Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX. I noticed there was a debt being reported on my credit report by a company I have never heard of. This company being LVNV Funding. The alleged debt {$1500.00}. I then sent out a letter vis certified usps mail to LVNV Funding at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX to validate the debt. The letter was I sent was received XX/XX/XXXX which is verifiable via usps certified tracking. It is now XX/XX/XXXX and still have not received any proof. Ive also disputed this debt multiple times with XXXX, XXXX, and XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX to which they have stated the debt is valid, without providing proof of how it is valid even though I have never contracted with LVNV Funding and my privacy rights are being violated. 15 U.S.C 6801, 15 U.S.C 6802 ( a ) Notice Requirements, 15 U.S.C 6802 ( b ) Opt Out, 15 U.S.C 1681i ( a ) ( 5 ) ( A ) In General, and U.S.C 1681i ( a ) ( 7 ) Description of reinvestigation procedure.
Company Response:
State: CA
Zip: 92543
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I have been receiving text messages nonstop, every single day from Resurgent Debt Collector, I have replied asking them to please stop texting my phone but to no avail. This has gotten in the way of my workday because I get text messages non-stop. I need this to stop, or I will see what legal actions I can take.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Force to go to court and fill out a agreement for payment in fear of garnishing my paychecks.
Company Response:
State: MD
Zip: 20740
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$820.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an unauthorized collection account that has been placed on my credit report without my written consent, which is in violation of the provisions outlined in 15 USC 1692e of the Fair Debt Collection Practices Act. I discovered that a collection account, was placed on my credit report. Upon further investigation, I learned that this collection account was placed by LVNV without my written consent, which is a clear violation of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692e. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the unauthorized collection account is promptly removed from my credit report. Additionally, I seek the full protection and remedies afforded to me under the Fair Debt Collection Practices Act. I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if any further information is required. Sincerely,
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please see attachments and follow demands listed in attachments. To date, Resurgent has NEVER validated the debt nor have they provided the requested information. The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. This company and the representatives of the company are predatory extortionists and I will pursue legal action within 15 day of receipt of this notice if the information requested is not provided.
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: BELOW IS THE INFORMATION FROM XXXX; I DISPUTED, AND ACCORDING TO XXXX, IT IS A LEGIT CHARGE, WHICH IS NOT, AND I AM FED UP WITH THIS. NO ONE SENT ME DOCUMENTS. I TRIED TO CALL THIS COMPANY, AND THEY ASKED FOR A CASE NUMBER, WHICH I DON'T HAVE. I SEE THE ACCOUNT WAS OPENED IN XXXX, WHICH IS NOT LEGIT. PLEASE HELP ME I DONT KNOW WHAT ELSE I CAN DO. THESE ISSUES HAVE BEEN GOING ON FOR THE LAST 5 TO 6 YEARS NOW. I HAD OTHER DEBT COLLECTORS CALLING, AND I EXPLAINED TO ALL OF THEM THIS IS NOT MINE. THEY SEEMED TO IGNORE AND SELL TO OTHER DEBT COLLECTORS, AND SO ON. NOW, IT IS GETTING TO THE LIMIT BECAUSE THIS IS NOT TRUE AT ALL. I HAD DEBTS IN THE PAST I RESOLVED WITH THE CREDITORS, AND I GUESS THEY GOT MY NAME FROM MY HARDSHIP TIMES AND DECIDED TO PLAY WITH IT. WHAT CAN ONE DO IF EVEN THE CREDIT BEAUROU DOES HELP US? PLEASE HELP ME I AM BEING TRULY HONEST HERE. THESE PEOPLE ARE RUINING MY CREDIT. Account Number XXXXXXXX Name LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX Date Opened XXXXXXXX (FRAUDULENT) I NEVER OPENED AN ACCOUNT ON THIS DAY/NOR WITH THIS BANK Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance $XXXX Last Payment Amount $XXXX Original Amount $XXXX Original Creditor XXXX XXXX (Financial) Past Due $XXXX
Company Response:
State: MT
Zip: 59715
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have not received a validation letter, a signed contract or a purchase agreement
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I hereby dispute the validity and accuracy of the account listed below fully and I also request verification of the alleged debt with a copy of the original purchase agreement and the agreement must be with the original creditor and signed by all parties involved. I'm requesting this because I have had different companies reach out to me about the same alleged debt .investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I sent a letter to the company requesting validation on XX/XX/ and they didnt provide the information within 30 days
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A