Date Received: 2023-06-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Collections LVNV Funding LLC Type of Account Debt Buyer Date Opened XX/XX/2022 Amount {$390.00}
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action. I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored. My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt. As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt. Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action. I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored. My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt. As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt. Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have an incorrect debt that has been reporting on my credit report for over a year that was paid by credit card insurance. Although the debit was paid it is reporting as not paid and the original creditor ( FingerHut ) sold it to another company ( Resurgent ). I have contacted both companies several times and submitted proof and the issue is still not resolved. It has impacted my credit and lifestyle as I have had to pay high percentage fees because of my credit score and not qualified for credit cards or loans. I have submitted proof to the creditors as well as the credit bureaus multiple times. None of which took any action to remove the fraudulent report. I would like to move forward with a complaint and legal action as well as to be compensated for the suffering of the fraudulent misrepresentation on my credit reports.
Company Response:
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company has been reporting on all 3 credit reports an account I'm unfamiliar with dating back to XXXX, they added a bogus address to my credit report from a different state I've never lived in I contacted the credit bureaus who said the address was added by the collection agengy and its fraud if I've never lived in a different state I've uploaded proof of address and license to all credit bureaus. They also changed ny DOB from XXXX to XXXX which was disputed by XXXX by providing proof of my license and passport. After disputing the illegal address this company is now changing the balance on this bogus account started to increase by {$1.00} now they increased this old account by {$5.00} which is destroying by XXXX score. I'm a XXXX XXXX who pays all my bills on time and have only lived in NY my whole life, I have never lived in NJ as this company has added this bogus address it is illegal for me to live out of state and be a XXXX XXXX. I see this company is involved with several class action lawsuits for similar occurances please help me and get this fraudulent collection agency from doing illegal credit reporting
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Resurgent Capital Services is saying i woe them a debt. that they have bought from another company. I have no contract with this company. they have sent me litters for debt which is illegal 39 U.S.C 3001 nonmailable act. which is illegal to send a debt through the mail. I never signed any agreement or contract with Resurgent Capital Services. who has claimed to buy the debt from another company. this is a debt collection company I do not owe any debt to.
Company Response:
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services is attempting to collect a debt on behalf of XXXX XXXX XXXX. which sold the contract or debt to their company. I owe Resurgent no debt and we do not have a contract or an agreement. also they are reporting on my credit report i owe the debt to them. this is illegal and fraud activity by Resurgent Capital Services.
Company Response:
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reported FRAUD numerous times to the companies that are reporting negative results to the credit bureaus. They are refusing to remove ALL these negative collections from my credit report.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I do not have any knowledge of this company this is my XXXX attempt!!! They have not provided the information that I requested previously!!!!! I want compensation from this company for fcra violation these accounts are being reported fraudulently!! The account is being reported XXXX times which is damaging my score I am near homeless!!!! Final attempt
Company Response:
State: OH
Zip: 43119
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious LVNV FUNDING LLC Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Company Response:
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A