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/ 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 XXXXXXXX XXXX XXXX XXXX XXXX, SC 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: LVNV was notified in XXXX that the account did not belong to me. LVNV ( XXXX XXXX was asked for proof that this account was opened by me. The only information I received from LVNV ( Resurgent ) regarding this account was the name of the original creditor, account number and that I owed a balance. I waited approximately 30 days to allow for further correspondence but it was never received. I followed up with LVNV ( Resurgent ) to ask for the status and they advised that the original Supervisor XXXX didn't properly document the dispute and send the necessary documentation. A copy of the FTC Identity Theft affidavit was sent to LVNV electronically and was acknowledged by XXXX XXXX. After that acknowledgement, I contacted LVNV to inquire when the account will be closed and the tradeline deleted from the credit bureau. LVNV continued to try to collect on the account despite knowing that it was identity theft. LVNV has rejected the credit bureaus request to investigate/delete the tradeline. As a result of this account, I have been denied my mortgage loan and have suffered monetary damages.
Company Response:
State: FL
Zip: 32174
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I do not agree with the previous response received from this company!! I am not liable for this debt of {$430.00} with LVNV FUNDING LLC, LVNV FUNDIN LLC Account Number : XXXX I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested wit my wet signature and ID verification. Also on my recent report it is showing a positive payment history of on time payments going up to XXXX and that the account opened in XXXX of 2022 but how is that possible if I never had a contract with lvnv funding llc! I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.
Company Response:
State: FL
Zip: 33647
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was a victim of XXXX data breach and inaccurate information needs to be removed.
Company Response:
State: LA
Zip: 70802
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not recognize these accounts, investigate and delete from my credit file. My personal information has been exposed. These accounts are XXXX and LVNV funding.
Company Response:
State: MA
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: 2023-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am contacting an attorney after this email. Resurgent Capital Services XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX is trying to collect a XXXX and XXXX old debt that is not mine and is DEFINITELY NOT THEIRS!!!! THIS IS RIDICULOUS AND SHOULD BE ILLEGAL! THIS BETTER NOT SHOW UP ON MY OR ANYONES CREDIT BEING NEARLY 16 YRS OLD GET A LIFE AND A REAL JOB WORKING FOR YOUR MONEY!!!!!!! THEY DO NOT EVEN HAVE A CORRECT NAME FOR THE ADDRESS! AFTER 15 YRS I AM CERTAIN THEY HAVE NO INFO ON ANYONE, PATHETIC!
Company Response:
State: TN
Zip: 37660
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 paid
Consumer Complaint: I don't have account informations, they will not provide me with them. XXXX back refused to provide me with proof of payments. I was trying to get a mortgage at this time and payoff bad debt, they told me they had a order that said they couldn't send me any information, do they refused to send me any records of my payments. My mortgage fell through due to this. 45 days later everything was removed from my credit report then 1 and 1/2 later XXXX of XXXX bank debts came back on my report that I already paid. They sued me for XXXX, so I was forced to pay it again, I have repeatedly yold them I don't owe them it. Thank you
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
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 sent a certified letter to LVNV Funding LLC to formally dispute an alleged debt that appeared on my credit report dated XXXX In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. LVNV did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the XXXX and XXXX reports. I sent certified letters to both XXXX and XXXX to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .
Company Response:
State: NC
Zip: 28115
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: My credit report has listed this company as collection. I've sent XXXX letters to the company in hopes of have this misinformation deleted from my credit report. I asked for proof but all of my requests have been ignored.
Company Response:
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A