Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Lvnv Funding LLC and Resurgent Capital Service are illegally trying to extort money from me without a Texas license and continue to communicate with me after demand to cease all communications. They continue to threaten me, damage me, harm my ability to contract, damage my health which is in my medical records and extort me for unjust enrichment and dishonorable gains. I repeatedly demanded they do not communicate with me through any 3rd party reporting agency. In me exercising my rights they choose to continue adverse actions without valid or legal claim. I asked for verification of debt but they refuse to provide legal verification through notarized affidavit or sworn declaration of all accounting of debt. ////////// I previously sent the following to respondents as well as attachments as well as new attached information.////// I recently had some health problems resulting from my concerned interest in my personal and private account information being shared by Lvnv Funding LLC and its parents or successors and demand for the safety of possible identity theft , fraud, or other breaches and extortion risk that I exercise my right to privacy and opt out of Lvnv Funding LLC and its parents or successors sharing my private and personal account transactions, experiences , history and record with any consumer reporting agencies. They are attempting to create distress, misinformation, abusive debt collections, misrepresentation of character, financial injury and risk exposure of discrimination and identity theft of private information. I demanded unless they can warrant or guarantee the safety of my information to which can show I burden no risk from their activities then they are to cease and desist all sharing and reporting of my information to 3rd parties, non-affiliates and consumer reporting agencies or in other words NON GOVERNMENT AGENCIES. I ask that the CFPB enforce actions against Lvnv Funding LLC and its parents or successors and its assigns, affiliates and non affiliates on handling my private accounts. FCRA 15 U.S. Code 1681b ( a ) 2 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Subject to the jurisdiction of the State of Texas and its Texas Debt Collection Act, you are not licensed to do business here in this State according to both nmls and your own websites. You are being abusive and I have the right to request deletion of personal information and opt out of sale of personal information for my privacy and safety of personal information. 

According to Texas Finance Code Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Acts 1997, 75th Leg., ch . 1008, Sec. 1, eff. Sept. 1, 1997. Sec. 392.102. CLAIM AGAINST BOND. 

15 U.S. Code 1692a - Definitions ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation