Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On or about XXXX XX/XX/XXXX, I received through mail a letter from Resurgent Capital Services on behalf of LVNV Funding LLC dated XXXX XX/XX/XXXX. The letter stated that they were attempted to collect a debt I originally owed XXXX XXXX XXXX XXXX. I sent a debt validation letter back to Resurgent Capital Services on XXXX XX/XX/XXXX. I never received a response but on XXXX XX/XX/XXXX, I received an email alert from XXXX notifying me that LVNV Funding reported the account as a collection. They never responded to my debt validation request and in their letter to me dated XXXX XX/XX/XXXX, they listed how to dispute and also gave me a suspense date of XXXX XX/XX/XXXX. They didn't give me 30 days to dispute per law although I responded immediately but they also ignored their own suspense because the collection was reporting at least 3-4 days prior to their suspense of XXXX XXXX. This company clearly disregards consumer laws as well as their own internal rules. I deny owing Resurgent Capital Services/LVNV Funding LLC and I also reported the original debt that I had with XXXX XXXX XXXX XXXX as gross income on my XXXX tax return per IRS guidance XXXX
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX LVNV FUNDING LLC was sent by certified mail, a validation/ verification letter about account in question # XXXX reference ID # XXXX. In response I received ONLY monthly bill statements, which does not validate or verify the debt! LVNV FUNDING LLC is purposely ignoring the requested information sent to them ( SEE ATTACH ), via certified mail. ALL information is my right as a consumer to recover according to FDCPA XXXX XXXX XXXX XXXX XXXX has never been issued as addresses in requested via certified mail, NOR HAS ATTEMPTS TO COLLECT DEBT CEASED, which is another violation of my rights until information requested is received in its entirety all attempts must be inactive. On XX/XX/2022, LVNV FUNDING LLC, sent me a letter stating verification of debt ( See attach ), with a monthly billing statements, AGAIN, ignoring the stated request for verification sent via certified letter. ( see attached ) Nothing indicating verification validation or judgment alleging debt is On
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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: LVNV I DO NOT OWE THEM ANYTHING PERIOD.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I filed a dispute with the 3 bureaus customer relations department disagreeing with the items appearing on my credit report that are not in accordance with the FCRA act. I have not gotten any update or acknowledgement of my dispute. Lvnv funding llc XXXX XXXX XXXX XXXX XXXX XXXX Lvnv Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions.
Company Response:
State: WI
Zip: 53210
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have sent several letters to have these collections removed LVNV Funding LLC {$1400.00} LVNV Funding LLC {$550.00} LVNV Funding LLC {$1700.00} LVNV Funding LLC {$3700.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$920.00}
Company Response:
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 25.7K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I just received a copy of my consumer credit report and have found LVNV FUNDING LLC reporting on my consumer report for an amount of XXXX. I do not have a contract with LVNV FUNDING LLC, this is identity theft. I have never received communications from this company nor consented to any transaction or contracts with LVNV FUNDING LLC. This account needs to be immediately XXXX out and deleted from my consumer reports. LVNV FUNDING LLC has to stop immediately reporting to all consumer reporting agencies. This is identity theft! This is a violation of my consumer rights and willful and knowingly intent. If LVNV FUNDING LLC does not cease collections attempts and XXXX out the balance LVNV FUNDING LLC will be charged XXXX for damages
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Since, XX/XX/2022, RESURGENCE CAPITAL SERVICES has tried to contact me in regards to an alleged debt that they purchased from an alleged original creditor for {$830.00}. In the first 5 days of contacting me, they did not provide proper evidence in sending me a confirmation of the contents pursuant to 15 usc 1692g ( a ). Prior to communication they did not receive written permission to contact me. I have received at least 3 emails, every week from this entity. So far I sent them a letter to dispute the alleged debt demanding they validate the debt within 30 days of receiving my letter.. They received the letter on or about XX/XX/2022. After receiving my letter to dispute, RESURGENCE CAPITAL SERVICES is still attempting to collect via consumer report. I am documenting each individual action taken by the debt collector. I have been harassed and threatened to be sued for months.
Company Response:
State: NM
Zip: 877XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no knowledge of any such debt being owed toEnter compan LVNV Funding LLC ORIGINAL CREDITOR ( XXXX XXXX XXXX I am familiar with the XXXX XXXX XXXX 's ( XXXX ) Consumer Credit sourcebook which states the following. " A firm must not ignore or disregard a customer 's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer 's claim is not valid. '' XXXX " A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds. '' XXXX " Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner. '' XXXX If you do not stop collection activity whilst investigating my dispute, you are breaking XXXX rules and guidance. Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment. Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to my local trading standards service and consider informing the XXXX of your actions. I look forward to hearing from you. Yours faithfully
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding placed my account in collections for {$3600.00}. I settled this debt with XXXX XXXX. The original balance on my account was {$5600.00}. XXXX XXXX offered me a settlement in the amount of {$1900.00}. They stated that once I paid the debt it would be considered as paid in full and no other collection activity would continue. I paid the settlement. LVNV placed my account in collections for the balance of {$3600.00} that was settled. This is lying. The letter in writing shows the debt would be settled. This is illegal.
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A