Date Received: 2023-04-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2020 I made a payment by check of {$97.00}. I enclosed a copy of the payment. Original creditor : XXXX XXXX owner : LVNV Funding LLC The tradeline reported by : Resurgent Capital Services Can you please remove this potentially negative item off my credit report.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Ive never signed a contract with R/C Resurgent Receivable.They claim I owe them {$390.00} and account number begins with XXXX. I need this account deleted from my consumer report as this is fraudulent.
Company Response:
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The first attachment is the complaint which shows how Resurgent/XXXX failed to explain who they are. They failed to provide proof of licensure within five days as required by CA law. They failed to provide any signed original agreements for either of the debts alleged owed. Their tactics had measurable adverse effects on my XXXX y/o father suffering from XXXX and my elderly mother suffered a XXXX XXXX. They should not be contacting any of my family members in the first place but measurable effects in my opinion are my father 's XXXX advancing including taking his XXXX catheter and dumping his XXXX on himself, eating and smearing his own feces and believing men and women were going to kidnap and execute him because those people were looking for me and they were going to serve papers and come to the door. Not only did Resurgent use tactics which might scare an ordinary person, those same tactics are actually catostrophic for a person experienced XXXX. Not to mention all of this happened while I had Covid multiple times and have long term effects and I also have XXXX XXXX XXXX. Basically their conduct in my opinion made my father suffer emotionally and physically as well as my mom and then I had watch all of this happen and there was nothing I could do. And Resurgent, doesn't even bother to directly address any of my questions directly.
Company Response:
State: CA
Zip: 93003
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached to this company multiple times advising them that a debt they charged off doesn't belong to me. I also asked the credit bureau to investigate they didnt show me any results, they basically cited verified I asked for a copy of the investigation report and I didnt receive one, they also gave me an update within 3 days how can you investigate that fast without proper verification. I asked for the following detail 1. Please provide me with a copy of a signed contract 2. Pay off disclosure 3. Interest rate disclosure 4. Date opened 5. Balance history 6. Payment history 7. Date of last payment
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Debt Collection Agency is attempting legal action for a Debt they have refused to substantiate. I initially received a letter saying they had purchased the debt during the height of the pandemic. I requested a copy of the signed credit application, payment ledger if applicable, balance due at time of default if applicable and they have refused to respond or provide the information in violation of the FCRA.
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX I called a company called Resurgent and spoke with XXXX XXXX ( acct senior rep ) who informed me that I needed to speak with a different department and transferred me, I then spoke with XXXX XXXX whom claimed to be a supervisor in the secured loan servicing department and provided me with the account XXXX for LVNV Funding and said I am in the wrong department and said I needed to speak to a different department again. I was then transferred to another person named XXXX XXXX who confirmed that the company received my fraud dispute on XXXX XXXX from the credit bureaus along with supporting documents which included a police report and FTC complaint, however they couldn't complete my dispute because there was a fraud affidavit missing. I was never informed by LVNV Funding that they needed a fraud affidavit in order to process my request of Identity theft, although XXXX XXXX made herself personally responsible to send me a fraud affidavit on XX/XX/XXXX I am requesting this matter gets looked into deeper for violations of Federal law 15 U.S. Code 1681N - civil liability for willful noncompliance. I have made several attempts to have this matter resolved with LVNV funding and XXXX however have been unsuccessful. LVNV Funding is reporting invalidated fraudulent information to the credit bureaus and said action might constitute fraud under both Federal and State laws. Due to this fact this is my final attempt to have this matter resolved prior to contacting the National Association of Attorney General and seeking legal action. Attached I am sending a copy of my valid police report and case number along with the FTC complaint that I have already filed.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am filing this complaint against RESURGENT CAPITAL SERVICES who is affiliated with LVNV FUNDING LLC for violations of the FDCPA
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I want LVNV Funding to validate this accountg they are reporting on my credit report!
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls at all hours of the day and night.
Company Response:
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Approximately 4 weeks ago I realized some erroneous/ derogatory information was being reflected on my credit reports. I first called to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. These accounts do not belong to me and I never opened or applied for credit with these companies/ banks. Was it done in-store or online? Is there a photo id or signature verification? What City and State did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? I had a primary residence for 15 years ( XXXX to XXXX ) ; then lived at a friend 's house for XXXX XXXX ; and have been at my current address since XXXX ( XXXX XXXX ). This can be substantiated with change of address status thru USPS as well as filed tax returns. I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop, order or conduct business with these companies/ banks. Those falsely reporting against me are : XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A