Date Received: 2023-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I never heard of this company or this debt. I monitor my credit with XXXX and in XXXX XXXX XXXX or so I received notification that this account was posted to my XXXX and XXXX report. The supposed amount owed is {$2500.00} with a company and a d/b/a i have never heard of or done any business with. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter to Resurgent on XX/XX/2023 asking them to validate a debt they claim that I owe. On XX/XX/23i received a letter in the mail that did not validate or even respond to the letter I sent them. Below I have attached the letter that I sent them as well as the letters that I received in response
Company Response:
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This doesn't belong to me I never had a contract with this company
Company Response:
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Bear with me, my name is XXXX XXXX LVNV Funding or Resurgent Capital Services or Resurgent Debt Collection, all one company operating under different alias ' claim that I owe them upwards of at least {$25000.00} and I have never opened an account with them, applied for an account with them, nor did I willingly give them my Name, number, social, email or mailing address, therefore they stole all my identity and are now using it to extort me out of money that they claim I owe them. I'm aware of my rights and I stand on them so as a surety I mailed them a " Cease and Desist '' letter on XXXX XXXX, 2023, they continued to harass me, therefor an invoice and a list of violations they committed were mailed to them.
Company Response:
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a attempted arbitration in the matter of LVNV AND XXXX XXXX. In which they have defaulted in the administrative process. No response or delay in not paying fees regarding administrative process hinder resolving the matter.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNC Funding LLC is reporting a charged-off account for XXXX XXXX / XXXX XXXX as a " new '' account opened in XX/XX/2023, on my credit reports. I challenged the information on my credit reports, but LVNV asserts the information is correct, which it is not. I believe the original account is " timed out '' and should not be on my credit report at all.
Company Response:
State: CA
Zip: 95482
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was informed that I owe a company named LVNV Funding. I requested verification of the debt, I requested information regarding a possible charge off of the alleged debt and I requested to know if the collector was licensed in the State of North Carolina. I didn't get an actual verification of said information, just a printout of a statement that I dispute is mine and/or the amount I allegedly owe.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was informed that I owe a company named LVNV Funding. I requested verification of the debt, I requested information regarding a possible charge off of the alleged debt and I requested to know if the collector was licensed in the State of North Carolina. I didn't get an actual verification of said information, just a printout of a statement that I dispute is mine and/or the amount I allegedly owe.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Requesting the debt collectors licensing number before having a constable serve an affidavit for smalls claims court. Need to make sure they are licensed to collect on an alleged debt here in the state of Utah. LVNV is still currently reporting to the major credit bureaus.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been trying for years to resolve this debt with this company. I have sent many letters and calls asking them to provide in FULL detail their claims I owe the amount they are requesting me to pay. This debt is from 2014 and was bought out from another debt collector. I have asked to provide me ALL transactions with my signature of all purchases totaling the amount owed. All they sent were copies of only a few months before default. I am disputing the amount owed to LVNV Funding due to them not proving the TOTAL amount owed and their continued reporting to Credit Bureaus of current monthly status to keeping account open. They have damaged my credit and reputation. I am writing to your office to please help me resolve this clear violation of my consumer rights by LVNV Funding LLC. They are unfairly and inaccurately reporting on my consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt violation, ( Pursuant RegulationF,12 CFR 1006 ) many times with no response. I sent a notice of debt validation ( Pursuant RegulationF,12 CFR 1006, 15 USC 1692 ) as well as cease and desist all forms of communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). LVNV Funding LLC has violated my rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and validation of debt. the law is explicitly clear, and LVNV Funding LLC Debt validation period has ended LONG AGO and they FAILED TO PROVIDE ALL REQUIRED validation information AS PER LAW 12 CFR 1006.34 ( c ) Validation information. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. ALL collection activities on this ALLEGED DEBT that they FAILED TO PROVIDEMUST BE DELETED immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by LVNV Funding LLC reporting the collection and the disputed status on my Consumer report with a DELETION IMMEDIATLY.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A