Date Received: 2022-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Lvnv funding has purchased it debt that was open due identity theft I contacted the credit bureaus and got them to remove the report from XXXX XXXX XXXX then lvnv funding picked up the debt placed another mark on my credit report and has been trying to collect using threatening phone calls threatening arrest and to damage my credit if I did not pay them
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 2 accts with LVNV funding. One for {$440.00} and one for {$120.00}. They are reporting that these collections are OPEN accts which is not under FCRA compliance in being a collection acct. This is inaccurate and needs to be immediately removed from my report. Also I would like a copy sent to the address listed on my report as soon as you remove the claims. Thank you XXXX XXXX
Company Response:
State: FL
Zip: 32571
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: The original creditor is XXXX XXXX XXXX, which sold the account to LVNV Funding. I was successfully sued by the creditor as the creditor filed a lawsuit in a jurisdiction where I do not live using an address where I do not reside. According to 15 U.S.C. 1692i, this is a violation.
Company Response:
State: MD
Zip: 21001
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit card account was taken into collections after I had tried to settle the balance with them. They decided to take my account to collections anyways. I then paid the amount on the account for {$1300.00} on XX/XX/2022 and the collection company wrote me via email that the account would be deleted if the amount was paid. This account still shows as an open balance in full and it shows as a charge off. I need help with making this right and taking this off my credit reports.
Company Response:
State: CA
Zip: 91763
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Resurgent, claiming to be a debt collector, has sent numerous letters which everyone has been replied with 10 business days. The company has not given proof of validation, and regardless, they have reported this to my credit. This alleged debt was bought from a previous debit buyer and I have requested a history of this best. All I am receiving is a last statement from the situation company allegedly money is owed to. LvNV funding who is the debt buyer has already reported this, now this company is not only is not giving me sufficient paperwork and proof odmf debt, I have also reported identity theft to ftc, numerous time. This company keeps mailing me sets of 8 different packets each with different responses I am not going to give information or my social security asking they stop this communication method and stop the threats while they have dinged my credit. This account was a charge off in 2019. The I formation states these are not original account statements and has been provided by LVNV,. Now this has been bought and sold so many times that I have no idea where this is coming from. I keep records and letters sent to these types lf agencies. Although they say thus matter will be reported it already has I believe by tow agencies .please stop this .I am a spouse of an XXXX XXXX military and these people are ruining my credit Thank you
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company randomly appeared on my credit report and I have no knowledge of them whatsoever, my credit report reflects the fact that all my bills I actually owe are paid on time and current, they do not belong on my credit report and need to be removed as I have zero association with them...
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom It may concern : Ive had identity theift for years and have contacted the police and their response to me was since it is small amounts each time it was nothing that could be done but if it was a lump sum then action could be taken. I have written serveral letters to the credit bureaus asking for debt validation and orginal contracts stating what is being reported on my credit report is accurate, and it comes back as verified but I never recieve written documention showing its actually an account I have authorized. I was also a victim of the XXXX data breach in 2017 and looking at my XXXX report I also see that my personal information in being viewed on a daily basis. I will attach documents for the certified letters that Ive written also proof showing my personal information has been compromised. Ive writtent certified letters to not only the the credit bureas but the collection agenices that are incorrectly reporting on my report. Ive also done my due dillegence and have documentation showing that the listed companies are illegally trying to collect a debt are unauthorized to collect in my state of Ohio. If the attached documents are not clear please visit XXXX. Listed below are the companies XXXX ) LVNV Funding 2 ) I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have also attached a copy of my ID I did not attach my SSN considering the data breach and my personal information being compromised, but if there is any other documentation that is needed from me please let me know. Thank you
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
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: XXXX notified me regarding LVNV FUNDING, CARE OF XXXX XXXX XXXX XXXX that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was never my original creditor. XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX. XXXX failed to produce any documented evidence of how LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX. LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and LVNV FUNDING, CARE OF RESURGENT CAPITAL SERVICES L.P remains in direct violation of The Fair Debt Collection Practices Act.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
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: XXXX notified me regarding RESURGENT RECEIVABLES LLC that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *PORTFOLIO STATUS. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX was never my original creditorXXXX XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX for an amount of f {$2100.00} or any such amount. There is no debt owed to XXXX XXXXXXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX XXXX failed to produce any documented evidence of how RESURGENT RECEIVABLES LLC a Debt Buyer Account is owed a past due amount of {$2100.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX RESURGENT RECEIVABLES LLC is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and RESURGENT RECEIVABLES LLC remains in direct violation of The Fair Debt Collection Practices Act.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX is now reporting as LVNV Funding LLC {$440.00} balance Has different names appearing on my credit reports that was taken off previously. XXXX reports it as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports it as : XXXX XXXX XXXX LVNV
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A