Date Received: 2023-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The credit card was never mine and I never had a XXXX credit card. I contacted them years ago and thought it was cleared up now LVNV FUNDING LLC has reopened this to the credit agency years later and has reported it opened in XXXX that is also incorrect.
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They send me emails every day now that they can only call every 8 days they will send to attorney. They send emails with things like your future is inevitable pre legal track
Company Response:
State: IN
Zip: 46038
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Letter from Resurgent saying an original XXXX XXXX, XXXX, and current owner LVNV Funding LLC, are trying to collect a debt of XXXX. I am not familiar with any of these companies or this debt. They letter was also address to my Maiden name which I have not used in 19 years.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX put 2 debts on my credit report that were not mine. The accounts had been placed on my account back in XXXX and still on my credit report to this day. When I actually started to dispute the items, the name on both accounts were not mine. Our names were simular, ( my name, XXXX XXXX XXXX ), ( her name, XXXX XXXX ), I found out later that XXXX sold the account to Resurgent. So, I contacted them over and over about the situation. I disputed over and over again with resurgent. Once I laid out the foot work as to how the accounts suddenly appeared on credit report, Resurgent LOCKED ME OUT OF MY COLLECTION ACCOUNT. But, before they did, I wrote down the individual 's information. I immediately wrote to the individual to make her aware of the circumstance.I told her that she needs to rectify the situation or I will be reporting the incident to the police, ( which I did because she never replied ). I again tried to get into the acccount with Resurgent, they still had me locked out. So I told them of the steps that I was taking due to the fact, that they had ruined my credit since XXXX and that I will be suing them.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX and Complaint against XXXX, Resurgent Acquisition, LLC, LVNV Funding, LLC and Resurgent Capital Services LLC On XX/XX/XXXX XXXX XXXX submitted a computer-generated respond to my injury regarding illegal collection of not validated " debt '' where XXXX posed as " original creditor '' for account ending XXXX and LVNV Funding, LLC posed as a current " creditor '' According to XXXX, my alleged loan was originated on XX/XX/XXXX, but XXXX was not able to provide me a copy of my Agreement to pay them, as recorded on their books and records. I demand XXXX to disclose if the loan account receivable was created for my transaction and my payments were deposited on this account receivable, along with a copy of the ledger for this account receivable to verify my payments. Billing statements are not the ledger and are coming from undisclosed to me XXXX XXXX. Furthermore, XXXX said that my alleged " loan '' was sold to Resurgent Acquisitions, LLC. I demand XXXX to disclose when my loan was sold to Resurgent, where this transaction took place, the names of individuals who conducted this sale ; and proof of payment for my loan received by XXXX, such as copy of wire transfer receipt, ACH or cancelled check. I demand Resurgent Acquisitions, LLC provide me proof of payment made for my loan, sch as copy of wire transfer receipt, ACH or cancelled check, and the name of an individual officer of Resurgent who facilitated this purchase, when and where. I further demand a copy of the account receivable ledger for my alleged loan from Resurgent Acquisitions On XX/XX/XXXX Resurgent Capital Services, LP submitted computer-generated respond where they claimed that the current owner of my alleged loan is LVNV Funding, LLC and Resurgent Capital Services , LP is the Servicer of the Account. This respond contradicts with XXXX 's letter where XXXX said that my loan was sold to Resurgent Acquisitions, LLC., not to LVNV Funding, LLC. Its unclear to me how LVNV became my creditor and whose account is serviced by Resurgent Capital Services, LP I demand LVNV to provide me validation how LVNV became my Creditor ( and never informed me about it ), and documents in support of their right to file a Claim in my bankruptcy case to collect from me.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX XX/XX/XXXX as well as XX/XX/XXXX I contacted all 3 credit bureaus in regards to fraudulent accounts on my credit reports. I also contacted XXXX XXXX XXXXXXXX about the {$4500.00} on my credit in XX/XX/XXXX and was told there were no accounts in my name or under my social. I never signed anything for this account. LVNV funding in the amount of {$20000.00} was not opened by me and I never signed for this account. I tried reaching someone about this but no response received. XXXX account {$510.00} was not opened by me. I filed a dispute for this account XX/XX/XXXX. My identity and social security card was stolen.
Company Response:
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I requested that LVNV Funding, LLC/Resugent Capital Services validate the debt. This company did not provide any validation that the debt belongs to me. I requested the contract bearing my signature indicating that the debt belongs to me. A BILL and/or Bills is not a contract and doesn't provide my liability. In fact, anyone having stolen my identity could apply for an account and bills can be generated. This company is in violation of the FCRA reporting standards. I've asked them directly ( both as a reponse to email and certified letter ) and received a bill. I've address this with CFPB and through them, I received a bill and some sort of application bearing no signature. As I have not received any information that has validated this debt, I for the third time request that you immediately take action to delete all credit additions made to my credit reports. In addition, LVNV Funding, LLC ( Debt Collector ) is in violation of my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). LVNV Funding, LLC, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not LVNV Funding, LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.
Company Response:
State: AR
Zip: 71901
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Received an information XXXX and written questionnaire dated XX/XX/2023 on XX/XX/2023. Today XX/XX/2023 money was withdrawn by XXXX XXXX XXXX XXXX from my XXXX year old daughters checking and savings account. 1. Not even 10 days to return the questionnaire. 2. All money in my daughters account was from her part time job. None of that money was mine. I have a checking and savings account.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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 filed a complaint against XXXX about some fraudulent accounts and address on my personal credit report. XXXX would not even investigate the claims of fraud based off whatever they have on file from the company. It's my credit report and I have proof that the accounts was open fraudulently by someone else. I sent in all documentation requested from me. Police report, letter of XXXX at the time the accounts was opened, utility bill of where I stay and been staying. Look over the computer its easy commit fraud and you can get fraudulent documents from anywhere online nowadays. But the disturbing part of this process is XXXX not even putting no efforts to help consumers. They not sending no type of proof that will confirm I opened these accounts. They just don't investigate it and send a response saying they not gone investigate the matter because the company said its valid. Thats not fair to the consumer who credit this is affecting. It's my credit report that they suppose to be protecting, but they taking the company words over mines. Of course the company gone keep trying to collect on a account, but the account was opened fraudulently. I can see a huge class action lawsuit coming XXXX way because this is unfair to people to just look the other way when someone proving that they have been a victim of fraud.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A