Date Received: 2023-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of XXXX and financial exploitation of a XXXX XXXX and several accounts were opened in my name while I was XXXX Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX of a XXXX individual as documented in APS reports. I have had to flee XXXX miles with my XXXX XXXX and these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Company Response:
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom it may concern : Be advised this is not a refusal to pay, but a notice that this claim is disputed, and validation is requested. Under the Fair Debt collection Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe LVNV FUNDING LLC. I am requesting proof that I am indeed the party you are asking to pay this debt, {$130.00} and there is some contractual obligation that is binding on me to pay this debt to LVNV FUNDING LLC. This is NOT a request for verification or proof of my mailing address. This is a request for VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) of the FDCPA, Validation of Debts. I respectfully request that LVNV Funding LLC provide me with competent evidence that I have any legal obligation to pay. Second, FDCPA15 U.S. Code 1692c ( a ), Communication in connection with debt collection, states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given LVNV Funding LLC the above written consent to contact me in connection with the collection of any debt. I do not have signed contract with LVNV Funding LLC and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize LVNV Funding LLC to have access to my personal information. This information collected by LVNV Funding LLC is a gross and tortious effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this alleged debt. Specifically, there does not exist a written contract signed by both parties and me as specified in the XXXX of XXXX creating a contract that obliges me to LVNV Funding LLC. I request LVNV Funding LLC provide a signed contract between me and LVNV Funding LLC regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove all items totaling {$130.00} from credit reporting agencies, XXXX, XXXX and XXXX
Company Response:
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently pulled a copy of my consumer report and noticed that there was an account with LVNV. I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me. As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy. In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV XXXX knows I am an identity theft victim, They have repeatedly readied fraudulent debt to my XXXX credit report. I have had all my consumer rights violated repeatedly by this company.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: BLOCK THESE IMMEDIATELY
Company Response:
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Today, XX/XX/2023, I received an alert from XXXX that my XXXX XXXX had changed. After receiving this report, I investigated this matter further and found that my XXXX XXXX had dropped XXXX points. In addition, I found on my credit report that LVNV FUNDING LLC had flagged an account for Collections on XX/XX/2023. I was totally unaware of who this company was, as I have not received ANY communication from LVNV Funding, XXXX whatsoever, prior to today. The account name XXXX provided upon their website when I considered filing a dispute was " RESURGENT/LVNV FUNDING ''. From my research, LNVN is owned by XXXX XXXX XXXX, XXXX. Upon researching the Consumer Financial Protection Bureau ( CFPB ) web site, it came to my attention that before a debt collection agency can report to a credit bureau, the company must, and I quote from your web site " The XXXX debt collection rule requires debt XXXX to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. '' I have NOT received any validation notice from LVNV Funding, XXXX or XXXX XXXX XXXX, XXXX prior to them reporting it to XXXX, and possibly other credit bureaus.
Company Response:
State: SC
Zip: 29640
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Today, XX/XX/2023, I received an alert from XXXX that my XXXX XXXX had changed. After receiving this report, I investigated this matter further and found that my XXXX XXXX had dropped XXXX points. In addition, I found on my credit report that LVNV FUNDING LLC had flagged an account for Collections on XX/XX/2023. I was totally unaware of who this company was, as I have not received ANY communication from LVNV Funding, XXXX whatsoever, prior to today. The account name XXXX provided upon their website when I considered filing a dispute was " XXXX XXXX ''. From my research, XXXX is owned by Resurgent Capital Services, XXXX. Upon researching the Consumer Financial Protection Bureau ( CFPB ) web site, it came to my attention that before a debt collection agency can report to a credit bureau, the company must, and I quote from your web site " The XXXX debt collection rule requires debt XXXX to take certain steps before reporting a debt to a credit reporting company. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company, provided they follow other laws about credit reporting. '' I have NOT received any validation notice from LVNV Funding, XXXX or Resurgent Capital Services, XXXX prior to them reporting it to XXXX, and possibly other credit bureaus.
Company Response:
State: SC
Zip: 29640
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent 609 letters to company requesting proof of debt and there has been no response.
Company Response:
State: MI
Zip: 48088
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company put a credit card on my credit report a charge off and sold it to a collection agency. This company goes by XXXX difference names and putting them on my credit report. XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX access card XXXX. XXXX they sold it to Resurgent Acquisitions LLC and LVNV Funding and all are on my credit report. IMPROPER USE OF REPORT
Company Response:
State: TN
Zip: 38133
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to express my ongoing concern about the disputed debt referenced in CFPB Case # : XXXX ( Upload response letter from Dept Collector on the original case I was not able to respond back to ). Despite my repeated requests, I feel that the debt validation provided by Resurgent Capital Services on behalf of LVNV Funding LLC has been insufficient and not in alignment with my rights under the Fair Debt Collection Practices Act ( FDCPA ). While I acknowledge the documents they have provided so far, I must reiterate that these alone do not adequately validate the debt in question. XXXX credit statements, Resurgent letters, and an account summary from Resurgent Capital Services, without the original credit agreement bearing my signature or detailed account statements from XXXX XXXX, do not provide the necessary evidence to confirm this debt as mine. In addition, the Transfer and Assignment document, though it points to a transaction between Resurgent Acquisitions LLC and LVNV Funding LLC, lacks specific information about my individual account. Without the attached Exhibit A or evidence showing a clear chain of assignment from XXXX XXXX to LVNV Funding LLC, it is not possible to affirmatively link this debt to me. It is not my intent to avoid a legitimate debt ; however, I must insist on exercising my rights to ensure that this debt is indeed mine before taking any further steps. Therefore, I am again asking LVNV Funding LLC and Resurgent Capital Services to provide a thorough validation of this debt, specifically : 1. The original credit agreement from XXXX XXXX that bears my signature. 2. Detailed account statements from XXXX XXXX showing the progression of the debt. 3. A copy of Exhibit A, which lists my specific account as part of the transferred assets. 4. Proof of each assignment of this debt from the original creditor to the current debt holder. I firmly believe it is inappropriate for this disputed debt to continue being reported to credit bureaus before it is fully validated. I kindly request that this process be expedited to resolve this issue. Thank you for your immediate attention to this matter. I await your response. Sincerely, XXXX XXXX
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A