Date Received: 2023-07-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recently pulled my credit report to find that LVNV Funding is listed as a collection with all 3 bureaus and has been reporting this debt since XX/XX/2021. I haven't received any paperwork or phone calls from this company regarding any balance owed or to advise of what this debt is for. This was placed on my credit reports without notification and has been there for over two years ruining my score when I was not made aware of the debt.
Company Response:
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: LVNV FUNDING C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX is fraudulently reporting a collection for an account they do not own. I have been fighting with them for several years. Starting in XXXX this company began harassing me via telephone demanding payment for a debt. I repeatedly asked in XXXX, XXXX and XXXX for bills in writing which they would never send. They refused to provide anything in writing. Their representative violated FDCPA on several occasions. They threatened my minor child when they called his phone in XXXX ( because it was listed in my name ), They told XXXX different people that they were attempting to serve me with court papers in XXXX, and there was no suit filed against me in XXXX. They called my place of employment in XXXX, AFTER they were told I was not allowed to have calls at work because I worked in a call center. They demanded my supervisor put me on the phone, when he told them I was not allowed to take calls, they told him that they were collecting on a credit card that I refused to pay, they told him the exact amount of money they claim I owed ( which is against the law ) and they lied, and said that the cops were on their way to my place of employment to arrest me, it is also illegal to threaten criminal punishment for a civil action that is not subject to criminal punishment. After that I sent them XXXX different letters requesting validation of the debt, to the address on my credit reports. They refused to respond. LVNV Funding sued me in XX/XX/XXXX, outside of statute of limitations for credit card debt collection in Tennessee. First court date I demanded proof, because they had never sent me any proof. At which point Resurgent finally mailed me a written statement along with a falsified copy of credit card bills. They showed up at court 4 times, with no competent evidence that they owned debt. They were attempting to abuse the legal system. Every time I showed up, with my proof in hand, their attorney would reset the date so they would show up with their proof. What they were really doing was hoping I would not show up to court so they could get a default judgement against me for a debt they could not provide competent evidence of ownership for. On XX/XX/XXXX, I had a motion to dismiss hearing where I showed the judge that 1, this debt is owned by another debt collector and 2, it is outside of statute of limitations. The judge dismissed their case because they still sent their attorney with no documentation or proof at all. I immediately sent the court documentation to XXXX, XXXX and XXXX. XXXX immediately removed the false information from my report. However, XXXX and XXXX have not removed it. I have sent numerous letters to Resurgent to remove their fraudulent information from my credit report and they refuse to do it. I am attaching proof that another company owns the debt, a copy of the REAL bill for that account, where you can clearly see the amounts, date account was open etc are different from the bill they are producing. I'm attaching a copy of their letter and bill as well as the order signed by the judge dismissing their case.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV Funding This account was not late. How can this account be reporting XXXX days late in XX/XX/XXXX if XX/XX/XXXX and XX/XX/XXXX are both reported on time? How can this account be reporting XXXX days late in XX/XX/XXXX if XX/XX/XXXX is reporting XXXX late? That would make XXXX XXXX days late. This account was not late. How can this account be reporting XXXX days late in XX/XX/XXXX if XX/XX/XXXX and XX/XX/XXXX are both reported on time?
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: The company in reference is reporting different information on all 3 credit accounts. This account is closed and should not be reporting open. They are in violation of my rights per FCRA guidelines.
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023 I submitted via USPS to LVNV Funding LLC also doing business as Resurgent Capital Services. LVNV Funding still failed to send me the Verification- ( Sworn under oath ) of the name and address of the original creditor pursuant to 15 USC 1692g ( b ). I am also demanding LVNV Funding LLC, to cease and desist all communication and collection activity pursuant to 15 USC 1692c ( b ), & 1692c ( c ).
Company Response:
State: CT
Zip: 06604
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is unlawful and unconstitutional
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: To be clear under the FDCPA, as a consumer I have a right to privacy in which youve intentionally continuously infringed upon without my content. After being put on numerous notices that I refused to pay this alleged debt and to cease communication regarding this alleged debt with all persons included consumer reporting agencies. In which I never gave neither company the authorization to share my nonpublic personal information without my consent. You are required under federal law to comply with my cease-and-desist order and to only advise me that your further efforts are being terminated but instead youve continue to ruin my reputation and provide unvalidated documents for which I did not request! Im demanding you to stop harassing me, by ruining my reputation over this alleged debt in which I dont not validate and refuse to pay which is my consumer right under federal law. No judgement has been provided in reference to this alleged debt nor do I personally have a contractual obligation with you. Therefore, under federal law for your failures to comply with numerous of provisions under the Act, you subject to any actual damage sustained as a result of such failure. Our correspondences are evidence that these violations were intentional and did not result from a bona fide error.
Company Response:
State: VA
Zip: 22310
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Disputed debit in XX/XX/XXXX when I was notified about it - no reply from collection agency. Then debt was transferred to another agent company, and again disputed XX/XX/XXXX. On XX/XX/XXXX, I was served a summons for civil court. The debt is now past statute of limitations XXXX NY XXXX 3 years ). The last payment on the account in question was XX/XX/XXXX, according to my credit report. Being out of the country for XXXX years, I can now see they've reported this on my credit file since then. The collection agency lied to the court & said I made a payment, I did not make, to extend the statute of limitations. Yet still, this is being reported to credit bureaus after disputing & I'd like this resolved.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A certified letter was mailed to XXXX on XX/XX/23 to validate this alleged debt ( letter is attached ). XXXX has responded with only copies of statements. According to consumer credit laws this DOES NOT validate a debt. XXXX is NOT the original creditor and I have NEVER done business with this company. I have not seen a contract with my wet signature. Please provide the proper documentation to collect on this debt.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A