Date Received: 2023-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC is not owed. If they purchased it. They cant sell my information without written consent under 15 USC 1681. Tey also do under the name Resurgent I have written them several letters to verify debt. Please remove both entries on my credit report on all e Bureaus.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX - call and spoke to an agent about this credit and collections letter. The agent reiterated what was in the letter ( attempt to collect a debt ). Allegedly an account from XXXX. I did dispute to try and get more information. The collection agency just resent the original letter, with the amount due, and a date. No other details. The agent said this is considered proof of debt and this had been reported to the major credit bureaus. In order to get this off my credit, I inquired what a settlement would look like. Initial agent said their system generates a settlement offer, and my offer was 80 % of the debt claimed ( total debt allegedly is {$1900.00} ). I asked if a supervisor or a company leader would be able to negotiate this down. Even though I am not confirming the debt validity, I need this off my credit. It was a this time, the agent then told me the account was not reported to the credit bureaus despite moments before telling me it was. I asked for a supervisor. XXXX took my call and regurgitated her agent 's talking points. I asked for the offer letter in writing ; she said she could not do that. I asked if I agreed to their payment plan could I get that in writing, she said no. I then asked, if I make payments, will that ensure no credit reporting ( once we make an agreement ) ; the answer again is no. To conclude- they won't provide debt validation ( other than just resending the original letter ). My good faith attempts to resolve this end up in a dead end. I am reporting this behavior and request intervention.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XX/XX/2023 To the Whom It May Concern : Reaching out for your assistance with this consumer. I'm working to improve my credit and that I have sent a letter to validate the account. They are trying to collect, but I am not familiar with this account and do not know its origin. Despite the validation process, they continue to attempt to collect this account, disregarding my request for validation. l need your assistance to resolve this account as it is hindering my credit improvement efforts. I have downloaded the proof of my attempt to validate the account, sending a copy of the letter, the stub with the date when they received it and the copy of their letter. Attached is also a copy of my ID to prove that I am the person who is submitting the letter. Thanks for your assistance in advance.
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been subject to false information affecting my XXXX and XXXX credit report. over the course of six months the debt collection agency LVNV has continued to furnish reports of two closed collection accounts as open accounts, Account ending in XXXX and XXXX have both been previously closed after dispute, however afterwards have been reported as open and " needing attention ''. This has and continues to affect my credit report, this is also illegal, this accounts must now be removed due to violation of the Fair Credit Reporting Act. I have contacted LVNV requesting account validation at which point the agency failed to provide valid validation, I am requesting that LVNV be cited for consumer harassment and deformation of character. i have a current credit report which reflects these said accounts as closed while XXXX and XXXX via Credit both reflect these accounts as open and " needing attention '', again both of these accounts have been closed many times after been disputed and later reported as open by LVNV, this would not be able to happen if the accounts was deleted after been closed, also the with highest said balance was also deleted from XXXX and later reported as open the same account reflects as deleted on my XXXX credit report
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT RESURGENT CAPITAL SERVICES : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Resurgent Capital Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT RESURGENT CAPITAL SERVICES : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Resurgent Capital Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX Account # XXXX XXXX XXXX XXXX This account was originally XXXX XXXX XXXX XXXX and is over XXXX XXXX XXXX. After I explained my permanent hardships to them my account was charged off, closed and removed from my credit report XX/XX/2023. LVNV bought this account XX/XX/2023 and put it on my credit report with no supporting documents sent to me. I had no knowledge of this until it appeared on my credit report XXXX of 2023. I have messaged this company twice on their website and have also called them to no avail.I have never received a bill, itemized statement, notice or phone call about this debt. It is so unfair for them to put this on my credit but have absolutely no correspondence with me at all. Also details about my account on my credit report are missing. No data available till XX/XX/2023. There is nothing more I can do with this matter. I live on SSDI benefits only. There is no other means of income.
Company Response:
State: FL
Zip: 34112
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC placed my account with Resurgent capital services ( collection agency ) on XX/XX/2023 and {$770.00} must be paid. I never had an account with LVNV. I attempted to call Resurgent Capital Services, but nobody answered the phone. Resurgent Capital Srvc XXXX XXXX XXXX XXXX, SC XXXX XXXX
Company Response:
State: CA
Zip: 95616
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Adverse Action and defamation of character LVNV Funding I, the consumer and natural person, was a victim of identity theft, by XXXX XXXX XXXXXXXX XXXX XXXX XXXX discharge the debt 1099C and then sold the debt to LVNV Funding. Adverse Action against consumer is against the law according to the equal credit opportunity Act which is codified in 15 U.S.C. 1691c and pursuant to civil Liability under U.S.C. 15 1692k you are subject to criminally liability for violating 15 U.S.C. 1691c as I have been discriminated and defamation of character by XXXX XXXX and LVNV Funding in response I received from XXXX XXXX and LVNV funding of discharge of debt 1099C XXXX XXXX and LVNV Funding is in violation of the 15 U.S.C. 1642 U.S.C.1681m and CFR 1002 the parties XXXX XXXX and LVNV funding iusse application without buy knowledge and both parties also discharged debts and but that credit was not issued to me Futuremore because my social security number ( credit card was used and I received no benefits but defamation of character and inaccurate reported and harassed and garnished my pay check. This is proof of fraudulent activity ( anathourtized use of credit card on behalf of LVNV funding and XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A