Date Received: 2022-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX XXXX Has sold the debit to LVNV funding and both parties are Reporting negative on my credit which is against federal law and must be corrected asap. Only 1 party can report the debit and that is current debit holder This must be removed from my credit file as a charge off and bad debit even though this was a exwifes credit card and did not belong to me. I called both credit reporting g agencies and they told me to call XXXX, called XXXX XXXX XX/XX/22 @ XXXX XXXX I was told by supervisor it's mot his problem and to take it up with credit bureaus of I have a problem. No accountability and this is a violation of my rights granted to me by 15USC1681 part 1through 4 XXXX XXXX must take immediate action and resolve at once
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC has placed a collection on my credit report for an account that was previously removed in another action. This has created a new line of credit on my report, and it has also started a process of re-aging a debt that has been removed from all accounts. I do not know why this has occurred. I have asked them to remove this only to receive condescending remarks. This is not my debt.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am XXXX XXXX submitting this complaint against Lvnv Funding LLC and there is no third party involved. Lvnv Funding LLC did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whomever Concern, On XX/XX/XXXX. The Original Creditor XXXX added a collections account on my credit report per LVNV FUNDING LLC XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company LVNV FUNDING LLC in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. XXXX are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO LVNV FUNDING LLC, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. XXXX immediately sold the collections account to LVNV FUNDING LLC Without any acknowledgment LVNV FUNDING LLC is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with XXXX/XXXX OR LVNV FUNDING LLC XXXX
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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 an account without my written instructions. 15USC 1666B : a CREDITOR MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received XXXX notices from Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, Phone XXXX XXXX stating that I owe a XX/XX/XXXX debt of {$380.00} that was charged at the location XXXX XXXX XXXX, XXXX XXXX NV XXXX for a satellite dish from a company called XXXX, XXXX XXXX I received the first notice in XXXX, XXXX and received the XXXX notice today XX/XX/XXXX. I called the company when I received the XXXX notice, and told the person there that I had never lived in Nevada and never owned a satellite dish, and that the debt was not mine. I have now received a XXXX notice saying the I owed the {$380.00}.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company is falsely reporting on my credit report and they need to remove themselves immediately.
Company Response:
State: OH
Zip: 45255
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Resurgent Capital Services stating i owe a debt from XXXX for {$21000.00}. First of all, i have no idea what this is about. I sent them a debt validation letter on XX/XX/XXXX. I just received an account summary report/letter from them on XX/XX/XXXX dated XX/XX/XXXX, which basically states the same thing they sent the first time, via mail. Their documents do not give out the full account # as requested to verify any relations to this matter ; just a resurgent reference #. The statute of limitations on collecting an auto debt in Louisiana is 3years. The listed origination date is XX/XX/XXXX ; Last payment rcvd XX/XX/XXXX ; Charged off dated of XX/XX/XXXX ; Account acquired XX/XX/XXXX. Today 's date is XX/XX/XXXX, which puts this matter 15years well beyond the legal and enforceable timeline. I would like them to delete my name and information from all of their records, cease and desists from ever contacting me or any affiliation of my name and address ever again, as I do not owe this debt. Doing so will violate laws put in place to protect consumers from shady, illegal and unfair practices & tactics like this.
Company Response:
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2022 and again on XX/XX/2022 I sent a validation letter to LVNV to validate a false collection and on 2 occasions they sent back a false and misleading form which is violation of my consumer rights. 15 U.S. Code 1692j
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have been contacted by resurgent capital on multiple occasions to collect an Alledged debt owed. On XX/XX/XXXX, I sent an email ( to a monitored email account ) requesting they cease all communications regarding this alleged debt. I the received further communications via email attempting to collect on XX/XX/XXXX, XX/XX/XXXX, and XXXX ( all XXXX ). I then received two letters in the mail from them attempting to collect, dated XX/XX/XXXX.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A