Date Received: 2023-04-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've recently submitted an offer of performance to Resurgent Capital Services to dispute the Alledged debt for XXXX from the XXXX XXXX XXXX, current owner LVNV funding llc.They 're violating federal laws FDCPA by using false and deceptive practices. I sent notice requiring a validation of debt to the agency resurgent capital services, whereby they replied with a fraudulent notice of a verification of debt which isn't a validation of debt. I respectfully urged them to reply to the validation of debt questionaire which they failed or attempted to deceive me by answering with a verification of debt. A verification of debt is not debt validation by LAW. Furthermore they never received any consent to furnish negative information on my consumer report. I have a right to privacy which they are also violating. This is damaging my character ( defamation ) they will/shall be held liable. I have proof of what they sent.
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've recently submitted an offer of performance to Resurgent Capital Services to dispute the Alledged debt for XXXX from the XXXX XXXX XXXX current owner LVNV funding llc.They 're violating federal laws FDCPA by using false and deceptive practices. I sent notice requiring a validation of debt to the agency resurgent capital services, whereby they replied with a fraudulent notice of a verification of debt which isn't a validation of debt. I respectfully urged them to reply to the validation of debt questionaire which they failed or attempted to deceive me by answering with a verification of debt. A verification of debt is not debt validation by LAW. Furthermore they never received any consent to furnish negative information on my consumer report. I have a right to privacy which they are also violating. This is damaging my character ( defamation ) they will/shall be held liable. I have proof of what they sent.
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 LVNV FUNDING LLC15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: MD
Zip: 21213
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter on XX/XX/2023 in response to the letter that lacks the missing documentation in regards to the ownership to substantiate their claims that LVnV is the current owner of a fictitious allege debt. But no response, i have include the inaccurate information that shows a lot of errors on their part but they seem to be silent about it. specially a rep name XXXX.
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding LLC is calling me about a debt that I had no knowledge of for the amount of {$4200.00} I never opened this card and its put a ding on my credit report. This is not my doing I have no knowledge of what this is Im receiving calls asking me to pay this amount.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Disputed debt. Requested validation, providing 45 days to do so, company failed. Failed to update or remove said debt from all three credit bureaus. Credit bureaus have not removed Violating laws and rights Failed to investigate debt.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV FUNDING C/O RESURGENT CAPITAL, " collection '' agency is reporting an alleged debt on my credit report without my knowledge ( previously ) nor my consent. I have repeatedly demanded validation, disputed, and reported the accounts as Identity Theft to the company and have never received a reply, only continued regular negative reporting. As a result My credit Report is bad because of this one alleged account.
Company Response:
State: KY
Zip: 40004
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Hello my name is XXXX XXXX and this is my second complaint towards lvnv funding after they failed to rectify matters in my first complaint Please see attached
Company Response:
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent is acting as a collector for XXXX internet service. This service was terminated after I purchased a {$300.00} router from them and did not recieve adequate service ( internet never worked and they would never come and fix it ). When purchasing the router, I was told that it would be mine, I would not have to pay the rental fee, but if it were to ever break, I would be responsible for purchasing a new one as it was my owned property. This was over three years ago. The internet never worked, I paid {$80.00} to have them come fix it, still did not work. I canceled and they tried to hit me with early termination and have me return the equipment that I had purchased. I refuse to continue to pay for internet service that was not being delivered or return equipment that I purchased. XXXX turned me to collections. This debt has been handed down to four different collections because none of them can prove that I actually owe a debt, they just keep sending a fraudulent bill. I sent the following letter to each collector, including resurgent. : " Previously I had asked for proof of owed debt to XXXX internet provider. You sent me a bill from which they had charged me, however, those charges are fraudulent as the early termination was due to a lack of service on their end. I am lawfully able to refuse payment for services in which I did not receive. Additionally, they had billed me for the nonreturn for lease equipment, however I had already paid the {$300.00} in full for the modem and XXXX XXXX when they were installed. If you can provide me with a signed copy of a contract stating that I would return the equipment that I had purchased without reimbursement, that would then be sufficient proof.However, a copy of a fraudulent billing statement would not suffice as proof of debt. '' They then told me that I had to prove that I did not owe the debt. I explained to them that the burden of proof was not on me. They continue to send me mail.
Company Response:
State: AR
Zip: 728XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A