Consumer complaint received 2023-03-18
Company: Resurgent Capital Services L.P.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have noticed that there are duplicate accounts that are inaccurate and misleading with the same account number and balance listed on my report. I am requesting that you remove the duplicate accounts from my credit report as soon as possible. 
LVNVFUNDG XXXX LVNV FUNDING XXXX Delete the accounts LVNVFUNDG XXXX ( XXXX ) LVNV FUNDING XXXX ( XXXX ) for inaccuracy because the accounts dont belong to me, the original creditor does not own the accounts, and the accounts were sold but still reports a balance. The accounts show different creditor names. I never had an account with LVNV FUNDING and they are violating my rights. Delete the accounts immediately inaccuracy because the date last reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. The date last active reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX which means the account was re-aged and thats a violation. The date of the last payment reported is XX/XX/XXXX on XXXX and is not recorded on XXXX. The date opened reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. The payment status was reported as late 120 days on XXXX and collection on XXXX. The past due is wrong and inconsistent on XXXX and XXXX. How can it be past due on a collection? The account status is reported as open on XXXX and derogatory on XXXX. Both bureaus have inconsistent reporting on this account. Delete the accounts for inaccuracy because XXXX bureaus report different information. LVNV FUNDING has violated my rights numerous times.

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.

15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.

15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice to opt out.

Company response to consumer: Closed with explanation