Date Received: 2023-11-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV FUNDING LLC PUT 4 COLLECTION ON MY CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like them removed
Company Response:
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not know LVNV Funding is nor have I ever done business with them or been lent anything by this company for me to owe such debt, nor do I agree with this debt on my credit report as I never signed any type of contract with such company. They have yet to provide me with the original contract as I requested. They can not give me any information to show that this is debt I owe.
Company Response:
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company has failed to provide comprehensive and compliant responses to my requests for debt validation, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. Importantly, I wish to highlight that they received both of my validation request letters, dated XXXX XXXX XXXX, and XX/XX/. In these letters, I explicitly requested the necessary information to validate the debt. Despite acknowledging receipt and providing responses, the information supplied remains insufficient and does not establish my connection to the alleged debt. Given my history of compromised personal information due to online security breaches, it is imperative that Resurgent Capital Services L.P. provides substantial proof, especially in light of the continuation of reporting that appears to be fraudulent. There is no photographic identification or any other evidence demonstrating that the debt is indeed mine.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a persistent issue that has significantly impacted my credit profile, concerning your entity, LVNV Funding LLC, also known as Resurgent Capital Services. Upon discovering LVNV Funding LLC 's involvement in my credit history, I was surprised by the lack of prior notification or awareness regarding the reopening of a previously disputed and closed accountan action taken by LVNV Funding LLC. In 2018, when I first became aware of this account, I questioned its legitimacy and requested a signed copy of the contract associated with it. Unfortunately, my inquiries were met with evasive responses, complicated by personal circumstances, leading me to discontinue pursuing the matter. It is crucial to note that, although the account was subsequently closed, and the debt was charged off, I consistently disputed its validity with both the credit reporting agencies and the account holder. Despite my efforts, this issue has resurfaced, as LVNV Funding is now actively pursuing the account, reporting it as open and delinquent throughout this period. On multiple occasions, I have requested LVNV Funding to provide a signed copy of the contract in accordance with the provisions outlined in Virginia Statute XXXX and the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX. Regrettably, instead of producing the requested documentation, they have responded with a mere screenshot printout of the debt. They also provided a print out of a 2018 contract that is not even signed nor is it the date of when this said account was established. They are fraduantly providing documentation and this does not establish that I personally entered into the contracta central point of contention in this matternor does it specify the origin of the purchases on said account. Given LVNV Funding 's failure to substantiate the validity of this debt by providing the necessary documentation, I hereby demand the complete removal and deletion of the said account from my credit report. This request is based on grounds of violations of Virginia Statute, the Fair Credit Reporting Act ( FCRA ), the FDCPA, and potential defamation of character.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this in the past and would like only the date of first delinquency so I can know the exact date that it comes off my credit report and so I can dispute it if it is incorrect. I have attached a previous response from XXXX but the information is not clear about the date of first delinquency and the date it will be off of my credit report. In the attached documents it appears that it first became delinquent in XXXX of XXXX and was charged off in XXXX of XXXX.
Company Response:
State: CA
Zip: 93004
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
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 prohibits. They furnish this account that we didnt agree upon and I didn't 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 makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed unauthorized inquiry on my credit report. In accordance with the FCRA Fair Credit Reporting Act, the account listed below has violated my Federal protected consumer rights to privacy and confidentiality under 15USC 1681. Credit card was opened in my name with XXXX XXXX XXXX XXXX Balance showed {$10.00} which was sold to collection company, LVNV Funding LLC, showing a balance of {$460.00}. XXXXXXXX XXXX XXXX charged off the debt after not receiving payment. Once charged off, they write it against their taxes. After 4 months this becomes taxable income. Therefore, a company can no longer try to collect the debt, nor sale to a collection company. This is illegal and a violation. They " XXXXXXXX XXXX XXXX '' can not charge off the debt and try to retrieve or dell debt to " LVNV Funding LLC ''. Therefore, this alleged debt must be deleted and removed from my credit report. According to FCRA Fair Credit Reporting Act, unauthorized the items must be removed.
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2020 RESURGENT RECEIVABLES LL started reporting on my credit report. last month I personally wrote this company and let them know I did not consent to having them report on my consumer report I actually sent them a notice to XXXX XXXX XXXX all XXXX through ANY and ALL mediums including my consumer report. This company is practicing fraudulent XXXX XXXX practices and continuing to further harm me as the consumer. I have a right to have my consumer report reflect me in an equitable light and this company is in violation of that right. This company is also in violation of buying my personal information without written consent from the consumer.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A