Date Received: 2023-07-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV isnt license to collect on debts in the state of California. They are illegally trying to collect on a debt. I provided documentation to prove that. Remove account from XXXX, XXXX, and XXXX.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PLEASE NOTE THIS INFORMATION HAS BEEN REPORTED TO YOUR REGISTERED AGENT, XXXX XXXX XXXX and also the FTC. LVNV/Resurgent receivables has failed to verify this alleged debt. I have asked for verifiable accounting records and they have sent a document wanting evidence of identity theft. That is not evidence of debt. It is my federal right to see an audit trail as well. LVNV/Resurgent Receivables has failed to do this as well. I have sent a cease and desist letter to them multiple times. However, lvnv/resurgent receivables have ignored my cease and desist. 15 USC 1692c lets me know that they are prohibited from communicating with me through ALL MEDIUMS. This would include my consumer report. Lvnv/Resurgent Receivables has failed to substantiate its claim about the alleged debt. LVNV/Resurgent Receivables feels like their company policy supersedes federal law. It does not. I deem each time LVNV/ Resurgent Receivables ignores my attempts, is a willful violation pursuant to 15 USC 1681n- Civil liability for willful non-compliance. It is also a negligent violation pursuant to 15 USC 1681o- Civil liability for negligent non-compliance on Resurgent Receivables part. I also did not give authorization or permission to have my personal identifying information which you obtained through aggravated identity theft in accordance with 18 USC 1028A. Please send an affidavit signed with wet ink certified under penalty of perjury to substantiate your claim. Without this, you have no consent to continue any collection activities.
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PLEASE NOTE THIS INFORMATION HAS BEEN REPORTED TO YOUR REGISTERED AGENT, XXXX XXXX XXXX and also the FTC. LVNV/Resurgent receivables has failed to verify this alleged debt. I have asked for verifiable accounting records and they have sent a document wanting evidence of identity theft. That is not evidence of debt. It is my federal right to see an audit trail as well. LVNV/Resurgent Receivables has failed to do this as well. I have sent a cease and desist letter to them multiple times. However, lvnv/resurgent receivables have ignored my cease and desist. 15 USC 1692c lets me know that they are prohibited from communicating with me through ALL MEDIUMS. This would include my consumer report. Lvnv/Resurgent Receivables has failed to substantiate its claim about the alleged debt. LVNV/Resurgent Receivables feels like their company policy supersedes federal law. It does not. I deem each time LVNV/ Resurgent Receivables ignores my attempts, is a willful violation pursuant to 15 USC 1681n- Civil liability for willful non-compliance. It is also a negligent violation pursuant to 15 USC 1681o- Civil liability for negligent non-compliance on Resurgent Receivables part. I also did not give authorization or permission to have my personal identifying information which you obtained through aggravated identity theft in accordance with 18 USC 1028A. Please send an affidavit signed with wet ink certified under penalty of perjury to substantiate your claim. Without this, you have no consent to continue any collection activities.
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello back in XX/XX/2021 i had XXXX internet, there internet was week so i called and told one of the representatives that the signal kept going out so i decided to leave XXXX internet so i paid XXXX internet {$120.00} dollars and XXXX and i told the representative to cacel my service i was going to another internet provider .this was XX/XX/2021 i had settled my bill with XXXX XXXX. Idon, t know why they are trying to get money from me that i don, t owe i disputed this clain before.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Contacted this company which I have not entered into any busineess or contract with and disputed the validity of the debt after seeing the credit report, also the company has not sent any contract or supporting documents.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX has sold my PII illegally and has consistently violated FCRA and FDCA. Who's XXXXXXXX when you were the company to sell my information without consent. You can ask for a subpoena to deliver my PII but, it's not required and not legal. I have made multiple requests for proof and you have failed to provide any legitimate proof on this account. Your employees used breached information to open this account. Why did the company you sold my PII to, changing the address on my credit report.
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX has sold my PII illegally and has consistently violated FCRA and FDCA. Who's LVNV/Resurgent when you were the company to sell my information without consent. You can ask for a subpoena to deliver my PII but, it's not required and not legal. I have made multiple requests for proof and you have failed to provide any legitimate proof on this account. Your employees used breached information to open this account. Why did the company you sold my PII to, changing the address on my credit report.
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Every month the publish in my credit report as if they are a new account and its affecting my credit
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company is a scam. You send a complaint to LVNV Funding and then get information about a sister company called Resugent Capital Management. ( Send Below ) Your Account Has A New Owner : LVNV Funding You still owe your debt but the new owner is LVNV Funding. LVNV Funding outsources the management of its portfolio of accounts to a company called Resurgent Capital Services. Resurgent Capital Services is a licensed third-party debt collector specializing in the management of these types of consumer assets. Resurgent may contact you directly or may ask one of their collection agency partners to help them reach out to you. I've send certified letter to both of these companies over a series of months. I asked for proof this debt was mine and they ONLY sent a statement to my mailbox. I told them, I NEVER received this card. Anyone could have used the mailbox and forwarded it to another address. They still have not removed this false account from my report.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX XXXX. My last payment to XXXX XXXX XXXX, na was on XX/XX/XXXX in the amount of {$100.00}. My balance was {$330.00} at the time. On XXXX, the account was closed and charged off with XXXX XXXX XXXX On XX/XX/XXXX, LVNV Funding, LLC acquired the account. I Received Several Emails, and Calls from XXXX XXXX XXXX XXXX XXXX ) and Resurgent Capital Services XXXX XXXX ). I have Disputed the account and requested to verify the correct balance. LVNV Violated, " The completion of the period of limitation prescribed to bar any action shall defeat and extinguish the right as well as the remedy. '' XXXX XXXX. The statute of limitation clock starts when the contract is breached. Typically, this means 30 days after the date of the last full payment. Also, Misleading representation, will XXXX different companies stating that they are collecting debt for LNVN, Funding relating to a charge off account with XXXX XXXX XXXX Futhermore, On XX/XX/XXXX a summons was issued by LNVNL Funding, LLC XXXX XXXX XXXX XXXX to appear in XXXX XXXX XXXX XXXX regarding the collections debt matter. ( XXXX XXXX. : XXXX ), delclaring that I pay {$780.00}, plus judgement interest at 8 %. The declaration stated that LVNV Funding, LLC ( Plaintiff ) " Through Counsel '' sent ( Defendant ) a correspondence demanding payment on this account. I never received Correspondence through counsel demanding payment for the account. Also, I was never served summons, as there is no proof of summons. I so happen to be walking in my front yard and notice a paper on the ground. On XX/XX/XXXX, I contact XXXX XXXX group and spoke to a XXXX who identified himself as the vice president of the company. He was rude and wouldn't hear anything I had to say regarding this matter. I went to the company 's website and saw that that did not have a " XXXX XXXX listed on their website and through Mississippi XXXX of XXXX XXXX XXXX.
Company Response:
State: MS
Zip: 39213
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A