Date Received: 2022-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection from LUNV from a XXXXXXXX XXXX credit card in the amount {$11000.00}, I did not make this purchase or authorize any person to charge this card. I have disputed, it was taken off of my XXXX account but it was denied by XXXX. This is effecting my credit very badly and I need to get it removed. I really hope you are able to help me do that in the fastest way possible. I thank you in advance.
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX XXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX and LVNV Funding. XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.
Company Response:
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of ID theft and my identity was compromised, I filed a police report with XXXX XXXX division and they have an ongoing investigation for my wallet being stolen along with my luggage, my passport and ss card and I had to get a new passport issued in AZ through the bureau of consular affairs which should be on record along with a new ss card. I recently filed a new police report for the fraudulent accounts which I will attach to this report.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: The LVNV accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. XXXX has been contacted multiple times and there has been no update provided on the status of this report.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2022 To Whom It May Concern, this letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 1. LVNV FUNDING LLC : COLLECTION ACCOUNT, XXXX Balance XXXX : Remove from Credit Report Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely yours, XXXX XXXX
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In the attachments is a record of me and XXXX and XXXX XXXX XXXX. Initially I received collection letter from XXXX XXXX XXXX and I wrote back requesting validation from them. They never wrote back then I received a letter from XXXX stating that they are the ones collecting and that XXXX XXXX XXXX is just servicer. That was just a stall tactic. I sent out another validation letter requesting proof that I owe the debt. XXXX wrote me back and stated in their letter that they sent all the documents that I requested in the envelope. When opened the letter, the only thing that was in there is XXXX paper that look like a bill. Everything I requested was not in the envelope. It takes money to send out these letters, so I am doing it through this CFPB channel. Everything XXXX claim they enclosed please send through this portal because I did not receive it by mail. If you cant present these documents that I requested please cease all collection. Please cease and desist on all mediums. Send me a letter that I am not responsible for this debt. everything is attached
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have disputed the amount of this debt with LVNV FUNDING LLC several times. The original debt was XXXX yet they continue to report a balance of {$6300.00}. Washington State, were I live has a maximum interest law on debt collectors.
Company Response:
State: WA
Zip: 98466
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 the collection agent for LVNV Funding, Resurgent Capital Services, XXXX stated : " You can contact XXXX XXXX XXXX, XXXX, the third-party servicer that is currently servicing your account XXXX. '' I took steps as suggested. XXXX does not respond to phone messages or emails. After I informed Resurgent that XXXX is unresponsive, Resurgent does not reply. I have even threatened court action - still no response. So, I have no way to address this " account '' that appears on my credit report in the amount of. {$760.00}.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Resurgent Capitol Services L.P. is attempting to collect on an alleged debt on behalf of LVNV Funding LLC. LVNV Funding is reporting a charge off on my consumer report for the amount of {$630.00}. As defined by the IRS, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income AND File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of {$600.00} or more. They are also supposed to provide me with a copy of the 1099c form showing that the debt was charged off so I would be able to report the income on my taxes but I never received a 1099c from the alleged Original Creditor XXXX XXXX XXXX, Resurgent Capitol Services L.P or LVNV Funding .... The IRS also clearly states that a canceled debt or charge off is income, which is considered " ordinary income '' but is being reported as debt on my consumer report which is inaccurate and illegal. Pursuant to 15 USC 1681 s-2 states that Resurgent Capitol Services L.P. is a furnisher of information to a consumer reporting agency. and is prohibited by law to furnish inaccurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. I demanded this information to be deleted from my consumer report but they are still reporting this without proof of my 1099c form.. From my understanding LVNV Funding LLC , Resurgent Capitol Services and XXXX XXXX XXXX are all under violation of the FDCPA and IRS.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I disputed this account over 5 times, that account was Fraudulent open. I have no claim or ownership for this account and writing or electronically validation so it can immediately be remove from all three credit Bureau
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A