Date Received: 2022-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : LVNVFUNDG Account Number : XXXX
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had an account with XXXX XXXX XXXX XXXX XXXX. When I got my last statement, I asked company to verify some charges that I did not recognize on my statement, and credit one was unable to verify. At that same time, I had received information saying that my credit was compromised so the charges were fishy to me. I requeted that XXXX XXXX send me information that this account officially belonged to me and that I had agreed to it. They did not respond to my request. They then unlawfully transferred this debt to XXXX XXXX XXXX at XXXX. I did not give permisson for my personal informatinon to be handed over to this other company. This company has been harassing me and calling me during off hours and at work while I am tutoring students. This company, LVNV Funding-XXXX is now being reported on my credit report.-reference number XXXX is really not fair, given the circumstances. I never gave permission to XXXX XXXX to release my personal information to a company that I am not doing business with. I've already made several payments to XXXX XXXX XXXX, who is working with LVNV Funding to process their payments. However, I don't think it's reasonable and fair for me to continue to make any additional payments continuing the circumstances involved. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Company Response:
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Resurgent capital sent debt letter XX/XX/22. I sent validation request XX/XX/22. XX/XX/22 Resurgent did not send all requested information in my valuation request. Only sent photo copies of last statement.
Company Response:
State: CA
Zip: 91320
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Pursuant to Title 31 U.S.C 3729-3733 of the False Claims Act ( FCA ) LVNV Funding LLC is attempting to collect a debt which is not owed by I XXXX XXXX the consumer. I have no prior relationship or contractual association with LVNV Funding LLC. LVNV Funding LLC was not given authorization or permission to have my SSN number or personal identification information nor did I give them authorization or permission to share this information with any third party vendors. LVNV Funding LLC has obtained my information by aggravated identity theft in accordance with Title 18 U.S.C 1028A. LVNV Funding LLC is fraudulently using my SSN number and personal information to get me to make payments on a alleged debt not owed by using the consumer reporting agencies to extort and coerce me into paying the alleged debt.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recieved an email in my junk files from a debt collection agency named Resurgent Captial Services in XXXX of XXXX stating that I was given a credit card with XXXX XXXX XXXX in XX/XX/XXXX and was closed on XX/XX/XXXX. They say the charge-off amount was {$440.00} and went up to {$600.00} with interest. I'm guessing that the debt collection agency added thier own interest because they say I owe a grand total of {$700.00}. I asked for a DEBT VALIDATION LETTER and which I recieved some sort of vague printout on XXXX XXXX and I responed with a DEBT VERIFICATION LETTER disputing the debt. I sent the letter via certified mail but made the mistake of not asking for a return receipt request. Resurgent sent me another printout and I once again sent a debt verification letter in XXXX of XXXX, this time with a return receipt request. From XXXX of XXXX to XXXX of XXXX it has been the same. I've also informed them of the STATUE OF LIMITATIONS involving the debt in question but they keep sending me the same printout. I sent a cease and desist letter in XXXX with another return receipt request and recieved yet another printout. By law they're supposed to either drop the case and move on or tell me what type of legal action they plan to take against me.
Company Response:
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Basic code of 15 usc1681 ( b ) ( 2 ) any company reporting on your consumer report needs my written permission to do so.. if my permission was not given you violated my rights to privacy pursuant to 15 usc 168 ( a ) ( 4 )..
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. LV N FUNDING XXXX XXXX XXXX XXXX YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVN FUNDING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a federally protected consumer and a natural living person. I am aware that this company by the name of Rc/ Resurgent Receivable is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe this company this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Rc/ Resurgent Receivable should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A