Consumer complaint received 2023-04-19
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good Morning CFPB, I again have checked my Consumer Report from XXXX XXXX. Yet again when I contacted XXXX XXXX about my Consumer Report, XXXX XXXX again advice me that this is the game that theses collection agency play using other names and to continue with your complaints to get them permanently removed. CFPB, I have also enclosed the certified mail receipt, the letter which I sent to Lvnv Funding LLC and documents of this fraudulent account that is still on my Consumer Report. Its been over thirty days and I still haven't heard or seen any change on my Consumer Report. Federal Law 15 USC 1681 ( a ) ( 4 ) clearly states : ( a ) Accuracy and Fairness of Credit Reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of Consumers. ( 3 ) Consumers reporting agencies have assumed a vital role in assembling and evaluating Consumer credit and other information on Consumers. ( 4 ) There is a need to ensure that Consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the Consumers right to privacy. Federal Law 15 USC 1681a- ( e ) clearly states : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Federal Law 15 USC 1681b clearly states : ( a ) In general Subject to subsection ( c ), any Consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal Grand Jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the Consumer to whom it relates.

Federal Law 15 USC 1681q clearly states Obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both. CFBP, Clearly Lvnv Funding LLC has Violated my Consumer 's Rights as it is stated above and are continuing to commit Identity thief which is another Consumer Violation.

Company response to consumer: Closed with explanation