Date Received: 2022-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX sold an account to LVNV Funding. I have submitted disputes with XXXX XXXX and have been told XXXX is buying back the account from LVNV Funding. However LVNV Funding has no record of that and states that I am responsible for the debt and need to pay it. I am now being contacted by XXXX XXXX XXXX about the debt and getting told its in legal and I need to pay it or be sued even though I have advised them of what the original creditor had stated. No one at Resurgences capital or XXXX XXXX XXXX have access to LVNV funding information they are only tasked to collect the debt of which I do not owe. LVNV Funding is also reporting multiple inaccuracies to the Credit Reporting agencies.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I let them know that it was identity theft and I did not owe them anything but yet it's still on my credit and it's more than one account
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have been in dispute with this company for several months. They have continued to ignore my requests for information regarding this account. They have contacted me even after I requested them to stop if they were unable to provide the requested information. I just noticed they are reporting this collection while in dispute to the credit agencies. The collection while in dispute is showing and negatively effecting my credit score. I have asked them to remove the reporting, but to no avail.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Notification was sent regarding alleged debt that was owed to LVNV/ ERC. No accounts have been opened by me with the above companies or their associates. The age of original account is too old to pursue collection. Several attempts were made to resolve issue of debt via certified letters including pay to delete letters. No responses received from any letters sent except XXXX Verification of debt sent by agency which proved inaccurate. No records available. Making contact with the agencies including the Credit Reporting have proven futile. Yet this old alleged debt still remains on my reports due to their negligence and refusal to cooperate. Course of action taken has been approximately XXXX year with no results.
Company Response:
State: FL
Zip: 33823
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/2022 at XXXX a debt collection company emailed my mother regarding a very old credit card account. My mother is not and never has been affiliated in any way with this account. The email disclosed the bank name as XXXX XXXX XXXX XXXX XXXX account ) and a debt amount of {$2300.00}, for which the collection agency was seeking recovery. Additionally the email named a CACH , LLC as the current creditor - even though I have no relationship to or knowledge of CACH , LLC. Again, I want to restate that my mother has never been authorized for communication regarding this very old credit card account ( in fact the email address she uses wasnt even in existence when this account was originally opened ). Further more, the account in question is no longer collectible as the statute of limitations for the agreement governing this account has elapsed. I no longer owe the balance state ( which I am unable to verify ) ; it is no longer collectible and ceased to be collectible SEVERAL years ago. None of this information was provided to me - rather it was sent to my mothers email address ( again, which I have never used or authorized for any communication ). I am not currently a minor, nor was I at the time the account in question was opened.
Company Response:
State: MO
Zip: 63640
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. XXXX and XXXX have deleted and removed the fraudulent accounts at this time.
Company Response:
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: i told them that debt wasn't mine and to stop calling me. i even called the cc that the debt was from and telling them that the debt wasn't mine but was told that this is no longer in there hands and they sold my debt to the company Resurgent /Lvnv funding. i asked multiple times that they stopped calling and to please fix this on there end and they never have, all i received was calls for collections on a debt that i don't own no matter how long i called them.
Company Response:
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received an email from LVNV Funding LLC on Wed XXXX XXXX, XXXX. LVNV Funding LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX. I have not received any goods or services from LVNV Funding LLC, and I do not know how LVNV Funding LLC received my private information. Upon checking my credit report LVNV Funding LLC flagged my credit on XX/XX/XXXX with unverified collection activity. LVNV Funding LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$610.00} owed to them. I did not authorize LVNV Funding LLC to use my email address or social security number to damage my credit files. LVNV Funding LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to LVNV Funding LLC XXXX I am not a party to any agreements that LVNV Funding LLC may or may not have with XXXX XXXX XXXX XXXX A. I am not responsible for LVNV Funding LLCs purchase / transfer from XXXX XXXX XXXX XXXX. I have not agreed to pay/tender anything to LVNV Funding LLC XXXX LVNV Funding LLC reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. Please be advised that neither LVNV Funding LLC or XXXX XXXX XXXX XXXX. are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Company Response:
State: SC
Zip: 29678
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: There was not appropriate info for me to pick the right reason for the complaint. I have another complaint against this company for the exact same issue. This is a debt that was CHARGED OFF XX/XX/2020 and this company XXXX XXXX XXXX is now reported it as a XXXX XXXX XXXX XXXXT How does it go from a charge off to a collection account. This is re-aging an account which to my knowledge is illegal. These companies are crooked and constantly selling loans and ruining peoples credit. I know I owe the money and I am willing to settle BUT i am not going to unless they report back to a charge off with the correct charged off date and then I settle the charge off My score has dropped significantly because they reported this as a NEW account. How does it go from a right off - charge off to a collection? Its a collection first then a charge off we dont go backwards
Company Response:
State: NJ
Zip: 07860
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They do not have my legal name on there it is a different name my name is XXXX XXXX XXXX and they have XXXX XXXX XXXX and two other names that don't know who they are. And I've also had my wallet stolen withy identification and social security number I also made a case with the social security administrative Office already
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A