Date Received: 2017-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in viola tion of 15 U.S.C. 1681. You are requ ired under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX Law Dictionary, XXXX XXXX , 2009 , defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, tru th or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed b y 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 ) ( A ) of the FC RA you are required to promptly DELETE all information which can not be verified.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Pinncle, LLC/Resurgent Capital services only provided temporary relief from my previous CFPB complaint. Pinncle, LLC/Resurgent Capital services did not address or provide relief for account number # XXXX Reference number # XXXX . Again I never established a contract with this company. Furthermore you indicated that the debt was made in XXXX which means the stature of limitations are in question. A bill is not a contract and a bill does not validate that I do not owe you any money and again my character is being defamed. Again I the the Fair Debt Collection Practices Act is in violation.
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I ha ve the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, al l unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a charge off with XXXX XXXX Bank that has been paid and is reporting as a paid charge off on my credit report but they have a company that also reported a collection onto my report that is showing a balance for the same amount that I already paid and was reporting it as paid.
Company Response:
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I certified the letters to credit bureau and to the company 's sent me a payment sheet i never did business.
Company Response:
State: TX
Zip: 77016
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX , XXXX To whom it may concern : I would like to file a complaint on XXXX Collection Companies, LVNV Funding LLC, and also, RESURGENT CAPITAL SERVICES. These XXXX collection Companies have placed XXXX collection accounts on my credit files that I do not owe. In the past, I had, had XXXX credit card accounts with XXXX XXXX XXXX XXXX XXXX , and XXXX XXXX fraudulently charged off and closed my credit card accounts in XXXX of XXXX . These accounts should not have been charged off because I made my payments. I paid a little over the required amount of requested payments that the XXXX XXXX representatives told me by telephone that I owed for XXXX XXXX . My payments for all three accounts was paid online at the XXXX XXXX website, on XXXX XXXX , when the payment due date was for XXXX XXXX XXXX . XXXX XXXX accepted my three payments on XXXX XXXX , XXXX , reassuring me that everything was okay with my accounts, and all XXXX accounts were open, and then they lied and turned around and charged off my XXXX accounts in XXXX of XXXX . In XXXX of XXXX I could not access my XXXX XXXX online accounts, this is the way I had always made my payments, I could not access the online accounts, because they no longer existed. For years I fought XXXX XXXX because they closed my accounts and they should not have, they closed my accounts that I had made payments on, and accounts that I was not even at my credit limits. And worse of all they closed the card that I had, had with XXXX XXXX , a card that I had, had prior to XXXX XXXX taking over XXXX XXXX , and this card I was not at, or over my credit limit. They took my money, and didnt even give me the credit for it, they just charged off my accounts the month after they took my XXXX XXXX payments. I am XXXX , and I had contacted XXXX XXXX in XXXX of XXXX letting them know that I had been very ill, and they claim that they were assisting me by putting my XXXX credit card accounts into their Specialty Assistance Program, in which I would not be due any payments till XXXX of XXXX , and the only charges that would be going onto my accounts was the small interest amount that would be tacked onto the account each month, until my payments started back up again in XXXX of XXXX . It turned out that they lied to me, they were not working with me at all, what they did was to add all sorts of charges and fees to my accounts taking them up to higher balances, they did not put my accounts into that Specialty Assistance program, as they had claimed, but when I would call them regarding statements that I had been receiving they claimed that everything was good with my accounts, I was in that program, and I didnt have anything due until XXXX of XXXX . The card with the lowest credit limit, I had, had that credit card for years, this was a credit card that I had, had from XXXX XXXX , I had, had the card for years, prior to XXXX XXXX taking over XXXX XXXX , and then they ruined everything with my card, they closed it, even though my account was below limit, and I was up to date on my payments. I had complained to the BBB ; the credit bureaus and the Federal Trade Commission, for the last 2 plus years, because XXXX XXXX was not reporting the fact that I had made three payments to them on XXXX XXXX of XXXX , and they were trying to hide the fact that they fraudulently closed my XXXX credit card accounts after taking the money that I had paid to them on XXXX XXXX XXXX . Well XXXX XXXX is now trying to absolve themselves of the fraud that they had committed with my XXXX credit card accounts, they have completely removed my XXXX XXXX XXXX accounts from my credit files. And what I have now found is that this shady LVNV Funding LLC and RESURGENT CAPITAL SERVICES, has placed my XXXX fraudulently closed XXXX XXXX accounts in collections, thereby ruining my credit, with accounts that XXXX XXXX should not have closed in the first place, because I had paid on them, and I wasnt over limit, and all of the bogus charges that XXXX XXXX has place on the accounts, is what has the balances showing what they do, I dont owe that money. I have not had any business with XXXX XXXX since XXXX of XXXX , when they fraudulently charged off my XXXX credit card accounts. And these XXXX lying companies, LVNV Funding LLC/ RESURGENT CAPITAL SERVICES, has placed on my credit files that I have XXXX collection accounts with them for XXXX / XXXX / XXXX for the fraudulent XXXX XXXX charge off accounts, that XXXX XXXX fraudulently Charged off in XXXX of XXXX . Neither of these companies has ever contacted me, they just illegally placed this fraudulent information on my credit files regarding these fraudulently charged off XXXX XXXX charge of accounts. I want these companies to remove all of this derogatory fraudulent collection information that they have placed on my credit files. And I want them to make sure that the credit bureaus puts back the same number of points onto my credit score that they took off for this fraudulent information. And I want written proof on LVNV Funding LLC and RESURGENT CAPITAL SERVICES letterhead that this has been done. And I want all of the fraudulent information that they have in their files regarding these fraudulent XXXX XXXX Accounts removed, and I want written proof that that has been done. And they better not ever in life come at me with this fraud again, I am going to also consult with an attorney, because they know that they are lying when they claim that I have a collection with their companies as of XXXX / XXXX / XXXX due to XXXX XXXX , these collection companies are trying to re-age these fraudulent XXXX XXXX accounts on my credit files, when they fully know that XXXX XXXX fraudulently charged off my accounts in XXXX of XXXX over 2 years ago. They dont have a right to place whatever lying collection date that they want to throw out there. And this was the last straw with XXXX XXXX , I will surely consult with the attorney regarding what they have done. I am going to see if there is also anything that the Attorney Generals office can do regarding all XXXX of these companies. I am writing to the Consumer Financial Protection Bureau, because if there is anything you can do regarding these companies business practices, I would surely also appreciate your assistance.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV FUNDING LLC XXXX C O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX , has re-aged XXXX accounts on my credit report according to the original creditors date of first delinquency. In addition, LVNV FUNDING LLC has not verified that this debt belongs to me before posting to my credit reports. This is another violation of the Fair Credit Reporting Act. Creditor Name-LVNV FUNDING LLC Account No. XXXX *** Orig inal Creditor- XXXX XXXX XXXX XXXX XXXX Original Balance XXXX Date Opened- XX/XX/2017 Date Reported- XX/XX/2017 Creditor Name-LVNV FUNDING LLC Account XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Original Balance- XXXX Dat e Opened- XXXX Date Reported XXX/XX/2017
Company Response:
State: FL
Zip: 33707
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I contacted Resurgent Capital Services. XXXX option XXXX . Spoke to XXXX regarding a lien that is on my home. The debt was in BK . I explained by BK was released in XXXX XXXX and I should no longer have a lien on my home. She said she had to look into it and would go from there. XXXX I called back and spoke to XXXX and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy. XXXX I called again she stated there were not updates and not copy yet. XXXX Called and still no updated per XXXX . XXXX XXXX stated still no updates. XXXX I spoke with XXXX said no updates. I asked to speak with a manager and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the manager w as a lunch and sent me to voicemail. I did not get a return call. XXXX My husband called first she stated no updates he too asked for the manager and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number. XXXX I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since XXXX and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her manager ha s not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to XXXX . I have kids and would like to get my mortgage down. I 've been overpaying for many years.
Company Response:
State: CO
Zip: 81001
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello, I have a problem. Recently back in XX/XX/XXXX I tried to open a local bank account with XXXX XXXX. I was denied So I questioned what was on my report that caused this. I notice many accounts in which some I recognize and some which i do not recall, not that they could n't be mine I just have no record of it and do not recall having said account. This is an account i do not recall but have tried to settle it with the third party reporting it on my credit and the original creditor. I have recently mailed multiple letters to the Third party Company LVNV FUNDING LLC at mailing address XXXX XXXX XXXX XXXX, SC XXXX. My first letter was on XX/XX/XXXX where I requested the amount owing for this account in exchange for the exchange of the original instrument of indebtedness in its original form. I wrote LVNV Funding again on XX/XX/XXXX because I had received a response from the original creditor. But in my letter dated XX/XX/XXXX to LVNV I offered again to settle the account immediately upon receiving a copy of the original instrument of indebtedness in its original form. I still had received no response.I wrote another letter to LVNV Funding on XX/XX/XXXX since I had not received a response to my initial letter. I again offered to pay this account upon receiving the original instrument of indebtedness. I still received no response to date. But this alleged account continues to be reported on my credit in a collection status which has made me not being able to qualify for a pre-approved Va home loan. I have also contacted the original company via USPS mail on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, in which each letter I offered to settle this account immediately but on each response from the original creditor ( XXXX XXXX XXXX ) which i received on the following dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. In the letters received XXXX XXXX either referred me to LVNV Funding LLC or told me they do not need to provide any information pertaining to this account and again referenced me to the third party company. I have also sent all communication to the 3 credit bureaus in order for them to obtain facts from these companies ln which all have returned their investigation as this alleged account being correct and verified.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2017-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A