as I have not transacted any business with XXXX XXXX. My second notification letter was delivered via Certified Mail with return receipt. XX/XX/2019 - Received another collection notice on the same issue from Resurgent Capital Services ( XXXX MI and XXXX SC ) for the same amount. I sent another notification letter via Certified Mail with return receipt affirming that the person they were seeking was NOT me. They continue to have an incorrect spelling for my name which likely indicates someone has 'high jacked ' my name and spelled it incorrectly in the process. XX/XX/2019 - Resurgent Capital Services responded with a letter stating that the information supplied was " insufficient '' regarding " identity theft '' as the basis for disavowing that claim. The included an '' Identity Theft Affidavit '' questionnaire for my completion that asked for ALL of my personal information such as DOB, SocSec #, Drivers License #, address, telephone # s. I am uncomfortable providing this sensitive deal information to any one, especially a rouge debt collection agency. XX/XX/2019 - Resurgent Capital Services issued another letter suggesting that they have received " duplicate correspondence '' on this dispute. The letter also said " we will not continue to respond to duplicative requests without additional information. ''
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV Funding, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX LVNV Funding LLC is reporting two accounts they can not validate I owe them money. They have failed to provide name and address of the alleged creditor, alleged debtor, alleged account number, address on file for the alleged debtor, the alleged debt amount, date alleged debt became payable, date of original charge off or delinquency. They have not advised if the debt was assigned to the LVNV Funding, LLC, or purchased. They have not provided the amount of debt was purchased. They are reporting to the three reporting agencies the accounts as recently opened when they have reported the two accounts for years.
Company Response:
State: AR
Zip: 72223
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: and requested original documentation showing I owe this debt for them to show my signature on a contract that I agree to pay the debt that is on my credit report lvnv funding LLC is in direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681
Company Response:
State: FL
Zip: 33486
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT XXXX they are really giving me a hard time about removing these items off my report Company-XXXX XXXX XXXX XXXX LVNV funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to XXXX
Company Response:
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have two collection accounts with Resurgent Capital Services under LVNV Funding both for a XXXX XXXX credit card ... ..Re : XXXX for {$1500.00} and the second one acct number XXXX. The first debt collector for both accounts was XXXX XXXX XXXX in which I will be sending in. In both debt validation letters sent to both debt collectors I requested the following not only according to FDCPA regulations but as well under the Texas FDCPA as well as the Texas Finance Code. 1. Agreement with the original creditor that authorizes you to collect this alleged debt ( FDCPA Sec. 1692f ( 1 ) as well as under the Texas Fair Debt Collections Act. 2. An agreement bearing my signature stating that I have agree to pay them for this charged off debt. 3. A payment history from the beginning of the debt showing the original debt amount as well as how the debt was incurred. New standards that were put in place by the XXXX XXXX in 2014 after entering a decision in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 4. I also requested the documents they must file with the Texas Secretary of State making it legal to collect in our state. I sent this request to them more than once as you can see from the letters I will be sending and their response to me was that they reviewed the file and found the debt was valid but did not provide me the information as per the FDCPA, TFDCPA as well as their legal authority to collect in my state under the Texas Finance Code. I recently learned they reported both of these accounts to the credit bureas in which I am in the process of disputing. I am sending you all the information pertaining to both accounts as well as the requirements under Texas and Federal Law.. I want the CPFB to review the federal violations they have committed and that this file be removed from the credit bureaus.
Company Response:
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I could not view the attachment that LVNV Attached. Please reattach it so I can see if this was handled correctly.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never received a call or letter from this company and was COMPLETELY unaware of this debt until I went to purchase a car and they pulled my credit report and told me my score. I need this collection solved as I do not know anything about this debt and my credit is VERY important to me because I want to be able to purchase a house soon for my family. I am willing to do a pay for delete even tho this is not my debt. I just do not want it on my credit report anymore since it is severely impacting my credit and life. I am a single mother with XXXX kids and my credit is very important to me. Please respond so I can get this resolved.
Company Response:
State: OH
Zip: 45245
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 1 ] XXXX {$940.00} 2 ] XXXX XXXX {$1000.00}
Company Response:
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A