Date Received: 2024-01-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This bunch of crooks LVNV aka Resurgent Capital who have been sued by the government and others repeatedly have placed three listings for collections on my credit report with XXXX and XXXX am sure XXXX and XXXX as well that I was never even sent a letter to verify as my debt!!! They are breaking the FDCPA and I want all accounts removed immediately and they are to cease and desist all further contact with me or my family or anyone I know or XXXX will sue them!!! I disputed the accounts yesterday with XXXX and they did nothing but respond to them today and put a note that I dont agree!! I want all account documents for every charge ever incurred and the application with my signature on it provided to both your office and myself! They need to be SHUT DOWN!!! Enforce the FDCPA and FCRA!!!
Company Response:
State: IL
Zip: 62801
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My son has tried to do the honest thing and notify Resurgent Cap through the CFPB system to let them know that he was the one who opened the credit card accounts in my name. However, they won't acknowledge his complaint since they don't recognize him. I'm attaching it to this complaint and they can do whatever they see fit. The corrective action would be to do the right thing and acknowledge that it wasn't me who opened these accounts and that it was my son. If they still want to say I own these accounts when I know for a fact that I don't, then I'm ready to take them to court. They will have to prove to the judge that it was me who opened this account and it was my hand that swiped these cards. But again my son has a written statement owning that he was the one that opened these accounts.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have been apprised of a legal action against me by LVNV Funding LLC, as conveyed through a law firm 's advertisement letter. The lawsuit documentation was transmitted to me via alacort 's website, a fact validated by the XXXX XXXX XXXX 's office. However, it was affirmed that a certified mail letter did not reach me, signifying an incomplete and inadequate service of process. In addition to the lack of proper notification, I have not received any supplementary legal correspondence pertaining to this lawsuit. Upon meticulous examination of the company and considering the experiences of fellow consumers facing legal action from LVNV Funding LLC, it has come to my attention that the company is reputed for deficiently informing individuals about lawsuits, potentially leading to default judgments against defendants. Not only does this legal action appear to be time-barred, surpassing the statute of limitations in Alabama, but the absence of proper and lawful service of documents is a matter of great concern. The revelation of the lawsuit through a law firm 's advertisement is disconcerting, and I assert that such critical legal matters should be communicated in a more formal and prescribed manner. Furthermore, LVNV Funding LLC 's consistent violations of the Fair Debt Collection Practices Act raise serious concerns, warranting a thorough investigation into their practices.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been contacted constantly since XX/XX/ by Resurgent Debt Collectors attempting to collect on a balance of {$710.00} owed by someone named XXXX. I mailed in a request of Debt Verification since my name is not XXXX and I owe no debts in that amount or to that company. I have not received it yet as of XXXX XXXX and still get text messages and phone calls from XXXX
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have 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 via ( FCRA ) was dispute around the time of XX/XX/2023 But Still Showing on my credit report * 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1692 / 15 USC 1681b / 15 USC 1681i
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is not mine and are fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report ( identity theft report attached here ). The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. XXXX and LVNV funding are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was paid in full now this company still stating that I owe {$210.00} still I also explained I was a victim in identity theft this company has been harassing me for four years I paid them every dollar
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company continues to send notices of debt when I have disputed the validitity of the debt via the validation of debt letter upon first notice. The company has previously stated they will no longer contact me but they sent two dunning notices to my mailing address dated XX/XX/2023 after they had a cease and desist letter on file they posted in a response to you prior. ( See attached letters ) This company also put a collection account on my personal credit history after in fact they knew it was in dispute and they collection account does not state DISPUTE- which is a violation of the FDCPA. I called their office XXXX XX/XX/XXXX and spoke to a rep who said she was in management and she tried to tell me to pay for the debt after repeatedely telling her I want to speak to someone who can stop the billing notices after all this was in a cease and desist mode. They are clearly violating the law and I intend on filing harassment and illegal collection tactics against them.
Company Response:
State: PA
Zip: 17402
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this request to XXXXXXXX XXXX that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A