Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Company Response:
State: OH
Zip: 43231
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2023 received notification from credit monitoring agency that a new collection in the amount of XXXX to Resurgenct Capital Services. The amount owed to XXXX was submitted and paid on the same day. I have also sent an email to the company requesting they review as payment was made to XXXX not the collection agency. I also requested that the debt be removed from the credit report because it is now showing as inaccurate as the account has been paid and closed per creditor.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX, XXXX my information was used to open a credit card with XXXXXXXX XXXX XXXX. The amount was {$2800.00}. I never received a card nor was aware of this debt until XXXX of this year when I looked at XXXX and saw that I had a past due collection report for this amount. I have disputed this with all credit bureaus and the FTC. I continually check but it remains as a collection account with LVNV Funding LLC. I have attempted to speak to XXXX and XXXX but to no avail. I have also had my lawyer contact the parties involved but the fraudulent charges remain in collection with LVNV.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is the second company attempting to collect from an account paid in full from XXXX XXXX. Debt was paid in XXXX. This could have easily been verified by looking at my credit file. Companies buying old debt and NOT verifying if its paid should be illegal. As they are illegally attempting to collect something that has already been paid, thus committing financial fraud.
Company Response:
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The following debt does not belong to me. I have never opened an account with this company in XXXX of 2022. It has been ruining my advances in life with this negative credit report and Im requesting immediate removal from my credit report.
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2023, Resurgent Capital Services L.P responded to the original complaint on this alleged debt. Resurgent stated : " Resurgent does not condone harassment or unprofessional communication with customers, as it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the Account, we found no evidence of the mishandlings alleged in the inquiry. '' They stated it's their goal, not that they dont make mistakes regarding compliance with federal laws ( FDPCA ) and regulations. Let me be clear Resurgent sent my father an email regarding hearsay information on this alleged debt. Also, may I point out this was before I received the 1692G letter on this alleged debt in the mail. Resurgent Capital Services L.P and LVNV Funding LLC are violating federal law. It clearly states this is a violation under 15 U.S. Code 1692C ( B ). Resurgent clearly states in their privacy notice that they do not share information with third parties. Resurgent & LVNV Funding LLC is clearly violating their own privacy notice regarding federal law. I demand Resurgent to explain their investigation process. I demand Resurgent and LVNV Funding LLC to close this account within their offices, I demand Resurgent & LVNV Funding LLC to cease collection activity on this alleged debt, and Resurgent & LVNV Funding LLC shall not report to any credit agencies. If Resurgent and LVNV Funding LLC does not comply with the information above I will fully enforce 15 U.S. Code 1692k. I will not be harassed, my family will not be harassed, and I will not do business with either Resurgent or LVNV Funding LLC that I did not consent to on an alleged debt.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am so displeased with the way my information was used by XXXX XXXX. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times. I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: When I closed my XXXX XXXX Bank account # XXXX, my balance was under {$200.00} and my limit was {$300.00}, they have now sold the account to LVNV Funding LLC account # XXXX showing a diffrerent amount of {$880.00} and a different account #, I have tried resolving this account with them and the credit bureaus but no one seems to be able to help me clear up this rip off collection company.
Company Response:
State: CA
Zip: 90680
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX and I am submitting this myself with no third party involved. I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THESE ARE DUPLICATE ACCOUNTS. 15 U.S. Code 1692e. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), Sept. 30, 1996, 110 Stat. 3009425. )
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent 3 separate verification letters to asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A