Date Received: 2023-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted Resurgent/LVLV Funding several times and asked for the harassment and furnishing of inaccurate information on my consumer report several times, yet you refuse to do the right thing. Before I continue to resolve and redress the damages and injuries done to me by your company. First things first, YOU HAVE NO RIGHT OR CONSENT TO HAVE MY PERSONAL INFORMATION. I have never given your company any written statement or right to harass, abuse or contact me. I have asked for you to cease and desist all communication over and over yet you still continue with the abuse.
Company Response:
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, I XXXX XXXX am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. ( {$2100.00} ) ( Alleged acct # XXXX ) I DO NOT HAVE A NOR EVER HAD A CONTRACT WITH XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me with the original contract, as I requested several time. THANK YOU! Also for so reason there is an issue with CFPB system where when I type Yes I did request information from the company, it shows up as NO & doesn't show what info I requested & doesn't show the answer No the company did not send the info. So, I'm letting the company know, YES, I requested info from the company & this is the info : Legal verification, original contract, other legal documents, I requested in my XXXX Notice ( XXXX ) & NO the did not provide any legal documents I requested
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX I received a letter from the court house stating a default judgement was decided against me by the XXXX XXXX. I had contacted this debt collector in timely response in XXXX when I received a letter stating I owed $ XXXX to them. Upon contacting the debt collector the original account was assigned to an address I have never lived at and was for a creditor ( XXXX ) which I have never once had any form of account with. The lady on the phone did nothing to help further a resolution to this she simply asked for my current address and said they would mail me some documents and follow up with a call. None of which had happened. They continued, despite my dispute and request for more info, to continue a legal suit without my knowledge. They then humiliated me by filing the court case in public records, and defamed me and my credit for a debt which is in no way shape or form my responsibility. They have never gave me more info and have ignored me just to steal roll a judgement through the courts without my knowledge.
Company Response:
State: OH
Zip: 43140
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV FUNDING LLC Has place a collection on my credit report, I have requested multiple times proper verification and validation of this account in question, company has failed to provided me with such documentation. Account info Account name RESURGENT/LVNV FUNDING Account number XXXX This account has also been dispute multiple this claiming they certify the accuracy of this account, however has failed to provided them to me, Also I requested step by step taken in this research and as per the fair credit act this company has failed to comply.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This belonged to a ex spouse and the wont delete. XXXX XXXX XXXX XXXX This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit. LVNV funding llc This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit.
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Subject : Complaint Against XXXX XXXX XXXX and LVNV FUNDING LLC Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX and LVNV FUNDING LLC regarding their handling of my credit card debt. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) have been violated. On XX/XX/2023, I discovered that XXXX XXXX XXXX had sold my debt to LVNV FUNDING LLC and subsequently closed my credit card account. However, to my dismay, the same credit card company later reopened my account and resumed reporting the debt, which I find to be both unfair and deceptive. I am deeply concerned about the legality of these actions and how they have impacted my credit score and financial stability. I believe that LVNV FUNDING LLC may have violated the FDCPA by engaging in practices that are deceptive, unfair, and abusive. Furthermore, XXXX XXXX XXXX may have violated the FCRA by inaccurately reporting my debt after reopening the account. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against both XXXX XXXX XXXX and LVNV FUNDING LLC if any violations are found. I have attached relevant documents, including statements, correspondence, and any proof of the aforementioned actions, to assist in your investigation. In addition to the aforementioned concerns, I am seeking both actual damages ( {$1000.00} according to FCRA ) to compensate for the financial losses and harm caused by the unfair and deceptive practices of XXXX XXXX XXXX and LVNV FUNDING LLC , as well as punitive damages of {$10000.00}. Punitive damages are being pursued to hold the parties accountable for their actions and to deter them from engaging in similar practices in the future. These damages are essential to ensuring a fair resolution and to serve as a deterrent against any potential misconduct by the involved entities. I appreciate your attention to this matter and thank you in advance for your prompt action. Please feel free to contact me if you require any additional information. Sincerely, XXXX XXXX
Company Response:
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting Act # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number. : {$280.00} In accordance with the Fair Credit Reporting Act # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number. : {$320.00} In accordance with the Fair Credit Reporting Act # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number. : {$460.00} In accordance with the Fair Credit Reporting Act # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX Account Number. : XXXX {$3200.00}
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: LVNV FUNDING, LLC has sued me and got a judgment against me without me being notified in the 1st place of the lawsuit. It does not state who my original debt is with. I do not recognize this debt or the amount ( {$1200.00} ). Their lawyer, XXXX XXXX XXXX XXXX, are demanding personal information that I should not hand over until I know exactly what debt this is and the detail of the debt or proper notice of trying to collect the debt. This is improper practice and this company has a long history of unethical practices and having their lawyers harass people. They are behind their lawyers bullying and threats of judgments.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Made payment through XXXXXXXX XXXX for XXXX dollar which was a balance due. Prior to payment XXXX never updated invoice and claim they will not once the account is paid off and closed. At which theyve sent the payment to resurgent but they refuse to delete debt collection off account unless they get a verbal response from XXXX XXXX Ive sent over bank statements as well as payment directly from the XXXX payment page before they lock me out of the portal. But unfortunately still nothing done in my favor and now XXXX is stating I never made an payments.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A