Date Received: 2023-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A fraudulent debt collector fraudulently opened a delinquent credit account under my name. I contacted XXXX directly after it appeared on my credit report as a collection, and during the conversation, XXXX noticed that I didnt even have a delinquent account, past or present, from the bank that this fraudulent credit agency reported. The account was created in thin air because there was NO past accounts from the bank reporting any unpaid amounts. And now Im the one that has to PROVE that the account never happened, YET THE FRAUDULENT collection agency NEVER had to PROVE anything to report a fictional account. Something is very WRONG with this situation, these credit agencies are supposed to be PROTECTING us from this abuse, not aiding in it and accepting it without any viable documentation of proof. Stop ALLOWING These bogus debt collectors from creating fictional accounts. It truly is pathetic. The name of the fraudulent debt collector is LVNV FUNDING LLC, also go by the name of Resurgent Capital Services LP, XXXX XXXX XXXX, XXXX, SC XXXX.
Company Response:
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT AND I SENT A FTC FRAUD AFFIDAVIT TO THE COMPANY AND REQUESTED THE ACCOUNT BE WITHDRAWN FROM BEING REPORTED ON MY XXXX ACCOUNT THE COLLECTION COMPANY IS STILL REFUSING TO REMOVE DEBT OFF CREDIT REPORT EVEN AFTER THE ORIGINAL CREDITOR XXXX XXXX XXXX WAS REMOVED OFF OF CREDOT REPORTS DUE TO THE IDENTITY THEFT LVNV ALSO SENT ME COPIES OF XXXX XXXX STATEMENTS FROM A ADDRESS THAT I MOVED FROM IN XXXX THOSE STATEMENTS ARE FROM XXXX. I AM NOT LIABLE FOR ANY DEBT OWED TO LVNV ESPECIALLY AFTER XXXX XXXXXXXX WHO THEY BROUGHT THIS FRAUDULENT DEBT FROM WAS REMOVED OFF OF ALL CREDIT REPORTS IN XXXX XXXX.LVNV WAS REMOVED AND BLOCKED OFF MY CREDIT REPORT XXXX XXXX AND SHOULD BE REMOVED OFF OF MY XXXX REPORT ALSO
Company Response:
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Its been effecting my credit for 7 years now i had my identity stolen and XXXX XXXX and XXXX XXXX bank kepts showing on my report
Company Response:
State: KY
Zip: 40165
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account " LVNV FUNDING LLC '' is fraudulent! I have NEVER had an account with XXXX XXXX who is the Original Creditor. I've completed a Police report and a FTC report ( which I've attached for record keeping purposes ). I intended to sue for the maximum amount that a Texas District Court allows under " Civil liability for willful noncompliance '' if this isn't removed from my credit report immediately. I have evidence to proof my case in court without reasonable doubt.
Company Response:
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contacted this company in XXXX XXXX XXXX regarding this account being fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX The company agreed to remove the account only to find out it was sold to a collection agency LVNV Funding LLC. Fraud report was provided
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted Resurgent Receivable about two accounts that they are reporting to my credit report. They are reporting these accounts fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and Resurgent Receivable. If no contractual obligation exists between us then how could I legitimately owe them for any debt? Resurgent Receivable claims to have purchased the debt from XXXX XXXX XXXX but my contract was between myself and XXXX XXXX XXXX, who I am in the process of entering into arbitration with. If Resurgent Receivabe continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation the FCRA, FDCPA, and for aggravated identity theft. Please see Resurgent Receivable info in identity theft report attached
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV - Reference Number : XXXX ( send to my email address Repeatedly ) Per XXXX Report : Account number XXXX LVNV Funding LLC Repeatedly Refused to verify this debt LVNV Funding LLC Repeatedly invaded my privacy by unjustifiably intruding into my personal life without my consent LVNV Funding LLC has Repeatedly, unjustifiably, intentionally deformed my character in public LVNV Funding LLC has violated federal law by improperly using my personal information in my credit report LVNV Funding LLC has Threatened to ruin my life and my reputation by keeping this collection in my credit ***In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below LVNV Funding LLC has violated my rights under 15 USC 1681 602 states ***I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. ***Under 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. I have mailed XXXX different request on XX/XX/2023 and XX/XX/2023 to both addresses LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX that the company to verify debt, In addition I have demanded that LVNV stops violating my rights by improper and incorrect reports-claims to my credit report damaging my reputation and causing deformation of my character ******It is time for LVNV FUNDING LLC to be held accountable // ***** By Law you LVNV FUNDING LLC are required to report negative personal information with Maximum Accuracy
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was walking through a rough area when two men suddenly XXXX me, taking my phone with personal data and my wallet containing IDs and cards. Later, they used my info to open fraudulent accounts, causing financial trouble. I've taken steps to report this identity theft and dispute the debts. Best regards, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have called and emailed this company multiple times about the debt they're claiming is mine. I have requested the original agreement and signed contract from this company to verify the debt under 15 USC 1692G. if the debt can not be validated I am at no obligation to pay under the FCRA 15 USC 1681
Company Response:
State: WV
Zip: 263XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A