Date Received: 2022-06-15
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: " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response:
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hi, I was a client of XXXX XXXX XXXX. I paid off a negotiated debt to XXXX XXXX with my final payment being made on XXXX. The XXXX XXXX XXXX website shows that my debt is cleared and that I graduated their program. Shortly after that I received a letter from a company called Resurgent Acquitions saying I owed them the full amout of that debt.I contacted XXXX XXXX XXXX and they told me it was fine, and would adjust in the next few days. It didn't. I called the number on the collection letter. They looked up my account and provided me with a Paid in Full Letter. I'm currently trying to get a good interest rate on a mortgage loan. I submitted the XXXX XXXX Paid in Full letter to my lender. They have a Rapid Rescore Department and are willing to work with me. The Rapid Rescore Department said they could not accept the Paid in Full letter because it's from Credit Control and not Resurgent Acquisitions LVNV. Resurgent Acquisitions is the company that reported a collection to the credit bureaus. The Credit Control letter was signed by a collections supervisor and I can provide his name and also the Paid in Full letter. I called Resurgent Acquisitons. They said I owed the money and asked who was the company saying it was paid. When I told them XXXX XXXX, I was informed that XXXX XXXX is one of their companies. They said they would contact them and if they showed that I paid the debt, they would provide a Paid in Full letter and also remove the collection from my credit report. Since then I received another letter from Resurgent Acquisitons saying I now have to pay more, and the new bill exceeds {$1800.00}, This is almost {$600.00} more than what they originally said I owed in XXXX. I have since called them numerous times and was elevated to a manager on three separate occasions. The managers, first name only, and I can provide those first names, always say they will be able to resolve the issue in 72 hours and will get back to me. They say they can't call XXXX XXXX about it, even though XXXX XXXX is their company. They said they have a process and I need to wait. I have never heard of XXXX XXXX or Resurgent Acquistions prior to this. I called XXXX XXXX XXXX again to see if they would help me. I was told that I have a letter from XXXX XXXX saying the debt was paid and that's as far as their obligation to me goes. In the meantime, I'm trying to close on a house. I will have to pay a higher interest rate if this can't be fixed. Houses are so expensive and any decrease in an interest rate is important. I hope you can help me. THank you.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding, LLC/XXXX XXXX reported to all three credit bureaus that {$1200.00} is owed. I am not aware of such debt being owed. The creditor failed to contact me prior to reporting such derogatory information to all three credit bureaus. As such, it failed to follow the guidelines of Fair Credit Reporting Act. Please delete the item from all three credit bureaus.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC for committing identity theft. I have never given LNVN Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LNVN Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LNVN Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LNVN Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: MS
Zip: 39501
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Today I have checked my credit reports. I noticed on my records 1 account in collection. This account should not be on my reports because it has been more than 7 years from the date of the first delinquency.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: LVNV FUNDING is reporting a fraud account on my credit. I didnt open this account and I am not responsible for it. Please suspend all activity on this account and remove it from my credit. Please see the attached Federal trade Comission report and my driver license.
Company Response:
State: CT
Zip: 06112
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RESURGENT CAPITAL SERVICES, IS ATTEMPTING TO COLLECT ON A DEBT THAT THEY CLAIM IS MINE, BUT IT IS NOT REFERENCE # XXXX. ITS BEEN PASSED AROUND TO THEM FROM ANOTHER COLLECTOR, LVNV FUNDING WHICH IS STILL NOT THE SUPPOSED ORIGINAL CREDITOR. SUPPOSEDLY ORIGINALLY BELONGING TO XXXX XXXX. I AM DEMANDING A VALIDATION OF THIS DEBT THAT THEY CLAIM I OWE, IN WRITING AND IN A TIMELY MANNER ACCORDING TO THE FAIR CREDIT REPORTING ACT. IM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED FROM SCAMMERS LIKE THIS. I DONT EVEN KNOW WHEN THAT WAS, BUT IM SURE THEYLL TRY REAGING THAT FRAUDUALANT ACCOUNT, I HAVENT APPLIED FOR ANYTHING IN YEARS.
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Identity theft. Fraudulent accounts. These lines of credit are the same account sold off to different debt collectors who are both collecting on the original bogus account. My credit rating and limits have been negatively affected by these accounts. My FICO dropped from XXXX to XXXX. I repeatedly contacted the original creditor who told me that the debt had been written off, and sold to a collection agency. LVNV Funding promised to remove the derogatory account off my credit report the moment I paid off the debt. I repeatedly called and contacted LVNV Funding at XXXX, and XXXX XXXX at ( XXXX ) XXXX, stating that these accounts were fraudulent and that they belonged to an identity thief who stole my information, and used my name to open up a line of credit without my knowledge or consent. These shady and unprofessional debt collectors still are demanding full payment on a fraudulent charge. Please investigate and intervene. XXXX XXXX
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Third party company has tried to take me to court about debt that I do not owe. In the beginning of XXXX, XXXX an invoice was sent out to LVNV Funding LLC in regards to violations. They responded by sending me documents of debt they claim I owed. On or about XXXX XXXX a debt violation, cease to desist letter, an affidavit of truth, and an invoice was mailed to the company certified with a green return receipt. I am giving them 30days to respond and do what I have asked them to do to clear this debt they claim I owe. The invoice was for {$35000.00}.
Company Response:
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case LVNV FUNDING LLC is attempting to collect XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A