Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I never ever sign any agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to follow up on my previous communication last time via mail, in which I requested validation of the alleged debt that I found from my credit report. LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Around mid XXXX XXXX Resurgent Capital Services email and later a ltr. to me stating I owed a debt in the amount {$2900.00} for a credit account that was originally w/XXXX. It states this amt. was owed as of XX/XX/XXXX. I have never had an account in my lifetime w/XXXX. I disputed this account first via email, then because the company continued to contact me I sent a certified registered letter stating I officially dispute this account and indicating I have never had an account with this company and felt it could possibly be a case of identity theft. I requested Resurgent to provide a copy of the original contract with XXXX showing the original signature on the contract. The company did not provide this document, only a letter showing the account summary. I pulled & printed out my credit report and there is no place on the report showing an unpaid account or balance with XXXX or any other creditor. I did receive ltr from company titled XXXX XXXX XXXXXX/XX/XXXX, stating a recent cybersecuity incident involving my personal infomation was disclosed. But I have never at anytime had an account for credit card with XXXX.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from a debt collector XXXX XXXX XXXX on XX/XX/2023 and I responded asking for debt validation because I don't know this company writing me telling me I have money for them, then I got another letter from Resurgent Receivables LLC on XX/XX/2023 responding to me about same alleged debt owing to them and I was not provided with my request documentations for my validation. I then again sent second letter requesting for all those documentation I previously asked for to validate this alleged debt, then I received another response from a Resurgent Capital Services on XX/XX/2023 which again XXXX not get any documentation to properly validate this alleged debt. I then wrote a third letter attempting to request for those documents once again to properly validate this alleged debt and I let them now that If they can not provide these documents they need to cease and desist from contacting me. After I disputed this item they went and posted it on my credit report on XX/XX/2023 I saw it on my XXXX and XXXX report which is a clear violation when an item is in dispute
Company Response:
State: NJ
Zip: 07206
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and never ever in any way sign an agrement on. A legal contract is signed by the parties and I did not participate in any of it. More so they didn't folow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I am entitled to {$1000.00} per violation and clearly they violated my rights.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to file a formal complaint concerning a serious matter of inaccurate reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review of my credit report, I discovered multiple collection accounts attributed to a company with which I have never held an account. To address this issue, I initiated the following actions : Verification Letter : I sent a verification letter to the company, LVNV FUNDING , LLC, through their representative, RESURGENT CAPITAL SERVICES. This letter requested documents bearing my signature to confirm any agreement with the said company. Request for Back-Up Documentation : In addition to the verification letter, I requested any supporting documentation demonstrating the existence of an account with LVNV FUNDING, LLC. This includes evidence that I granted permission for the company to furnish information to the credit reporting agencies. Affidavit of Truth and Cease and Desist Letter : I submitted a detailed Affidavit of Truth along with a cease and desist letter, urging the immediate cessation of all calls and collection efforts until proper documentation is provided. XX/XX/2023 Verification of Licensing : I provided evidence that LVNV FUNDING, LLC is not licensed as a debt collector in the state of Pennsylvania, where I reside, raising concerns about the legitimacy of their actions. Despite these efforts, both LVNV FUNDING, LLC, and the credit reporting agencies, specifically XXXX and XXXX, continue to report the disputed debt without adequate verification. XXXX removed the accounts upon dispute. This ongoing listing is not only inaccurate but also infringes upon my rights as outlined in the Fair Credit Reporting Act. Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Details of the Violating Entity : Company : LVNV FUNDING, LLC Representative : RESURGENT CAPITAL SERVICES Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: the debt collector engaged in abusive, deceptive and unfair practices of the FDCPA, which is prohibited. They furnished MULTIPLE accountS that I did not agree upon and i didnt sign an agreement on. A legal contract is signed by two parties ana I did not participate in any of it. More so they did not follow the proper 5 step validation procedures which makes this unfair. In addition, they did not have prior consent to communicate with me. The debt collector can not rely on consent given to a previous creditor or debt collector to communicate with me. According to the FDCPA i am entitled to {$1000.00} dollars per violation and clearly they violated my rights
Company Response:
State: WI
Zip: 54952
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out to this company multiple times asking to prove that I owe this debt to their company. I haven't received any responses.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out to this company multiple times asking to prove that this is my debt. i haven't received any responses. I have never opened any accounts with this company.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A