Date Received: 2022-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Collection agency LVNV Funding was asked by me last year and on XXXX XXXX to send itemized transactions and my signature. I told them that I had been stuck up by gunpoint. LVNV stated that they only show 2 transactions that equal {$37.00} dollars. I asked how are you trying to collect {$1100.00}. I received a bill with no information but that my balance is {$1100.00}. I am faxing supporting documents to XXXX. Also on my credit it is showing that I opened up a new XXXX XXXX Account and I did not. XXXX XXXX reporting wrong amount owed
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX said I owe them {$410.00} and {$400.00}. I do not recognize this accounts. XXXX has two collections on my accounts. I am requesting that you provide verification of this two collections you have on my account. Please send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. Sincerely, XXXX XXXX XXXX
Company Response:
State: NC
Zip: 27516
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a letter addressed to Resurgent Capital Services L.P. and a letter also addressed to LVNV Funding LLC asking for validation and verification. They replied saying the information is verified and they also sent me a copy of the billing statement. The address on the billing statement is not my address and the information is incorrect. The address they have on this account does not match my address. The original creditor removed the account from my reports when i initiated a lawsuit over this fake address. The address they have is XXXX XXXX XXXX XXXX XXXX .... My address is XXXX XXXX XXXX XXXX XXXX .... I do not live in XXXX and that is not my address. This is a large housing complex and people steal mail and packages all the time to commit fraud. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: on or about XX/XX/2022 i contacted XXXX and or resurgent debt collector and asked for information regarding account ending XXXX and asking not to be contacted further. on or about XX/XX/2022 i received a text message from resurgent debt collector regarding an account that has been paid in full for less than the total balanced ( settled in full ) on or about XX/XX/2022 i received a notice from XXXX regarding an account which i have advised was opened without my written consent. company has not provided any relevent documentation regarding the account and continues to contact.
Company Response:
State: KY
Zip: 42001
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I never applied for a student loan educational which was incorrectly reporting on my credit report # XXXX Then they sent it to collections I have been disputing since XX/XX/2020 I need this removed and blocked from my credit file
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I contact XXXX by phone and attempt to file a dispute on a account they list a collection on my credit report, account Resurgent/LVNC Funding Acct # XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX The amount XXXX. I am not allowed the file a dispute online, nor was my dispute taking when I called. I have no written legal contact with the company listed. I asked that a legal contact be provide. I was told by the XXXX representative that they dont have to provide a contact to me and they can still keep this reporting in my report. I asked that a contact be provide or this collection be removed from my credit report.
Company Response:
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I asked for verification of this debt by certified mail. I also asked them to send me a signed contract between LVNV/Funding/ Resurgent, but they have not supplied me with this information. They do not have a legal right to ask me to pay any bill that was not initiated by contract between this company and XXXX XXXX. It has been more than thirty days since my request.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX federal credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years
Company Response:
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not aware of this account, it is fraudulent.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A