Date Received: 2023-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
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: I wrote them asking them to verify the the account and I was told that the account was verified but I wasn't shown any proof of verification credit reporting act, 15, USC & 1681 ( a ) ( 4 ) states that information is to be verified with in the 30 days time frame and if this info is not verified it has to be removed LVNV funding made no attempt to resolve this matter the account # XXXX {$460.00} do not belong to me I have disputed these accounts with the credit bureaus XXXX XXXX XXXX {$90.00} do not belong to me also the accounts are in collections and still show a belance and still show open the dates are also wrong also XXXX XXXX XXXX {$190.00} is also a fraudulent account and I asked for verification and was never shown any verification with my signature on it these accounts are stopping me from getting a house these accounts where opened or paid on while I was XXXX and need to be removed
Company Response:
State: TX
Zip: 76012
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The company has also received my information illegally and without my consent. I have no contract with them
Company Response:
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: For the past year I have been sending LVNV FUNDING LLC, XXXX, XXXX CERTIFIED LETTERS ASKING FOR MY DEBT TO VALIDATED THEY HAVE FAILED TO CORRECTLY VALIDATE ACCOUNT. I ASKED FOR A COPY OF THE ORGINAL CONTRACT IN WHICH THEY REFUSED TO PROVIDE. I AM EXHAUSTED AT THIS POINT. MY FIRST LETTER TO THEM WAS XX/XX/22 SECOND WAS XX/XX/22 AND MY 3RD AND FINAL ATTEMPT WAS IN XX/XX/22 I ALSO SENT CERTIFIED LETTERS TO THE ACTUAL COLLECTION AGENCY AND THEY ALSO DISREGARDED MY REQUEST FOR VALIDATION.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I have XXXX which I get XXXX my first credit one was my first XXXX XXXX card .I was young at the time didnt even know how to use one .but wasnt working and only had my XXXX check which Im still on to this year. I need forgiveness and its been a few years I feel like I deserve another chance to better be credit.
Company Response:
State: MA
Zip: 02118
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The XXXX XXXX is a debit collector being used to harass past customers of XXXX XXXX and LVNV Funding LLC. In 2022 I returned the parts from the satellite internet provider XXXX XXXX and closed my account and have the XXXX receipt to prove it ( attached ) and have tried in vain to get XXXX to leave me alone. They did for about a year and now all of sudden my credit score is reduced and a collection agency XXXX is now texting me and emailing me for no reason. I have informed XXXX I would be filing this complaint and XXXX appears to be running a scam on past customers that have retuned parts but they can not locate on their end. The XXXX receipt has been provided to them numerous times and this is getting ridiculous.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 I received a letter from XXXX XXXX stating they had won a lawsuit in court against me. I dont have any credit cards. XXXX XXXX XXXX. My mom went online and got a copy of my credit report and there were several things on there I never signed up for, the following is on my credit report that I never had knowledge of : 1. XXXX XXXX 2. XXXX XXXX XXXX. 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX
Company Response:
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Lvnv funding is saying i opened up a account with them on XX/XX/2022 XXXXI DIDNT open a account with this company. They purchased this account as a charged off account with XXXX XXXX XXXX. My question is how is this possible? this is fraud putting on my credit report that i have a open account and it was a charge off. LVNV FUNDING XXXX ( XXXX ) XXXX
Company Response:
State: IL
Zip: 61832
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX XXXX XXXX, I logged on to XXXX to access my credit report ( for the first time ) and noticed that Resurgent Capital Services was reporting account # XXXX is being as being in collections. This is not my debt. I never created this debt, opened an account, or signed an agreement to pay this account. I do not owe Resurgent Capital Services/ LVNV Funding any money. In an effort to get this resolved, I sent a debt validation letter ( included below as " Copy of Debt Validation Request.pdf '' to Resurgent Capital Services on XXXX XXXX, XXXX ( copy of certified mail receipt included as " Certified Mail Receipt.jpeg ''. ) In the letter, I requested the Resurgent Capital Services provide me with competent evidence that I owed them money, including : Agreement with their client that grants them the authority to collect on this debt. An agreement bearing the signature of myself wherein I agreed to pay this account. Address on file for alleged debtor. Amount of alleged debt. Alleged account number. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold Resurgent Capital Services. Complete accounting of alleged debt. Any judgements obtained by any creditor regarding this account. Proof that they are licensed in Pennsylvania to pursue this debt According to XXXX, they received this request on XXXX XXXX, XXXX ( XXXX XXXX XXXX. ) On XXXX XXXX, XXXX, I received two letters in the mail from them. The first included a brief letter ( resurgent capital letter received 2 27.jpeg ) and and their alleged records that show an account that I never opened or had ( Resurgent Capital Alleged Record 2 27.jpeg. ) The second letter included a judgement that was filed against on behalf of LVNV Funding LLC on XX/XX/XXXXXXXX. Resurgent Capital was unable to furnish me with the bulk of what I requested, including an agreement bearing the signature of myself wherein I agreed to pay this alleged account, proof that they are licensed in Pennsylvania to pursue the debt, or an agreement with the alleged creditor that granted them authority to collect this alleged debt. Therefore, they failed to sufficiently validate this alleged debt. As of this month Resurgent Capital Services is continuing to falsely report to the credit bureaus that I owe them money.
Company Response:
State: PA
Zip: 15642
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I do not know why LVNV Funding is reporting as an open collection on my XXXX, XXXX, and XXXX credit reports. There are two different accounts that are listed under LVNV Funding and they reported that they are a debt buyer that is reporting. They can not do that. I Received no correspondence of owing a debt when these accounts were paid off and closed. I looked up some information to contact them directly only to find out that they are not licensed to collect in my residential state of Michigan. Please delete the following accounts from my XXXX, XXXX, and XXXX reports for improper use and inaccurate reporting please : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX. ) - Account # XXXX
Company Response:
State: MI
Zip: 48091
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A