Date Received: 2023-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I looked at my credit report and saw this company claiming that I owe them a debt. I contacted through their website, requesting documentation that said I agreed to pay them anything, and proof of them being the Original Creditor. Over 60 days have passed and I have not been contacted by anyone nor have I received any Document that I requested. I also asked that they removed their information from my credit report immediately. Also they have incorrect information about my home address. LVNV FUNDING LLC Reported on my credit report that I owed them XXXX XXXX Balance updated XXXX XXXX XXXX Contact info Name : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Disputed twice with XXXX and came back as verified. However, with XXXX it was deleted due to not providing the purchase agreement and payment history as request.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ive spent months trying to communicate with the credit card company XXXX XXXXXXXX XXXX, without resolve they sold the debt without my consent. Ive sent a complaint in before and all that was sent back to my address were statements, there was no proof or signatures shown anywhere in the documentation sent. After this company sold the debt to a debt buyer whom theyd given my information over to, with constant emails, harassment, which cause stress, anxiety and fear.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm in the middle of purchasing a new home. The lender pulled my credit and identified a decrease of XXXX points due to a newly reported collection on XX/XX/23 : Original Creditor XXXX XXXX XXXX XXXX XXXX : Resurgent/LVNV Funding ( XXXX ) XXXX After speaking to the collection agency, I called XXXX XXXX and they confirmed that they never reported my information to the collection agency. The collection agency is no longer responding.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
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 have been trying to dispute the {$390.00} for over a year now with multiple disputes. I have not received any items from this company. I have asked the company if they can provide me with the tracking number so that I track or see if the item was delivered. LVNV FUNDING LLC has refused to give me any information so I could dispute it with credit bureaus. This company has also added this on my credit report without notice.
Company Response:
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX has done everything in their power to fight me on removing this from my credit file, this debt collector bought this from someone else and listed on my credit on XXXX as the open date XX/XX/XXXX XXXX. They have a lot of inaccuracies on this account and I never attended the school. Then I have LVNV Funding LLC I have reached out to the credit bureau many times and filed many disputes, and there is XXXX another collection agency, on my credit I have contacted the credit bureaus and agencies because all XXXX of these are resold accounts with inaccurate information and they change the information on my credit each month, the things they are going against the law 15 U.S.C S.1692d
Company Response:
State: MD
Zip: 21001
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I'm not liable for the debt of {$550.00}. I don't have a contract with RESURGENT RECEIVABLES and I did not signed any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original credit XXXX XXXX XX/XX/2023 and declared my card stolen and reported unauthorized transactions had occurred with my card. As a result XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
Company Response:
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My mother stole my identity back in XXXX XXXX and opened up several credit cards in my name. She had all my information because I am her daughter. She never paid off the full amount of credit cards and the bills went to collections. I never authorized these accounts to be open.
Company Response:
State: CT
Zip: 06040
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My mother stole my identity back in XXXXXXXX XXXX and opened up several credit cards in my name. She had all my information because I am her daughter. She never paid off the full amount of credit cards and the bills went to collections. I never authorized these accounts to be open.
Company Response:
State: CT
Zip: 06040
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A