Date Received: 2023-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 34668
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Have asked lvnv funding for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt!
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company is in violation of 15 USC 1692g ( b ). Company never ceased with reporting to my consumer report after I disputed the debt. Company is in violation of 15 USC 1681 ( g ) ( b ). which states nothing in this paragraph shall be construed to REQUIRE a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. Company is in violation of 15 USC 1692 by using unlawful criminal means ruining my reputation by including accounts not permitted on a consumer credit report by law according to 15 USC 1681 A ( 2 ) ( i )
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A DEBT THAT PREVIOSLY WAS DELETED FROM XXXX BECAUSE ITS NOT MINES WAS THEN SOLD TO LVNV FUNDING LLC THATS NOT MINE! XXXX LAW S ARE BEING BROKEN 15-1681 (I) (A) (c) (f) - 15-1681 (s)2 (b) - 15-1681 (B)! I SPOKE TO THIS COMPANY ASKING FOR ORIGINAL VERIFICATION OF DEBT THEY REFUSED ! THIS IS A DIRECT VIOLATION OF THE LAW! IM PREPARED FOR LITIGATION IF THIS ISNT SOLVED! ALSO COMPANY SENDING MAIL FROM XXXX XXXX XXXX XXXX XXXX. WHEN IT ISN'T LOCATED THERE THIS IS FRAUD AND ITS WRONG!
Company Response:
State: NY
Zip: 14211
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company is in violation of 15 USC 1692g ( b ). Company never ceased with reporting to my consumer report after I disputed the debt. Company is in violation of 15 USC 1681 ( g ) ( b ). which states nothing in this paragraph shall be construed to REQUIRE a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. Company is in violation of 15 USC 1692 by using unlawful criminal means ruining my reputation by including accounts not permitted on a consumer credit report by law according to 15 USC 1681 A ( 2 ) ( i )
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My Social was compromised about 14 years ago to this date I still monitor for suspicious activities, I recently started going for a Home and Noticed several things inaccurate reporting I asked the collectors and pertaining agencies to verify and validate this accounts with contracts signature and other methods, XXXX one of the mayor reporting agencies also failed to provide such methods, resurgent was given 30 days to provide such validation and failed to do so, 60 days later called and asked for my address in order to mail some pointless paperwork asking me for fraud reporting, in addition XXXX another creditor emailed me as accounted deleted but XXXX refuse to accept my email with horrible business model.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: Not sure what this derogatory mark on my credit repot but it only come up on XXXX XXXX XXXX. Please take a look at it I believe it is a mistake. Thank you
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I disputed unauthorized accounts being published on my credit reports with LVNV Funding LLC on XX/XX/2023 and XXXX, 2023. LVNV Funding LLC has intentionally failed to provide proper and legal validation of the debts. I have requested several times to provide the following legal documentation : XXXX. Your lawful authority to collect without my consent or XXXX. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and XXXX XXXX XXXX with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. I have not receiving any of the requested legal debt validation and the accounts remain on my credit report damaging my credit.
Company Response:
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ON XXXX THE COMPANY LVNV FUNDING LLC/RESURGENT CAPITAL SERVICES, WAS SENT COMMUNICATION VIA WRIT REQUESTING FULL VALIDATION OF DEBT ( REFERENCE # XXXX ). I REQUESTED THAT LVNV LLC AND ITS AFFILIATES RESURGENT CAPITAL, ET ALL, NOT CONTACT ME VIA TELEPHONE- EMAIL- AND RESTRICT CONTACT TO MAIL VIA U.S. POSTAL UNTIL THEY CAN PROVIDE VALIDATION DOCUMENTATION. ON XXXX I WAS SENT CORRESPONDENCE STATING " ACCOUNT SUMMARY WHICH PROVIDES VERIFICATION OF DEBT ''. THIS REPORT SUMMARY IS NOT PROOF OF OWNERSHIP AND THE RIGHT TO COLLECT ON THE DEBT. I WAS COMMUNICATED WITH AFTER A CEASE AND DESIST WAS REQUESTED IN THE LETTER. THEY FAILED TO PROVIDE ME WITH A PURCHASE AGREEMENT WHICH WOULD LET ME KNOW WHO HAS HAD OWNERSHIP OF THE DEBT. HOW THEY CAN COLLECT ON THE DEBT AND IF THEY CAN SUE ON THE DEBT. PROOF THAT THIS DEBT HAS NOT BEEN WRITTEN OFF AS A TAX LIABILITY.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2023, I received two letters from Resurgent Capital Services attempting to collect a debt from Web XXXX XXXX One in the amount of {$2800.00} and the other {$1700.00}. I responded back to these letters with a Debt Validation Letter explicitly asking them to not communicate with me via email or anyway until the debt has been validated. I even advised them that pursuant to 15 USC 1692 that communication outside of validating the debt would result in a {$1000.00} fine per violation. However, Resurgent Capital Services has elected to ignore my request in violation of 15 USC 1692 and continues to send me emails in an attempt to collect a debt they have not validated. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they sent me emails. These are four ( 4 ) violations of 15 USC 1692 and I would like to receive the {$4000.00} they owe me for not following the law when they know better, especially without validating the debt.
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A