Date Received: 2023-10-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have sent XXXX dispute letters to the creditor : LVNV Funding/Resurgent Capital, requesting ALL requested information to fully validate this alleged debt and they have refused to send the requested information. In lieu of the requested information, I have received a BILLING summary, which is NOT proof of ownership and the right to collect on the debt and copies of the alleged monthly billing cycles. I have NOT received the FULL original account number of the alleged debt, or my written signature for the alleged debt.
Company Response:
State: MI
Zip: 48910
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I am in need of help because I am being harassed by a debt collector who repeatedly is calling me after I told them that it was inconvenient time to call me, but they didnt stop there. I have a recording of them telling me that I was a bad time to call and I also have screenshots of them calling at the same time making me feel uncomfortable then they called my job and my employer and that was the last straw. I looked up this law 15 USC 1692, which is in the FDCPA and section 69 to see a one. It says any unusual time or place known What should be known to be a convenient to the consumer is the absence of knowledge circumstances on the contrary, a debt collector, so assume that a convenient time for communicating with the consumer is after XXXX XXXX, and before XXXX XXXX post to XXXX local time at the consumers location which means that if I told him its not a good time they should not call me back those are convenient. Plus they shouldnt call my employer, which also violated under FDCPA. I am writing to express my deep concern and dissatisfaction regarding the conduct of a collection agency that has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and has negatively impacted my credit history. 15 U.S. Code 1692c - Communication in connection with debt collection I dispute the illegal actions taken by LVNV FUNDING and the inaccuracies they have reported on my credit report. The specific concerns I have are as follows : Violation of FDCPA : LVNV FUNDING has engaged in actions that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692c ( a ) ( 1 ). They have contacted my employer regarding my debt without my consent, a direct violation of this federal law. This violation is supported by relevant case law. For instance, the case of XXXX XXXX XXXX, XXXX, Defendant. Case No. : XXXX ] highlighted the importance of adhering to the FDCPA and respecting consumer rights. In this case, it was ruled that debt collectors must not contact a consumer 's employer without consent. This serves as an example of the legal precedence set in cases where credit reporting inaccuracies led to negative consequences for the consumer. This case reinforces the importance of accurate reporting by debt collectors and credit bureaus. I have taken appropriate steps by disputing this with the collection agency directly. However, I am writing to you, as a credit reporting agency, to request your assistance in investigating this matter and ensuring the accuracy and fairness of my credit report. I kindly request that you : Conduct an independent investigation into the accuracy of the information provided by XXXX XXXX I demand the following accounts be verified or removed immediately. XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX in connection with debt collection
Company Response:
State: AZ
Zip: 85013
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have written several letters and given affidavits to the credit bureaus along with each to this company listed with police reports, and letters and reported them to other related organizations, Matters are still not resolved it has been two years with evidence of these alleged debts and violations! 15 USC 1692g Validation of Debt. I will report this company along with the credit bureaus to the attorney general office.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done.. XXXX XXXX XXXXXXXX XXXX
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i was trying to inquire about house to buy with option to rent, they check my credit reporting and made me aware of various inquiries that do not belong to me. Due to my reporting showing this item, I am unable to move forward on my daily living.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am currently going through divorce, I have a certain of amount of time to regain legs after this ordeal, on XX/XX/2023 I looked at my credit profile and noticed some collections accounts I knew nothing of. I disputed the collections, which to LVNV did not respond. XXXX XXXX responded as the image I will load titled XXXX XXXX, they claim they have contracted with LVNV to collect on this account. I am aware of the FDCPA and laws collection agencies must adhere to, there are multiple violations as shown in attached file XXXX XXXX No proof of claim was sent to me by LVNV instead they contracted/sold my personal information to XXXX XXXX while they still report LVNV on my credit profile, at this point I feel deceived and mislead do I owe XXXX XXXX, LVNV, or XXXX XXXX. XXXX XXXX and LVNV have violated my rights under the FDCPA with no Proof of Claim which they have not provide by law they must deleted from my credit profile.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MO
Zip: 64133
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: About XX/XX/2023 I recieved a letter from LVNV Funding LLC who does not own the debt and they treaten to sue me if I dont pay off the debt owed from the bank. I responded asking them to send me proof that I owe the debt from them and gave them the proper 60 buisness days to send it. I never recieved proof and instead ( around early XXXXXX/XX/2023 ) I was issued serving papers. Well my lawyers did not inform me my representative left me and so when they rendered a default judgement on XX/XX/2023 the one representing my case bungled it and then LVNV refused to take our calls. Finally they did on XX/XX/2023 and said the interest was growing and they were not interested in a deal.
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX XXXX XXXXXXXX lied and stated the following were not be reported on my credit report. XXXX XXXX XXXX RESURGENT CAPITAL LLC XXXX XXXX AND RESURGENT were both sent cease and desist letters which ceasing of all communication including ceasing of collections of debts. Proof that XXXX is in violation as well as XXXX XXXX and RESURGENT CAPITAL LLC. This is FINAL NOTICE to remove stated accounts IMMEDIATELY! If not removed I will proceed with civil action as the same violations keep occurring. Companies will be held liable for all damages that have occurred from their failure to adhere to the law and my rights!
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A