Date Received: 2019-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i have mailed CACH LLC/Resurgent Capital Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have tried multiple times to talk with these folks to resolve a matter from XXXX that is not mine. They are very rude and unwilling to work with you so at this point I am asking that the debt be removed from credit reports. All 3
Company Response:
State: SC
Zip: 29588
Submitted Via: Web
Date Sent: 2019-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received another letter from Resurgent Capital Services. I have requested the proper documents to show and prove they are an Entity that is able to enforce a claim upon my person. I have asked for standard contract, receipts, bill of sales, these are easy to come by and provide to me. I will make it easy please send me the Date Of Late Activity?? My name is XXXX XXXX XXXX. I am requesting Resurgent Capital Services provided me with said account XXXX Ref # XXXX Can I see a Original date of default and collection activity begin, whether you purchased the debt, and if so, the amount, paid for the debt, the date the debt allegedly accrued interest? I do know the law and I can read both FDCPA and FRCA. I live in the state of OHIO we have a UCC LAW 1319.12 Taking assignment of debts and there are standards that you can look up XXXX IT! Once again I fail to see were Resurgent Capital Services is in compliance with OHIO law which is based on Federal LAW
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern, The reason for my dispute is LVNV FUNDING LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, LVNV FUNDING LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) LVNV FUNDING LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation LVNV FUNDING LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where LVNV FUNDING LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. LVNV FUNDING LLC has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Company Response:
State: OH
Zip: 43085
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I have provided proof previously stating I was exempt from LVNV Funding LLC collection and they ignored my forms and then lied claiming I didn't send them anything. After the fact the sent a summons to an old address of mine and lied stating I was served and simply didn't show. The have illegally collected exempt funds which are received from the government via school and I have proof of that. They have not told the truth in any manner and clearly lied to even garnish my exempt funds.
Company Response:
State: MN
Zip: 55433
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, I have been made aware of a debt that a collections company alleges I owe for an account that I did not authorize. I dispute the validity of this debt and have tried to resolve the issue with the collections company that bought the debt.
Company Response:
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX XXXX XXXX Val {$620.00} LVNV FUNDING - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND TXXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX BANK - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2017 I had sent a letter ( attached ) to XXXX XXXX XXXX ( the original creditor ) to dispute the derogatory statements on my credit report which was hampering my ability to obtain an approval for home loan through XXXX XXXX XXXX XXXX. This action did not result in the desired action from the company. I had then sent a letter to the FTC who then escalated it to the OCC who then had XXXX XXXX XXXX remove the derogatory statements from my credit reports. For reference my original complaint to the cfpb : Complaint Number XXXX ( attached ) was regarding the original creditor who has sold their accounts to LVNV, LLC the current owner c/o Resurgent Capital Services. I have also attached the XXXX XXXX XXXX XXXX sent to me from XXXX XXXX XXXX proving that this account is not mine.
Company Response:
State: FL
Zip: 33870
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: On or about XXXX, CACH LLC by and through their attorneys XXXX XXXX XXXX XXXX XXXX, served or caused to be served on this honorable consumer and his employer a writ of garnishment in connection to a judgment CACH LLC obtained in the XXXX A district court of XXXX on or about XX/XX/2012. CACH LLC was without an assignment of the alleged debt in the trial court action. That deficiency was overlooked by the trial court judge. CACH LLC is not now, nor have they ever been licensed to collect debts in the state of XXXX. This consumer has ordered verification of CACH LLCs unlicensed status with the state of XXXX.
Company Response:
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A