Date Received: 2019-06-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have not had a credit card for 20 yrs with XXXX XXXX. The one I had then I filed bankruptcy on because of their collection practices and late fees and over the limit fees. I was granted that in XXXX. They claim I have opened an account on XX/XX/XXXX ( 2 yrs, 4 mos ago ). The balance showing on my credit report is {$390.00}. XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX. Original company XXXX XXXX XXXX XXXX I have called Researgent Capital Seversal times. The last time the women said there were 2 pmts made. She said NO ONE COMMITS FRAUD AND MAKES PAYMENTS. Then she laughed. Today I got a letter in the mail giving me 30 days to dispute this letter. I am getting nowhere.
Company Response:
State: MI
Zip: 49201
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been XXXX for 10 years, which would be 2009. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely
Company Response:
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have a so-called unsatisfied collection account debt with a Co. called LVNV Funding otherwise known as Resurgent Capital LLC. I have had many communications via phone from this Co. but they have NEVER resolved the issue or even sent me any kind of supporting documentation regarding such account. This account is originally dated XX/XX/2017. The original creditor is XXXX XXXX XXXX. The amount in question is for {$660.00} this has never been verified with me nor was a bill ever sent to me. This account incurred fraudulent charges and a fraud report was issued to original creditor.
Company Response:
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2019-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm just trying to get this account validated from LVNV funding, if I owe them that's fine just sent me some validation I've sent a total of 7 letters to both XXXX and LVNV and I have yet to seem to get this account validated. the dates are as follows XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have all of them saved for my records.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have disputed the fraudulent account of {$420.00} with XXXX on XX/XX/2019, XX/XX/2019, XX/XX/2019 and provided the FTC report as well. They have not report the account.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2019-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The following account was removed from my credit report because it was proven to be the result of fraud. Now I am being contacted by the original credit, which I did not authorize to begin with, and a collection agency saying that I owe the debt and that the debt was sold to the collection agency. This is a huge violation. I have attached proof below.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a company named Cach LLC attempting to collect an alleged debt in the amount of {$870.00} for XXXX XXXX XXXX XXXX XXXX. This debt is a result of fraud and I do not owe this debt.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. I contacted the credit bureaus for a more thorough investigation. They removed all the items except for two items reporting on my XXXX credit bureau from a company called LVNV Funding that I am positive are not my accounts.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Ihave3collectionsonmycreditreportfromthesamecompanyLVNVFUNDINGLLC.Iwasnevernotifiedofthesecollectionsandwhendisputetheaccounts,thecompanysendsmealettersayingtheynotifieda3rdpartyconsolidationcompanyandthatcompanynotifiedme.Thisisnottrue,IwasNEVERnotifiedbyanyone.Thecompanyrefusestovalidatethese3accounts.
Company Response:
State: FL
Zip: 34482
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I, as usual, wanted to check my credit score back in XX/XX/2018 and discovered that I had a debt with XXXX XXXX XXXX of {$730.00} and that it was never paid. I never had any accounts or solicited the credit card, so when I called the XXXX XXXX XXXX Customer Service explaining that someone opened the account under my name but with an address from NY and it was a case of identity theft. What they did was give me the address to send all the request docs as proof. 1 week later I sent all the docs via fax and mail. What they did was updating my information and started sending letters asking to collect the debt. I never received a call from their fraud department investigating the fraud. I decided to call them at the end of XX/XX/2018 and they told me that they no longer had access to the debt and that my account had been transferred to a debt collector agency - Resurgent. Resurgent Collection Agency contacted me by XX/XX/XXXX of last year and they were very responsive about getting paid but never with the intention of giving me the necessary information to solve the problem.Two months later, after going thru the process of disputing the debt they came to the conclusion that it was a case of identity theft. They were supposed to foward all the information to XXXX XXXX XXXX. A few days later I receive a letter saying that they couldn't process any of the claim because it was no longer serviced by them and it ws in the process of being transfered. I get back on the phone with XXXX XXXX XXXX and they can't do anything on the account because now it was now XXXX XXXX XXXX who had access to my account. I already sent the documents and they have sent more than 15 letters trying to collect the debt that is not mine.
Company Response:
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A