Date Received: 2023-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Date Assigned : XX/XX/23 Amount Owed : {$1800.00} never did any business with this collection agency, Im being extorted and scammed Ive never had any business with them or signed a contract. I never gave any third party to report anything against me either or information. I dont know who this company is and this information is erroneous. I want these items removed off my credit report immediately.
Company Response:
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent Capital is literally resurging debts that have been cleared. This is the second time in 2 years they attempted to collect on debts that were dismissed in a XXXX over 13 years ago. They have been told this, but here we are again. They are sending letters and nonstop calling threatening lawsuits and collections. But they are trying to get paid on debts that were considered closed. Its a shady business practice
Company Response:
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Resurgent Capital is literally resurging debts that have been cleared. This is the second time in 2 years they attempted to collect on debts that were dismissed in a BK over 13 years ago. They have been told this, but here we are again. They are sending letters and nonstop calling threatening lawsuits and collections. But they are trying to get paid on debts that were considered closed. Its a shady business practice
Company Response:
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not responsible for this account. This was opened in my name unknowingly and I need this removed off my credit report.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed an account on my credit reports from a company called LVNV FUNDING LLC that I had no business relationship with. LVNV FUNDING LLC was attempting to collect on a an alleged debt in the amount of {$900.00}. I have had my identity stolen and sent LVNV FUNDING LLC a letter via certified mail XXXX, XXXX notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent LVNV FUNDING LLC account with the credit bureaus. LVNV FUNDING LLC however continued reporting this fraudulent LVNV FUNDING LLC account with the credit bureaus. I noticed LVNV FUNDING LLC still reporting this fraudulent LVNV FUNDING LLC account with the credit bureaus after I notified them about the identity theft. I then sent LVNV FUNDING LLC a DEBT VALIDATION LETTER via certified mail XXXX, XXXX requesting the agreement between LVNV FUNDING LLC and myself and the original application for the account. LVNV FUNDING LLC violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) LVNV FUNDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so. LVNV FUNDING LLC continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent LVNV FUNDING LLC account XX/XX/2023 on my credit reports. I then sent LVNV FUNDING LLC a FAILURE TO RESPOND letter via mail XX/XX/2023. LVNV FUNDING LLC violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. LVNV FUNDING LLC violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. LVNV FUNDING LLC violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) LVNV FUNDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so. LVNV FUNDING LLC continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, LVNV FUNDING LLC FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a LVNV FUNDING LLC letter via certified mail XX/XX/. LVNV FUNDING LLC violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent LVNV FUNDING LLC account XX/XX/XXXX on my credit reports and it is still there as of this filing.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt belongs to someone who lives in North Carolina. In fact, a North Carolina address is now showing up on my credit report. I have never lived in North Carolina.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. My request was sent certified mail on XX/XX/XXXX and XX/XX/XXXX and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed an account on my credit reports from a company called LVNV FUNDING LLC that I had no business relationship with. LVNV FUNDING LLC was attempting to collect on a an alleged debt in the amount of {$910.00}. I have had my identity stolen and sent LVNV FUNDING LLC a letter via certified mail XXXX, 2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent LVNV FUNDING LLC account with the credit bureaus. LVNV FUNDING LLC however continued reporting this fraudulent LVNV FUNDING LLC account with the credit bureaus. I noticed LVNV FUNDING LLC still reporting this fraudulent LVNV FUNDING LLC account with the credit bureaus after I notified them about the identity theft. I then sent LVNV FUNDING LLC a DEBT VALIDATION LETTER via certified mail XXXX, 2023 requesting the agreement between LVNV FUNDING LLC and myself and the original application for the account. LVNV FUNDING LLC violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) LVNV FUNDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so. LVNV FUNDING LLC continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent LVNV FUNDING LLC account XX/XX/2023 on my credit reports. I then sent LVNV FUNDING LLC a FAILURE TO RESPOND letter via mail XX/XX/2023. LVNV FUNDING LLC violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. LVNV FUNDING LLC violated the FDCPA XXXX5 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. LVNV FUNDING LLC violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) LVNV FUNDING LLC was required to cease collection efforts until the alleged debt was validated but failed to do so. LVNV FUNDING LLC continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, LVNV FUNDING LLC FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a LVNV FUNDING LLC letter via certified mail XX/XX/2023. LVNV FUNDING LLC violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent LVNV FUNDING LLC account XX/XX/2023 on my credit reports and it is still there as of this filing.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: XXXX XXXX brought XXXX XXXX XXXX XXXX account that was in collections now its saying I owe them money I asked for Verification of this account from being on the owner of this account before even being bought I also asked for them to send me some type of verification that my Signature is on this account and the old account because I never signed up for no account at all
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have asked on multiple occasions that LVN remove me from their records and to provide me with written proof in accordance to the XXXX and FDCPA of any original wet ink written agreements of me entering into contract with LVN. To show provide proof that I gave my written consent to them to report any positive or negative items on my credit profile and to show any proof that I owe them any debts related to services Ive accepted from them. LVN continues to harass me with threatening language via mail, phone calls, and text. They are damaging my reputation and continues to use my name fraudulently. I have asked them to remove this account and any all negative information associated with my name, the likeness of my name and any addresses current or past
Company Response:
State: TX
Zip: 78239
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A