Date Received: 2022-05-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LNLV funding is fraudulently representing themselves to credit reporting companies as still having the legal right to pursue and report on a debt they already sold. The oringinal lender of the account is XXXX XXXX XXXX, LNLV funding bought the account on XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX XXXX in regard to the same debt that was previously owed to XXXX XXXX XXXX stating that they bought the account. Only one debt collector may have the right to report and pursue collection of the same debt per the fair debt collection act. If LNLV funding has indeed sold the debt they also sell the right to pursue collection of that debt and therefore should not be reporting ANY owed amount to any credit reporting company as they no longer have the right to pursue collection. They are still reporting to XXXX that they own the debt and have the right to pursue debt collection.
Company Response:
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I keep receiving telephone calls of harassment, profane and abusive language, threats of XXXXXXXX jail, prison and XXXX from LVNV Funding LLC and XXXX XXXX XXXX XXXX in regards to an account from the original creditor XXXX XXXXXXXX XXXX with a balance of {$7100.00}. The account is fraudulent and the result of identity theft. The account is not mine. Its a fraudulent account and the result of identity theft. The account dont belong to me.
Company Response:
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The REpresentative I spoke to agreed to remoced debt again. HAS BEEN REMOVED, and RE -ADDED
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent 5 letters and I'm not getting any help with my credit reports. I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. # 1 Problem with XXXX is I sent a letter to XXXX on XX/XX/XXXX asking them to remove someone else name and date of birth from my credit report and they did not delete the incorrect names or birthdays. I sent my driver 's license and utility bill so they can correct my name, birthday and address and XXXX FAILED to make the corrections. My credit report dated XX/XX/XXXX is attached still showing someone else name, birthday and addresses on my credit report. I want this deleted right away! XXXX has no excuse to have somebody else information on my credit report. # 2 Problem with XXXX is On XX/XX/XXXX I sent XXXX a letter and a copy of my credit report with my driver 's license again because someone else accounts are on my credit report. XXXX claimed they verified this but it's impossible because I know for a fact the account not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit 4 times and I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX and XXXX XXXX because this account also belongs to someone else and XXXX and XXXX is still ignoring me. # 3 Problem with XXXX is 2 Collection accounts LVNV FUNDING XXXX is showing 120 days late. LVNV FUNDING XXXX also showing 120 days late on my credit report. I wrote to XXXX and asked them to delete this and again, my letter was ignored. I wrote to the collection agency also and asked who the original creditor is and how are they reporting a collection account 120 days late because I know I read something that said a collection account cant be reported late on a credit report because thats against the law but XXXX and LVNFUNDG ignored my letters. My credit report is still showing this collection account as late. # 4 Problem with XXXX is that I sent XXXX another letter on XX/XX/XXXX about the accounts still being on my credit report after I provided proof that the accounts couldnt be verified accurately and my letters keep getting ignored. XXXX did not respond to my letter and none of these collection companies responded to my letters.
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: multiple re-entry and removals.reoccuring. inaccurate debt
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have reached out to LVNVFUNDG and XXXX who is reporting this debt on my credit report. This is showing an open account but I have not received anything regarding this debt. I've asked for it to be validated and verified but still haven't received documentation.
Company Response:
State: AL
Zip: 35630
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. LVNV Funding ( from XXXX XXXX ) and two accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and XXXX with no success. Im also including a copy of the police report that was filed for the identity theft.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a collection account on my credit report that is a result of identity theft. They will not delete even though I have send in FTC identity theft report and police report.
Company Response:
State: WA
Zip: 98258
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection. I, XXXX XXXX, Consumer, dated on XX/XX/2022 am putting Resurgent Receivables LLC on notice to cease and desist all communications with me. Also, I am fining Resurgent Receivables LLC for {$5000.00} pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. Resurgent Receivables LLC has violated my consumer rights and you are on notice as of XX/XX/2022 and will be invoiced for each violation according to federal law 15 U.S. Code 1692k - Civil liability. Also let XXXX know, pursuant 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Because it is sufficient evident, Resurgent Receivables are attempting to collect an alleged debt of extension of credit by extortion means. Thank you, and best regards!
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services continues to contact me about a debt that I do not owe. According to their representatives, debt verification materials have been provided but I am questioning their legitimacy for several reasons including : a lack of personal identifying information on the documents, a listed address that I have never lived at, and an inability to produce an account holder 's agreement with my authorization or signature despite repeated requests. I have asked Resurgent Capital Services for additional substantiation repeatedly -- most recently as XX/XX/22 -- and in the words of a representative they, " do not have anything else on file. '' I am only being provided a topline account summary, which frankly, is meaningless because the debt in question does not belong to me and could be easily fabricated.
Company Response:
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A