Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Wallet was stolen in 2020 in XXXX California, My drivers license, social security and cash was stolen from me.
Company Response:
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Oklahoma statute of limitations on debt In other words, the Oklahoma statute of limitations on credit card debt is five years. So, if you owe a credit card debt, your creditor or debt collectors only have five years to sue you for it, based on the date of the last activity on the account. This debt was from XXXX, and resold in XXXX This is illegal by oklahoma law
Company Response:
State: OK
Zip: 745XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In my attempt to verify a debt of {$530.00} that does not belong to me, the company LVNV Funding LLC could not validate my full name, address and other pertinent factors to prove that this debt belongs to me. The debt collector illegally violated laws of the FCRA by not sending me a letter in the mail because they did not have the correct address, illegally reported it to the credit reporting agencies, they were unable to give me my complete name to prove that the debt belonged to me.
Company Response:
State: IL
Zip: 60544
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A credit card was open under my identity. The company told me to go file an identity report I did that and they still reported me.
Company Response:
State: LA
Zip: 70508
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On todays date of XX/XX/2023 and got a notification from XXXX XXXX. Its a service that lets me know when accounts appear on my credit report. So today I got a notification that an account called LVNV Funding that I never contacted before or have any business with them put a negative remark on my credit report stating I was late for a payment. How could I be late when I dont even know who this business is nor have I ever dealt with them. This is a fraudulent account and needs to be removed asap. I need to be reimbursed for my credit reporting getting negative remarks from this account. This is hurting my well being knowing this account is there hurting me. I was trying to go get a vehicle today and now XXXX cant because of this account. Its on all three of my credit bureau accounts as a collection. Please help me get this removed because its a fraudulent account
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
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: account number XXXX compant name is lvnv funding llc i contact the company i wanted to see the original documents with my signature cause the address do not match where i been living for the last 5 years
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Resurgent Capital Services responded to my complaint with CFPB stating LVNV Funding LLC was the owner of the account. They also stated they sent me printed copies in which meets FDCPA. I never received any notices regarding this allege account prior to my dispute letter from Resurgent Capital Services and/or LVNV Funding LLC . This company has violated my consumer privacy rights. According to 16 USC 1681 they are required to report accuracy and correct information on every line of of my consumer report. The information they are reporting on my consumer report is inaccurate and incorrect. I want you to know I'm aware transactions and expericences are illegal to report on a consumer report according to 15 USC 1681a ( 2 ) Exclusion- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They have failed to provide me with a copy of any viable evidence, bearing my signature, that I have a contractual obligation to pay Resurgent Capital Services/LVNV Funding LLC . My federal privacy rights have been violated. They provided a printed copy of an alleged credit card statement and stated it was verifiable ( see attach ). As per FDCPA Section 809 ( b ), FTC opinion letter from Attorney XXXX XXXX XXXX, I believe they are fully aware that a printout of a bill or itemized document does not constitute verification. CFPB you know the documentation Resurgent Capital Services submitted with their response does not meet FDCPA. I haven't received a response from you as of yet. You are to protect us as the consumer. I XXXX this business and learn both entities were sued in a class action suit in which just closed as of XX/XX/XXXX. Both of these companies ( same owners ) are third party debt buyers. I have been trying to dispute this allege account for years since XXXX! I'm more knowable now of consumer laws. I'm looking forward to suing this company for violating my privacy rights. This has damaged my credit and still is. Also, the inconsistency on my consumer reports. In letter they stated the allege account open XX/XX/XXXXXXXX ; charged off XX/XX/XXXX. However, my consumer reports show the allege account open XX/XX/XXXX. Also, this comapny act as if they are invetigation this dispute however it shows on all of my consumer reports that it meets FCRA. This is illegal!
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Resurgent Capital Services responded to my complaint with CFPB stating LVNV Funding LLC was the owner of the account. They also stated they sent me printed copies in which meets FDCPA. I never received any notices regarding this allege account prior to my dispute letter from Resurgent Capital Services and/or LVNV Funding LLC XXXX This company has violated my consumer privacy rights. According to 16 USC 1681 they are required to report accuracy and correct information on every line of of my consumer report. The information they are reporting on my consumer report is inaccurate and incorrect. I want you to know I'm aware transactions and expericences are illegal to report on a consumer report according to 15 USC 1681a ( 2 ) Exclusion- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. They have failed to provide me with a copy of any viable evidence, bearing my signature, that I have a contractual obligation to pay Resurgent Capital Services/LVNV Funding LLC . My federal privacy rights have been violated. They provided a printed copy of an alleged credit card statement and stated it was verifiable ( see attach ). As per FDCPA Section 809 ( b ), FTC opinion letter from Attorney XXXX XXXX XXXX, I believe they are fully aware that a printout of a bill or itemized document does not constitute verification. CFPB you know the documentation Resurgent Capital Services submitted with their response does not meet FDCPA. I haven't received a response from you as of yet. You are to protect us as the consumer. I XXXX this business and learn both entities were sued in a class action suit in which just closed as of XX/XX/XXXX. Both of these companies ( same owners ) are third party debt buyers. I have been trying to dispute this allege account for years since XXXX! I'm more knowable now of consumer laws. I'm looking forward to suing this company for violating my privacy rights. This has damaged my credit and still is. Also, the inconsistency on my consumer reports. In letter they stated the allege account open XX/XX/XXXX ; charged off XX/XX/XXXX. However, my consumer reports show the allege account open XX/XX/XXXX. Also, this comapny act as if they are invetigation this dispute however it shows on all of my consumer reports that it meets FCRA. This is illegal!
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: on XX/XX/23, Resurgent stated in their letter that 'Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts.Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. However, Resurgent didn't adhere to all state and federal law and regulations. According to the FDCPA laws debt and collection practices. And Resurgent did find evidence of wrongdoing regarding mishandlings of communication within the collections letter. They letter shouldn't have included any mention of referral to an attorney. And I advise them to refresh themselves on how to write a collection letter according to FDCPA. Resurgent doesn't have the right to rewrite the law according to how they see fit. Which is an abuse of authority. Resurgent is negligent for what they did and must be accountable to make it right. Recently, Resurgent sent me a letter dated on XX/XX/23, in which they didn't share with CFPB, which is predatory practice. Asking for installment payment without using a unprofessional communication tone of harassment. The contrast is very different from the original collection letter. This is acknowledgement that Resurgent has taken measures into consideration on how to communicate moving forward since filing a complaint with CFPB. I ask that CFPB make Resurgent aware that they violated FDCPA laws debt and collection practices. And award me for damages in regards to harassment and unprofessional communication. The contrast between both letters of communication is drasticly different from one another. This is the evidence that Resurgent reluctantly do not want to acknowledge.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX continues to attempt to collect a debt that I do not own or have no knowledge of. They have failed to provide proof of debt, contract of such said debt and continue to pay credit bureaus to be able to report erroneous debt. I request that this false information is removed immediately. This debt was purchased from the original creditor XXXX XXXX XXXX XXXX and states that I owe {$340.00}. I have no business dealings with XXXX XXXX XXXX XXXX and there has been no communication from them as well stating that a mutual agreement or contract was ever had between them and I.
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A