Date Received: 2023-08-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I never received any collection notice for these two supposed collections from LVNV funding. I paid off my debt with XXXX so I'm not sure how this collection came to be.
Company Response:
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Identity theft accounts still appear on credit report
Company Response:
State: CA
Zip: 90007
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The account says XXXX original creditor with no contact info balance XXXX Lvnv funding LLC now
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/22 I paid {$340.00} to XXXX XXXX, they where the collection company used by XXXX XXXX, almost a year later after I paid the money XXXX XXXX sold the debt to a different collection company and they want me to pay the same debt again, I have proof that I paid that debt in full.
Company Response:
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2023-08-09
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 have asked fot validation of debt owned. They will not send it. Also balance is not correct
Company Response:
State: IL
Zip: 60453
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not get verbal or Written consent to place any credit reports on my credit. I also tried to resolve this matter by contacting each creditor but they fail to comply with me.
Company Response:
State: TX
Zip: 75703
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: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Company Response:
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A