Date Received: 2023-07-18
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: This company has been paid through court ordered wage garnishments and should not be able to continue trying to collect from me. I have disputed through the XXXX and asked for removal from my credit file. They have come back as accurate and verified. The information posted has caused me great loss. The inability to find adequate housing, the credit denials. I would like this account removed from my credit report immediately and will be seeking legal counsel for the XXXX that have reported this information erroneously. I also will be filing a complaint with the FTC and XXXX
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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: 10453
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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: XXXX is violating my Rights as a Consumer. LVNV Funding is also violating my Rights as a Consumer. I am in a never ending loop between XXXX and LVNV Funding in which they are complicit in KNOWINGLY Violating my Rights. LVNV Funding brought a lawsuit against me in the District Court. The case was decided in my favor. I have a Judgement of Dismissal that explicitly states '' On the above claim, the Court has, upon dismissal, DISMISSED this claim... This means the defendant DOES NOT have to pay the plaintiff ANY PART of the claim or costs in this claim. '' Dated for XX/XX/XXXX. This document was sent to all parties involved in the lawsuit. Reporting that I owe ANY amount to ANY credit reporting agency AFTER receiving this Judgment of Dismissal is unlawful. After noticing this Account was still reporting on my Credit Report, I disputed this account with XXXX. On XX/XX/XXXX By certified mail, I sent a dispute disputing this account and also sending in the Judgement of Dismissal that I received from the Courts to prove this account was NO LONGER ABLE TO REPORT as I DID NOT OWE THEM ANYTHING and the entire account must be removed. XXXX went through their process determined the account was VERIFIED by LVNV Funding. LVNV Funding then sent me their " proof '' through the mail, totally ignoring the Court decision, and instead sending me documents their Attorney didn't even present before a Judge. On XX/XX/XXXX, by Certified Mail, I disputed this same account with XXXX again, asking for a reinvestigation, and again sending in my documents from the court Verifying the account in question that was being Disputed with LVNV Funding was actually the account being shown in the Judgement for Dismissal. XXXX concluded their reinvestigation and deemed the account to be VERIFIED and ACCURATE, despite having a copy of the Court order and this information being easily accessible online. They are able to VERIFY the information I was presenting them by accessing Massachusetts Court Records online! Last week I decided to call XXXX to speak with someone personally. The representative I spoke to told me he would resubmit a Dispute. No, Thank you. Been there, done that, WITH SUPPORTING DOCUMENTS. I asked to speak to a Manager, was transferred to the Floor Manager who told me XXXX is " only '' a credit reporting agency and can " only '' report was is given to them by furnishers. I was told that they could still report this Account even with a Judgement for Dismissal. Today, I decided to call LVNV Funding using the number listed on the account on my credit report. The number did not belong to LVNV Funding but belonged to Resurgence Capital, who is servicing LVNV Funding accounts. The representative looked up my account and said the only way to have this account removed from Credit Reporting is to pay it. I asked to be transferred. The person I was transferred to told me the same thing. I asked to be transferred to a Manager. The person who took the call did not identity themselves as a manager but proceeded to read from a LONG DOCUMENT making sure to finish, getting louder if I interjected. She basically read a document that explained that the case was Dismissed WITH Prejudice ( they have the document from the Judge ) which means that the LEGAL part of the account was closed, they could not pursue legal action but could still report the account to the Credit Reporting Agencies. Which makes absolutely no sense. She then proceeds to tell me the only way to have the account removed is to pay it. I have a Judgment of Dismissal for this account from the Courts which BOTH XXXX and LVNV Funding refuse to acknowledge. This account has remained on my Credit Report for almost a year after the determination by the courts. I continue to pay High interest rates, have been denied a school loan for my daughter to attend college, went through an immense account of XXXX anguish which persists to this very day, and financial burden due to this issue I am having with XXXX and LVNV Funding. Laws are put in place to prevent this very situation and XXXX and LVNV Funding are acting as if they are both above the Law. The Fair Debt Collection Practices ' Act IS THE LAW. XXXX and LVNV Funding is in violation of the law. This is False Misrepresentation of the legal status of this debt and continuing to report it after having a Court Ruling is unlawful. The persistence with noncompliance to the law is being documented. The CFPB and the FTC are my final courses of action before suing XXXX and LVNV Funding. I am REQUESTING REMOVAL and THE COMPLETE DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT as I DO NOT OWE ANY AMOUNT TO LVNV Funding and this information should not be reporting on my credit report. Docket XXXX Date of Judgement : XX/XX/XXXX
Company Response:
State: MA
Zip: 01020
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Account was charged off by XXXX XXXX XXXX while under XXXX XXXX. Alleged debt is incorrect as there are fees that are applied that contradicts the program agreement. True known amount of any outstanding balances are unknown. This account has unauthorized charges, inaccurate account fee ( XXXX ) and was under dispute and protection at the time the account was sold to the alleged account buyer LVNV Funding LLC. I DO NOT OWE WHAT THEY ARE ATTEMPTING TO COLLECT. LEGAL DEBT OWNERSHIP DOCUMENTS HAS NOT BEEN PROVIDED. LEGAL CHARGE OFF DOCUMENTATION FROM ORIGINAL ACCOUNT OWNER HAS NOT BEEN PROVIDED. LEGAL DEBT BUYER OWNERSHIP NOT PROVIDED. I WILL NOT BE BULLIED INTO PAYING AN ACCOUNT THAT IS INACCURATE.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Resurgent Debt Collection and XXXX XXXX credit card-is reporting the same debt that was filed in bankruptcy and it was discharged. They are reporting that the debt is owed. They are reporting the same amount as well as the original creditor on my credit report. I am getting hit with a double negative because both are reporting the same debt. When I disputed the debts on my credit reports, all have updated the information as correct when it is incorrect and not valid.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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 have been trying to rectify a collection account on my credit report for over a year and I am at my wits end. I originally had a XXXX XXXX account with XXXX and was having no issues until the XXXX XXXX. I am now XXXX and was given a payment plan to have my payments reduced in 2020 due to a financial hardship. I made all of my agreed upon payments. At the time my balance was approximately {$3000.00}. After about 90 days, I was told my payment plan was no longer valid and my balance ballooned to over {$10000.00} due to interest accrual. I was informed that I was given erroneous information about how long my new plan would last and was sorry for the misinformation. Soon after, my account was sold unbeknownst to me to another company for collection. I did not authorize my personal information to be given to anyone. There are now 3 companys sending threatening letters and have my PERSONAL information in their possession. The companies are Resurgent, LVNV LLC and now XXXX XXXX XXXX XXXX is sending threatening letters. I understand XXXX charged off this debt and sold this account to these additional predators. This is wrong and I have sent numerous letters to XXXX, XXXX and XXXX to no avail disputing this account from LVNV and the amount owed as I do not know who they are or how they got my personal information. I definitely did not sign any contract with them.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a notice in the mail about an alleged credit card from LVNV Funding LLC on XX/XX/XXXX. I immediately emailed them the same day and requested : their legally authority to collect an alleged debt without my knowledge or consent, the original contract between me and the original creditor showing where I agreed to the assignment of the debt, the original contract between me and LVNV Funding LLC with my wet signature, provide me with 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, Provide me with an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA, and 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. They ignored these direct request several times. All they sent me was account statements from a credit card bill which isn't proof I owe a debt. I responded to them stating they didn't provide me with the requested documents and since they dont have them to cease and desist all collection activities. They ignored that request and has added this alleged debt to all 3 credit reports XXXX, XXXX, and XXXX.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Resurgent Capital Services and XXXX XXXX XXXX is reporting to all 3 major credit bureaus on a previous account that has already been written off and claimed as income by XXXX XXXX. They have also violated The Privacy Act of 1974 and The Fair Credit Reporting Act ( FCRA ) of 1970 and this is now affecting my credit. They have violated 15 U.S. Code 1681 ( Permissible purposes ) .I have not given any consent to them to report to the bureaus which is negatively affecting my credit report. I will be filing a Ftc complaint if this is not removed i have not consented to them sharing my information.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello- I just logged into my credit reporting account and there appears to be a collections on my record. I do not have an agreement with LVNV FUNDING LLC and do not know why this shows up on my credit report! This collections record shows up as having been in effect since XX/XX/2023 and I see that this collections record has been documented as of XX/XX/2023. I want this erroneous collections record removed from my credit report removed immediately.
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A