Date Received: 2022-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that LVNV FUNDING had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$850.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Re- XXXX this is the XXXX consecutive time I have asked you For information pertaining to this so called debt that you say I owe! You are unable and have not provided me XXXX piece of evidence that I have asked you for that ties me to this debt right now you are a violation of the FDCPA I must warn you in writing remove this unverified account from all credit reporting agencies and cease and desist any further reporting on this account and DO IT TODAY or you would be sued for {$1000.00} if you dont believe me TRY ME Review the file if you dont believe me again try me
Company Response:
State: MN
Zip: 55311
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am being Harrassed by Resurgent/LVNV Funding regarding a debt from XXXX XXXX XXXX XXXX XXXX I did not give XXXX XXXX XXXX XXXX permission to share any of my personal information to Resurgent this is a violation of the Federal Credit Reporting Act. I did not signed anything with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware of the unauthorized charges due to my roommate stealing my debit card and using it. I did not make the charges. Also, Im requesting copies of every transaction to this account along with signatures on every transaction. Also, I would like for Resurgent to provide me with information on how this account was obtained and how much they paid for this account. I should have been notified that XXXX XXXX XXXX XXXX was selling my account to a junk debt buying company prior to account being sold. Again I am requesting all the above information to be sent to me within 30 business days. I am not responsible for this debt and I will seek guidance from a man attorney immediately. This company has harrassed me by phone and by mail after I informed them I didnt owe the debt. If this company report anything to the credit bureaus I will file a lawsuit for damages to my personal credit report. XXXX XXXX XXXX XXXX never reported this account die this account being a checking line of credit. Resurgent does not have the right to report anything to the credit bureaus. I want a copy of all transactions and signatures immediately. If I am harassed again I will file a lawsuit. I do not owe anything. I want to see all documents that were provided to Resurgent from XXXX XXXX XXXX XXXX. I did not agree to them selling or providing my personal information to anyone.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid XXXX directly and told Resurgent this. They still choose not to leave me the XXXX alone!
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My XXXX XXXX XXXX XXXX line was closed because some one made a false payment on my account and it bounce XXXX XXXX never called me or let me made it better. However this is not why I didnt pay I didnt pay it because XXXX XXXX reversed the charges from XXXX XXXX XXXX XXXX and now Im in collection for them and then XXXX XXXX sold my account off to a debit buyer they never contact me but hired attorney to sue me for something that is not there. Im not paying this twice and right now thats what they want to pay it twice.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I attempted to reach out to the company on XX/XX/22 to let them know that they did not inform me properly and they continue to report this alleged debt on my consumer report. I also notice that they are not a registered agent in my state, and they are attempting to collect from me.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This was not sent in error ; I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: resurgent bought a debt that they are not legally licensed in california to collect such debt the debt was charged off.
Company Response:
State: CA
Zip: 94503
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A