Date Received: 2023-04-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received mail from Resugent Capital Services dated XX/XX/XXXX on debt for XXXX XXXX XXXX. Ref # XXXX. The original debt is from XXXX. Due to the amount of time, this needs to be deleted and off all credit reports immediately.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter dated XX/XX/XXXX from Resugent Capital Services trying to collect debt for LNNV Funding LLC on a debt from XXXX. This debt is more than 10 years old and should be deleted from all credit bureaus immediately.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: These companies are using false deceptive unconscionable and misleading means in collection of a debt. Resurgent, LVNV Funding LLC, & XXXX XXXX are all consistently harassing me about a debt that does not belong to me nor has been properly validated. I have asked them to CEASE & Desist all communication on ALL mediums including to any non-affiliated third parties in collection to this alleged debt. Verify the debt provide validation and proof that I am LEGALLY OBLIGATED to pay them. Provide evidence for their authorization under the Fair Debt Collection Practice Act in this alleged matter. They have not. There is no agreement. I am declining any attempts by any other collection agencies in regard to this matter. Stop harassing me!!
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Collection account from LVNV FUNDING with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Company Response:
State: NY
Zip: 14621
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: A collection account has been added to my credit profile by LVNV FUNDING LLC. XXXX discharged this Debt. I am also paying the original Debt to the XXXX XXXX XXXX. This Debt had no right to be sold. I became disabled when I had this account and informed XXXX that I was enrolling in XXXX XXXX XXXX in XXXX because I could not work. I have seen this Debt three different times.
Company Response:
State: CO
Zip: 80120
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: After an initial agreement to pay on XXXX I contacted to company to arrange to automatically withdraw a set amount. They failed to collect so I reached out once again to make sure they were automatically charging my account monthly. I was assured I was set to pay automatically and told my first payment was processing. I never received a charge to my account and no attempts to contact me were made. Yesterday ( XXXX ), in an address that is mistakenly connected to me, my father received mail that revealed debt information and that they were proceeding with a XXXX. XXXX. against me.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To Whom It May Concern, I am writing this letter to dispute a alleged collection that has been reported on my credit report as of XX/XX/2023 without proper notification as required by the Fair Credit Reporting Act ( FCRA ). The collection in question is XXXX XXXX XXXX XXXX, and it is listed on my credit report under account number XXXX ( first XXXX ). I am disputing this collection because I was not notified by LVNV Funding LLC that I had a debt in collections before it was added to my credit report. According to the FCRA, collection agencies are required to notify consumers of a debt in collections before reporting it to a credit bureau. However, I did not receive any notification from LVNV Funding regarding the debt in question. I am requesting that you investigate this matter and remove this collection from my credit report. I also request that [ insert name of collection agency ] be held accountable for not following proper notification procedures as outlined by the FCRA. Thank you for your time and attention to this matter. Please let me know if you require any additional information to assist in your investigation. Sincerely, XXXX XXXX
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640. As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by LVNV FUNDING. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations. Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently checked my credit and seen LVNV FFUNDING LLC reporting 2 collections on my credit report one for {$750.00} an another one for {$2000.00}. I dont know this company or never did business with this company. This company doesnt have any contract or written signature of mine.
Company Response:
State: IL
Zip: 60914
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A