Date Received: 2019-06-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This consumer filed complaints with the CFPB against XXXX XXXX XXXX and Cach llc. XXXX XXXX XXXX answered first and in their response indicated that Cach llc declared chapter XXXX bankrupty and subsequently their entire portfolio was sold to Resurgent Capital Services. The response that this consumer received in regards to it's complaint against Cach llc was from resurgent capital services and no where in their response did they indicate there had been a bankrupty and that this consumers judgement debt had been sold. Cach llc/resurgent capital services and their attorneys knew or should know that when a debt is sold the rights to enforce it must be assigned and resurgent capitals response to this consumer is misleading as they have omitted any reference to the bankruptcy which ended cach lls ownership of the debt. Subsequently XXXX XXXX XXXX on behalf of cach llc filed a writ of garnishment against this consumer in the XXXX district court of XXXX XXXX mi. This consumer objected in part due to the lack of an assignment. A hearing on the objection was held on XX/XX/2019. the court adjourned for 30 days to give cach llc time to get the assignment as required by the statute of frauds in michigan. At a hearing held on XX/XX/2019 an individual who did not clearly state his name and did not state his P number on the record appeared on behalf of cach llc still without an assignment and indicating that XXXX XXXX XXXX bought the debt to which he and Judge XXXX XXXX agreed to. Judge XXXX XXXX changed his opinion on the plaintiff needing an assignment to the defendant needing to prove that cach llc and its portfolio was sold to resurgent capital services in a chapter XXXX bankruptcy which the defendant has procured from the public record.
Company Response:
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: True Accord that goes by the name of LVNV Funding sent me an email trying to collect XXXX for XXXX XXXX XXXX. XXXX XXXX XXXX me a statement for XXXX asking for XXXX which I paid them by. XXXX XXXX XXXX sent me another statement for XXXX asking for XXXX I asked who owns this account. IF True accord owns this account I was not giving credit for the XXXX and XXXX XXXX has nor rights to the account. If XXXX XXXX owns this account than I do not want to be delinquent to them If both people are trying to collect this than that is conspiracy to defraud me
Company Response:
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2019-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2018 I contacted LVNV Funding, LLC by certified mail in regard to info that they had sent to me in response to my request for validation for the XXXX account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last month I reached out to the bank they say is the original debtor and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus as I have been doing for years but they said that its already been disputed and they will not look at it again. Then a few weeks ago I received a letter from a company called XXXX XXXX XXXX XXXX, XXXX indicating that their client LVNV Funding LLC authorized them to offer me a settlement on a debt that LVNV has not been able to validate nor have they provided any of the information that is necessary by law that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to correctly and legally validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase a home and be given other credit opportunities.
Company Response:
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The origanal Creditor was XXXX XXXX XXXX in the amount of XXXX dollars who sold the account to LVNV Funding On XX/XX/XXXX I got a letter from LVNV that they placed the account with RESURGENT I paid the collection agency Resurgent {$490.00} dollars as a settlement offer ( meaning paid with no further obligation. I paid this company because on XX/XX/2019 I got a letter stating that LVNV Funding Had placed the account with RESurgent Capital Service. After I had fulfilled my credit Obligation and took the settlement offer and paid them LVNV Funding has place a collection account on my credit for {$220.00} dollars. This account was never mind i just agreed to settle on this account so that it would not affect my credit. I am requesting validation .competent evidence bearing my signature a contractual obligation to this company LVNV Funding or that this unfair account that was placed unfairly on my report be removed immediately.
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
Company Response:
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/2017 This Is listed under collections, I called the company obtained an agreement from company to pay the debt with the understanding that it wouldbe removed. I paid the agreed amount, they took my money and it remains reported to the three credit bureaus as a collection.
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Summary Description of my claim with CFPB with respect to improper behavior by CACH LLC and its assignees. CACH LLC XXXX XXXX XXXX XXXX SC XXXX Despite a dispute being filed with XXXX and XXXX nearly 13 months ago ( XX/XX/XXXX ) due to the appearance of a record with an account number, amount and date that do not match any records that I have, this party ( CACH LLC ) continues to refresh this entry on my report and pursue collection activities ( letters through XX/XX/XXXX ) without acknowledging my dispute, providing any of the documentation required to validate their claim, or their right to pursue it as prescribed in previous rulings and consent orders handed down by CFPB to CACH LLC and affiliates for similar behavior. For more than 12 months since the dispute was documented with the credit reporting agencies, CACH LLC and its assignees continue to assert their claim in communications to me while neither acknowledging my dispute nor making any attempt to prove the validity and accuracy of this claim and their right to pursue it. This is a clear disregard of their obligations as defined in FDCPA and FCRA. 1 ) Section 807 ( 2 ) ( A ) of the FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ) specifically prohibits the false representations of the character, amount, or legal status of any debt. 2 ) Section 807 ( 8 ) of the FDCPA, 15 U.S.C. 1692e ( 8 ) specifically prohibits the false, deceptive, or misleading representation of information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed CACH LLC and their representatives blatantly ignore these guidelines, as they have done so many times before, in order to blindly pursue payment on a claim I do not recognize and that they refuse to properly document for origin, amount, validity or even dispute status. Yet, they keep contacting me and updating this undefined negative collection item on my credit reports, presumably to force a nuisance pay-off, or me to deal with them. Which I am doing now through this complaint.
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2019-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company sent a letter claiming that they verified a debt, they are claiming I owe. They failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. ( see attached copies of what they sent ). The entry of this debt they claim I owe on my credit report is very confusing, Account type shows Unknown - credit extension, review, or collection along with payment status, XXXX showing a collection/chargeoff and XXXX showing late 120 days? And the last reported dates? Nothing makes sense of this entry. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. I have attached both what they sent to me and the entry of this on my credit report.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2019-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The CFPB investigated my complaint against LVNV Funding, LLC. LVNV Funding submitted a letter to me through CFPB stating they were to remove their entry off all my credit reports. I submitted the signed letter from LVNV Funding , LLC to XXXX Credit Reporting Agency to ensure removal of this entry as proof. On XX/XX/2019, I received my dispute results from XXXX and the status remains unchanged. According to the XXXX results, LVNV Funding, LLC sold this debt to another company. They DID NOT remove the entry from my credit report.
Company Response:
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2019-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company XXXX XXXX XXXX is trying to charge me XXXX for a debt, I don't know anything about and has it on my credit report and now has turned it over for collections to a new company LVNC funding out of Sc, listed under collections on my report. This unfair for them to try to make me pay for something that is not mine.
Company Response:
State: AL
Zip: 35007
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A