Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Lvnv funding llc is reporting debt on my credit report that was not sold to them account number is XXXX its different from original account thats still on my credit report please provide documentation thats shows this debt was sold to them with original signature from the creditor fail to provide this document I demand this account be removed within 30 days else I would have to take legal action for fraud
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter dated from resurgent capital services dated XX/XX/2023 in regards to an alleged debt from XXXX XXXX XXXX in the amount of $ XXXX letter stated that resurgent capital services was collecting the debt and LVNV Funding was the current owner. I sent a certified letter on XXXX XXXX requesting that the account be validated. I have not received any account validation whatsoever. Upon checking a copy of my credit report it shows that LVNV Funding is reported as a collection. This is a violation of the FDCPA.
Company Response:
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was contacted by a third party debt collector about a debt I do not have with them. I have sent cease and desist letters numerous times and they have violated my rights. There is an open account on my credit profile with this company. I have requested information on this matter asking for dates of when I opened an account in which I have not received any information at all. According to 15 U.S.C 1681 Section 604 A Section 2, It states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate in which this information is completely inaccurate. Please remove this from my report immediately. I do not owe nor have I ever done a transaction with this company.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Text, emails to me daily XXXX XXXX harassing me about this accounts I have told them. I cant at the moment and remove my number from contacting I will contact them when Im ready.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services was the former name of LVNV Funding LLC. I have told them for months, this DEBT is not mine. They sent a lousy statement with my post office box. Anyone could have used this and did a forwarding. I reported this as ID theft some years ago. I want it removed immediately.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX, ph # XXXX, email : XXXX, has continued to garnish my wages after the debt has been paid in full, and in spite of I making several attempts to contact and resolve this, they have simply ignored my demands and as of now, in consequence I have overpaid over {$1200.00}, in addition to the full debt, which was fully paid. My employer cant legally stop the wage garnishment unless they receive notice from them, and they keep failing to do so. Please help
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted LVNV numerous times to resolve this issue of reporting an account that does not belong to me. My credit file contains {$370.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, listed as an Original creditor. I have not done business with either account, to my knowledge. LVNV has refused to provide actual proof that this account belongs to me. I am requesting a signed contract to verify I owe this debt. This erroneous data continues to tarnish my credit and violate the FCRA. A debt collector that has allegedly infringed a consumers rights under the Fair Debt Collection Practices Act ( FDCPA ), can be sued by a consumer for statutory damages of up to {$1000.00} ; actual damages including, but not limited to, harm or loss that resulted from a debt collectors actions ; as well as the consumers attorneys fees and costs. I will exercise my rights if this is not resolved.
Company Response:
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
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 am writing to formally dispute the inaccurate, false, and unauthorized Collections entry on my credit report, which is being reported by Resurgent Receivables LLC, with Resurgent Capital Services L.P. known as " Resurgent '' serving as the Servicer for the account. I hereby request a thorough re-investigation of this matter based on the following concerns : Lack of Valid Validation of Debt : Resurgent has repeatedly failed to provide any valid verification of debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite my previous requests for a contractual agreement containing my full signature and matching my social security number, Resurgent has not produced the necessary documentation to establish the legitimacy of the debt. Disputed Origin of the Account : Resurgent alleges that the Collections status is from an account that originated on XX/XX/XXXX, with XXXX XXXX XXXX XXXX, and further claims the last payment was received on XX/XX/XXXX, for {$80.00}, with the account being charged off on XX/XX/XXXX, with a balance of {$2100.00}. I dispute the validity of this account 's origin with XXXX XXXX XXXX XXXX, as I have never had any creditor relationship with XXXX XXXX XXXX XXXX through a contractual agreement executed with my full signature and matching my social security number. This constitutes a violation of the FDCPA, as the burden of proof lies with Resurgent to demonstrate the existence of a valid debt. Failure to Produce Assignment Transfer of Debt : Resurgent has not provided any verification of debt through an Assignment Transfer of Debt, as required by the FDCPA. This documentation is essential to validate the ownership and legitimacy of the collections account. The absence of such documentation further raises doubts about the legality and accuracy of the collections entry. Resurgent 's response has been inadequate and has not fulfilled the legal requirements for verification of debt, as outlined by the FDCPA. Instead, Resurgent has provided a false billing statement and terms and conditions, which do not constitute a valid contractual agreement under the FDCPA. This action has resulted in an inaccurate and misleading representation of my credit history with XXXX. I demand that XXXX initiate a comprehensive re-investigation into the accuracy and legitimacy of the collections entry reported by Resurgent Receivables LLC, taking into account the requirements set forth by the FDCPA. I urge XXXX to verify the existence of a valid contractual agreement, the permissible purpose for accessing my credit information, and the proper documentation regarding any Assignment Transfer of Debt, as mandated by the FDCPA. Furthermore, I request that XXXX provide me with a written response regarding the results of the re-investigation and any actions taken to address this dispute, specifically addressing the violations of the FDCPA. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the erroneous collections entry if found to be invalid or unverifiable. Your immediate attention to this matter is greatly appreciated. I believe that resolving this dispute in accordance with the law is essential, and I kindly request transparency throughout the re-investigation process, in compliance with the FDCPA.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX has not been updating my account. They are reporting my credit score at XXXX Compared with XXXX XXXX at XXXX and XXXX XXXX they are way behind on updating info. The loan balance from XXXX XXXX XXXX XXXX has not been updated since XX/XX/2023 and the balance has dropped by {$2800.00} and has never been updated to reflect that. The current balance owed is {$3500.00} The loan balance from XXXX XXXX XXXX XXXX XXXX has dropped by {$4300.00} on XX/XX/2023 and has never been updated to reflect that. " On XX/XX/2023, your XXXX XXXX XXXX XXXX student loan account balance decreased by {$4300.00} from {$8900.00} to {$4500.00}. '' Here are the following accounts that have been disputed and removed by XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XX/XX/2023 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Removed from report on XXXX XXXX XXXX XXXX They also have some personal info that is not correct as well. They have a FORMERLY KNOWN AS name of XXXX which is not me. XXXX dropped my credit score by XXXX points for absolutely no reason. No other reporting agency has ever done that. There are also some of the same discrepancies in the XXXX report. I am attaching all related info and notices of removal from the report or updated info. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Thank you for your help.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have unauthorized and inaccurate items on my credit report. LVNV FUNDING LLC is legally furnishing my credit report. I sent a verification notice. I received no response. But, XXXX stated the collection Item is verified accurate by creditor. I sent Notice to request proof of the exact amount of debt purchased between LVNV Funding LLC and XXXX XXXXXXXX to LVNV funding DIRECTLY. I did not receive an response. A week later, The items were deleted by XXXX and XXXX. Creditor failed to provide proof of original debt contract between XXXX XXXXXXXX And LVNV FUNDING LLC. Therefore, reporting inaccurate and unverifiable information committing tax fraud and identity theft. I have copies of each Notice Ive sent to LVNV Funding LLC. I also have the copies of the notices Ive sent to The credit Consumer Agencies in general. I have yet to receive a copy of original debt contract or proof of a contract between myself and XXXX XXXX. 15 usc 1681b states facts on this matter.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A