Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am reaching out to address an urgent matter within your department that requires prompt resolution. My records indicate that your agency has placed the account associated with XXXXXXXX XXXX into Collection. I am seeking clarification on the validity of this debt and kindly request that you comply with the necessary requirements outlined on my letter.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX 2021, amount of XXXX to collect is Not accurate on my credit report. *I had called the company was told I had a lawsuit on me to pay the debt and that amount is not right! * So the rep told me to email for correspondence an I have gotten no reply back
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company has a bill with the wrong address. And they say, this was a correspondence over time. With the wrong address? This shows the bill is made up my address is XXXX XXXX, all the bills say XXXX XXXX. Also, I loved to XXXX XXXX in XX/XX/2018, they have bills addresses XXXX XXXX. I was living at a previous address until XX/XX/2018. This shows, the bill is not authentic.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX EST, I received a voicemail from Resurgent Capital Services in which they directly identified themselves as a debt collection company. They also left information which directly stated that they had not received payment from me. Additionally, the voicemail was left by a robot. Similar voicemails were left on XX/XX/XXXX and XX/XX/XXXX.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: So this is a weird one. It's been a while since I checked my credit report. I see XXXX LVNV Funding LLC accounts on my report. Now for some reason I have been making payments to them, but never really understood for what. As I started to dig deeper I realize that these accounts they are collecting for I never did open them. So I've been paying on accounts that I didn't even open. I probably should have paid better attention to them. Anyways, again I did not open these accounts.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: LVNV FUNDING LLC deceptively never made me aware of the option to opt out of them reporting to my XXXX credit report. A charge-off is a certificate of indebtedness which means it's income and must be removed, since it's illegal to report transaction history. I am now opting out as a federally protected consumer per 15 usc 6802 and 16 CFR 313.4 and 313.7 in which I was never given a notice.
Company Response:
State: OH
Zip: 45042
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: CFPB - XXXX I haven't been provided proof of a signed agreement and itemized transactions comprising the above debt. Only summary statements that aren't proof of the debt belong to me, especially since I've been subject to identity theft. I've asked for this to be provided many times, but there has been no resolution. So, before filing suit, I will attempt to ask one more time for those items, proving that this debt wasn't caused by my identity theft reported, as indicated in previous communications. South Carolina will require this information to be provided to my legal council as part of discovery.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company called Resurgent Debt Collector that I have never done business with ever. You have no right having a hold of my private information accordingly to 1974 privacy act I have a right to privacy. Please remove account immediately I owe nothing. Please provide me with a 1099c so I can report this on my taxes otherwise remove account immediately.
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: My name is XXXX. My original creditor was XXXX XXXX XXXX. A third party collection agency LVNV funding LLC purchased old Inaccurate fraudulent debt from XXXX XXXX XXXX which is illegal to do. I knew nothing of LVNV funding. They never reached out to me prior to this. And to make matters worse they have now threatened and sued me for Debt that is inaccurate. I tried to contact there office and no one has gotten back to me to look into this matter. Im very upset about this because no one should have to pay a debt that is inaccurate. I do not consent to paying a third party collection agency that has inaccurate data on my old past debt. I also do not appreciate LVNV Funding LLC threats of suing me. I have never been sued a day in my life and I try to live my life in a very respectful / honest way. LVNV LLC does not operate in a honest way. They are money hungry -third party collection agencies trying to make a quick dollar by suing innocent people. LVNV does not deserve to be operating as a third party collection agency. They need to stop harassing innocent American people. Enough is enough! LVNV funding LLC license number is XXXX They are Suing me in the amount of {$1900.00}
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reached out to LVNV Funding LLC regarding a debt collection appearing on my credit report totaling {$810.00}, a matter I had previously disputed. During our conversation, the collector disclosed someone else 's personal information, including an incorrect phone number. Initially, I was informed of an outstanding debt on a XXXX XXXX credit card ( dated XX/XX/XXXX ) amounting to {$2100.00}. To verify this claim, they provided me with another person 's phone number. Having contested this account, I am now alarmed by the potential privacy violations and breaches of consumer protection laws stemming from this error. I possess a personal recording of the call as evidence. This communication transpired on XX/XX/XXXX at approximately XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 08857
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A