Date Received: 2022-10-09
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I have received many harassing emails from this company in regards to them attempting to collect multiple debts. I am still receiving letters and emails after I requested them to stop contacting me. LVNV is not licensed to collect debts in the state of Georgia. Which makes the constant emails and letter illegal. I have sent letters to the company requesting them to cease contact with me with no response I have verified that LVNV is not licensed to collect debt in Georgia by searching the consumer access site using XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV sent a notice by mail recently stating they purchased an alleged debt from XXXX XXXX that is being serviced by Resurgent Capital services however another notice sent by XXXX XXXX XXXX stated that they have the same alleged debt from XXXX XXXX as well. I am certifying I have no knowledge of this alleged debt and to return back to the original creditor.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
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 am going to try this one more time before I seek legal action!! The account reporting on my credit file from LVNV is being reported on my XXXX credit report TWICE!! The LVNV account for {$550.00} account number XXXX is posted to my XXXX credit report TWICE. I said this twice because their investigation is coming up short both times because they are NOT addressing my issue. I have attached a copy that XXXX claims they verified that clearly shows after an investigation the duplicate accounts are still posted. This is a violation of my rights by both XXXX and LVNV. If this isn't corrected I will be forced to sue.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Company is trying to collect a debt that is not owed to them
Company Response:
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a complaint about two charges that are fraudulently being reported on my credit report by XXXX.The firts of two is being reported by RESURGENT RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. They have unlawfully and without my permission aquired my information from another company and are reporting that I owe them a debt of XXXX dollars and also XXXX dollars from two separate credit cards. now this is infact untrue due to the fact of me NEVER having a Fiduciary obligation to one RESURGENT RECEIVABLE according to CHP 15 AND 16 OF THE USC 1681 A CREDIT REPORTING BUREAU OR AFFILIATE MUST GET PERMISSION FROM THE CONSUMER AS WELL AS GIVE 21 DAYS NOTICE OF AN ACTION AND OR LATE PAYMENT REPORTING ALSO WITH UTILIZATION AS WELL NEITHER OF WHICH RESURGENT RECEIVABLE HAS DONE AND BY GIVING THIS INFORMATION TO XXXX TO REPORT IN ERROR HAS XXXXNFACT VIOLATED MY CONSUMER RIGHTS AND I WILL BE STARTING LITIGATION IF MY DEMANDS TO REMOVE THIS FROM MY XXXX REPORT ARE NOT MET. THIS HAS CAUSED ME UNDUE HARDSHIP INSOFAR AS I AM NOT ABLE TO PURSUE MY XXXX GIVEN RIGHT OF HAPPINESS OR QUALITY OF LIFE DUE TO NOT BEING ABLE TO OBTAIN ADEQUATE HOUSING OR PROPER VEHICLES. PLEASE REMOVE FROM MY REPORT.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2022 I received an email from XXXX XXXX identifying himself as a debt collector stating that he was collecting on behalf of LVNV Funding LLC from original creditor XXXX XXXX I received approximately 18 emails regarding the collection of XXXX XXXX XXXX # XXXX and every email XXXX XXXX informed that my aledged account was red flagged from an outstanding debt totaling {$4100.00}. This account XXXX XXXX was discharged and reported to the internal revenue service as an XXXX After receiving the collection emails without my authorization an consent I submitted a request fro validation under the fair ebt Collect FDCPA & FCRA Until this day they are continuing to report unverified information on my consumer file, XXXX XXXX also failed to validate the debt as required by federal law and under the new fair credit practices guides lines that are currently being implementation by the consumer fair credit beurer. I am requesting that the CFPB conduct an ivestigation into the unlawful collection practices and negative reporting agencies.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have an account that has been bought from a credit card company and to my understanding, I am no longer responsible for that debt. I do have email correspondence that says that my account has been bought from the original creditor and I would like for it to be removed from my credit report.
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no knowledge of the accounts listed
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX I asked the credit bureaus ( XXXX, XXXX XXXX and XXXX XXXX to verify the XXXX account XXXX The account came back as updated. After getting a response from the bureaus I sent a letter to XXXX on XXXX asking them to provide me documents validating this account belongs to me. They responded on XXXX stating they are unable to determine the nature of my dispute and requested I send in additional information. Then on XXXX XXXX they sent me a letter stating they do not honor requests to remove reported delinquencies when the information is accurate. On XXXX I sent another letter stating they failed to provide me with the requested documents validating this XXXX account belongs to me. I then received a letter stating the account has been sold to another company. On XXXX I sent another letter explaining to them that I am requesting the original documents along with other documents they have because I never opened a XXXXXXXX account nor have I heard of this company. I explained to them that I don't have a credit card with their company therefore this company is reporting inaccurately along with the company in which they sold the account to which is LVNV Funding LLC/LVNV Funding. LVNV was deleted from XXXX however the account is currently showing on XXXX and XXXX.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A