Date Received: 2023-04-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I sent the collection agency XXXX XXXX a cease and Desist letter which included the law ( 15usc 1692c ) on XX/XX/2023. I received communication back that they received the communication on XX/XX/2023. But yet I am still receiving communication from XXXX XXXX. I spoke to a representative on today at XX/XX/2023 at XXXX XXXX who verified they received the communication on XX/XX/2023. Also she updated the system. I also spoke with the original owner of this account lvnv Funding regarding this matter and they supposedly submitted a complaint up stated this action is unacceptable. I spoke to 2 nice representative regarding this unacceptable matter. They texted on XXXX XXXX, XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; and XX/XX/XXXX XXXX via text. Also XX/XX/XXXX via email. This is willful non compliance ( 15 usc 1681n ). They are harassing me and I'm stressed out this is causing emotional stress. This is real ridiculous and inconsiderate of this company and I think this needs to be handled accordingly.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have asked for information to show that I sign papers for service.
Company Response:
State: SC
Zip: 29360
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: First let me state that I my information has been compromised by OPM Data Breach as well as XXXX Data Breach. I noticed a recent charge on my credit report initially from Resurgent, dba LVNV. Per CFPB Validation Notice Letter, a precise request, following CFPB guidelines, on XXXX XX/XX/XXXXXXXX to LVNV. Per CFBP Debt collection rules and Debt collection rights ; LVNV failed to follow CFPB guidelines and comply with FCRA and FDCPA " VALIDATION '' per the letters request, within the 30-day guideline XXXX XXXX ). The company, Resurgent sent a noncompliant response, dated XXXX XXXX XXXX providing an " enclosed account summary which provides " verification of debt, '' NOT VALIDATION ( see attached ), not in compliance with FCRA nor FDCPA. LVNV/Resurgent failed to VALIDATE within the 30-day deadline. In addition to violating FCRA and FDCPA, LVNV/Resurgent requested " contact one of their Customer Service Representative . '' A debt Validation Notice was sent via certified mail to LVNV On XXXX XXXX XXXX, which Resurgent acknowledged receiving ( see attachment ) a copy of the letter on XXXX XXXX XXXX ; per certified documentation. However, LVNV in their written communication responded as Resurgent Capital Services & but are reporting to credit bureau as LVNV. It appears that this company is practicing unscrupulous monopolizing practices and is unable to decide if they are LVNV or Resurgent Capital Services ; either way, it is illegal to report the same debt ( double dip ) as two separate companies. It's called " monopolization '' and under FTC regulations, it is violating 9-28.000 it's illegal. As such, I've also filed a complaint with DOJ with their documentation as well regarding debt reporting as two separate companies ; i.e. sending correspondences as Resurgent and reporting to credit bureau as LVNV on my credit report. Again, Resurgent Capital/LVNV failed to comply with CFPB guidelines, FCRA nor FDCPA, Validation Notice Letter as set forth by US Congress . Either way, LVNV/Resurgent failed to comply with the 30-day regulation by failing to validate the debt ( see attached Validation Notice Letter sent ) ; as such, failure to comply requires that Resurgent/LVNV must immediately remove/stop negatively reporting to all 3 credit bureaus. Additionally, I had accounts with XXXX XXXX ( XXXX XXXX ) & paid my debt. I also called XXXX and spoke with a representative that stated I 'did not have an account that I owed at XXXX . ' When I asked if she could send me an email confirming it ; she stated I 'did n't need one b/c I didn't owe anything. ' I know the company records their messages and can listen to the message.
Company Response:
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is trying to collect a 15 year old debt that they purchased. I have never had any dealings with them, or made any paymentarrangements. I dont owe them any money.
Company Response:
State: OK
Zip: 743XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. The fraudulent accounts are LVNV Funding {$14000.00}, LVNV Funding {$1100.00}, LVNV Funding {$440.00}, XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. Fraudulent Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV has deleted the two collection accounts and canceled the payment arrangements I made. I never made any such request to cancel the arrangements. Lvnv is still reporting these two accounts to my credit file. They continue to lie about this to try and make me out to be the liar. When I was sent two e-mails when lvnv canceled the payment arrangements and they closed the two collection accounts and sent them back to the creditor. They have no right to continue to report these two on my credit report. If they cancelled my payment arrangements,
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV FUNDING LLC IS IN VIOLATION, UNDER NMLS CONSUMER ACCES THEY HAVE STATE LICENSES/ REGISTRATION TO BE OPERATING IN THE STATE OF XXXX. THEY ARE REPORTING FALSE INFORMATION ON MY CREDIT REPORT IN REGARDS TO HIPPA FILES I GAVE NO CONSENT TO USE FOR PUBLIC INFORMATION.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Resurgent Corporation and LVNV Funding LLC have threatened and harassed me multiple times regarding a debt they state that I owe for XXXX XXXX which I do not. At NO POINT have I ever had an account with RESURGENT OR LVNV but they have placed THREE NEGATIVE ACCOUNTS ON MY XXXX, XXXX and XXXX credit reports causing significant damage to my credit score and effecting my personal life. I have been harrassed and this experience has caused XXXX XXXX to the point that I have been forced to take XXXX XXXX as well as I am now seeking legal help for the harassment from them. I have requested multiple documented times to receive official signed original copies of ALL contracts stating I agreed to pay the debts they are stating I owe as well as proof that they are licensed to collect debts in the state of Michigan and to no avail I have received no authentic original signed proof on there end that I owe any debt. My next step is to file a suit with 36th district court.
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: During yearly credit check on XX/XX/2023 I noticed a collection account that was just added to the report from Resurgent Capital Service LP, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX after contacting the company they asked my name and social and after a few minutes into conversation the representative said they are part of federal agency and I need to make arrangement to pay the {$1300.00} or they would send it to the local sheriff department. I told them that account is not my account and send them 3 picture government issued ID and sent it to above mentioned address with signature required registered mail, after they received my ID they responded with a letter to my home that shows they have corrected the address on their file to my current address that I gave them on the phone, I contacted them again and they refuse to acknowledge to have received my registered mail but my receipt back from post office shows a person name " XXXX XXXX '' have signed on behalf of the Resurgent Capital, and they should have everything to help them correct this. I also contacted Secretary Of State and got their Registered Agent name and address and have not filed suit yet, I'm trying to get this resolved befor I take to court.
Company Response:
State: TN
Zip: 37055
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account. The amount seems inaccurate as well.
Company Response:
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A