Date Received: 2023-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXXXXXX and XXXXXXXX was paid and still reports On my credit and negative as well as none of the collections that debitors are collecting are reporting it to credit agencies. Student loan is hurt my credit its 20 plus years old Ive applied to be forgiveness but now even though payments are pause it stated they are late and its hurrkmf my credit I lost my job which was used for my employment and no longer could get into the island during XXXXXXXX XXXX XXXXXXXX is should Be classified kn disstrr snd forgone. Things are duplicate n hurting my credit lease help me
Company Response:
State: SC
Zip: 29488
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed this account with the credit reporting agency in XX/XX/2023. They have yet to place a statement that indicates that account in dispute. It has been exactly XXXXdays. This is a collection account with incomplete and inaccurate data. It states that the date it opened is XX/XX/2023 except no data for either XXXX or subsequent month exists. Also it reports it as a collection as of XXXXXXXX XXXX, XX/XX/2023 according to XXXX consumer report. No payment history. I, never established an account with LVNV, I have requested for documentation evidencing detailed records. They have deceptively contacted me via email using other company names such as " XXXX XXXX XXXX '' which is a clear violation of the FDCPA. They are using false representations of characters, amounts, and legal status of any alleged debt. Please see attached exhibits.
Company Response:
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On or about XX/XX/XXXX I received a letter from Resurgent/LVNV Funding telling me that my credit card account balance with XXXX XXXX XXXX had been turned over to them, and they were demanding payment. I called Resurgent/LVNV Funding wanting to know how they got my name and address to start with, since I did not owe anything to XXXX XXXX XXXX XXXX I explained that the XXXX XXXX XXXX card I had, had been reported lost on or about XXXX or early XX/XX/XXXX. I then requested Resurgent/LVNV Funding provide me with all documentation from the original creditor, XXXX XXXX XXXX XXXX showing where all the disputed transactions were made along with the date and that they were incurred by me. They failed to do so and/or refused. On or about XX/XX/XXXX I received another letter telling me my account had been placed with Resurgent Capital Services and demanding payment. I called and once again explained that the card had been reported lost and that neither XXXX XXXX or Resurgent/LVNV Funding had never provided me with any documentation from the original creditor, XXXX XXXX XXXX , that the disputed charges were even mine and further explaining that I had spoken at length with XXXX XXXX XXXX after I reported the card as being lost and would pay XXXX XXXX XXXX for the charges which I knew I had incurred and in fact I demanded XXXX XXXX XXXX provide me with all documentation showing any and all transactions on the account at the time and XXXX XXXX XXXX failed never responded to my request. Resurgent/LVNV Funding told me they did not have to provide what I requested and informed me I could lose my house or my car if I did not pay them. I then demanded once again they provide me with proof this was my debt and further demanded they cease all communication with me until such time as they provided me with the documentation I requested. LVNV failed or otherwise to refused to provide the documentation requested, and are currently suing me in court on a basis claim further harassing me.
Company Response:
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted LVNV Funding to confirm the amount that was charged off, as I believe that is incorrect. They never confirmed what amount was owed, and how they became responsible for the account.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is 2 different debt collectors reporting the Same debt account ( same credit card company/XXXX XXXX ) on my credit report. I never had 2 of the same credit cards from one company at the same time, but 2 different debt collectors are reporting the same thing on my credit report. I have disputed multiple times and everytime it cones back saying they have the correct information. If it is correct then how do they have the same account. You may call XXXX XXXX XXXX and ask if they give one person 2 of the same credit card with same account numbers. I highly doubt it. This has been ongoing for over a year now and I have been turned down multiple times for personal lones/ business lones and credit cards. I am so stressed and this has caused so much hardship on my end. I really need some help with this or information on how to Sue both these companies.
Company Response:
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV FUNDING LLC has placed a collection account on my credit report without providing debt validation in compliance with 15 USC 1692g ( a ). Attached is a debt validation request. Please be sure to provide all documentary evidence that proves that I owe the alleged debt. This includes any and all original documents with my wet ink signature.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt Collector company Resurgent Capital Services, persists after being told that the account is satisfied. Resurgent Capital Services has no express consent or permissible purpose to contact me about any debt but still sends repeated correspondence constituting identity theft. The account in question is satisfied and has never been proven to be legitimate despite requests for verification/validation.
Company Response:
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, it has come to my attention that XXXX XXXX has included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that RESURGENT/LNVN FUNDING has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my report and found some accounts and inquires I did not authorize
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
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: I have received multiple summons to the court to pay for this debt that I have been disputing for years. I do not owe this debt with the debt collector or the original creditor. The debt is listed on my credit report by 2 companies that share the same website. The police have come to my parents home and to my home. I worry that they will show up at my job. The last document I received was tapped to an address that I no longer reside at however my old roommate notified me of the document and frequent appearances by the police in attempts to serve me.
Company Response:
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A