Date Received: 2023-09-27
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I dispute the debt for validation, the consumer could not provide me with validation but only to send me a statement.I requested a signature contract proving that I allegedly owed them a debt and asked them to cease and desist collection efforts and to remove any negative remarks from my credit report. The consumer also shared my personal information without my written consent with another company.
Company Response:
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Upon trying to get XXXXXXXX XXXX cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over a XXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX Also a account for XXXX, LVNV FUNDING LLC XXXX and XXXX XXXX that i did not authorize.
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV has placed a debt on my credit that I paid XXXX XXXX XXXX for {$760.00}. I paid XXXX this amount on XX/XX/XXXX. I provided LVNV a letter from XXXX stating that the debt was paid, I also sent proof of payment from my bank statement. I emailed the info on XX/XX/XXXX and faxed the proof on XX/XX/XXXX. I have also called on 3 separate occasions. However, LVNV is stating they dont have enough info to remove the debt. LVNV bought the debt from XXXX who bought the debt from XXXX XXXX.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I received an email today from Resurgent Capital Services. It stated I was past due on an account from XXXX XXXX. They stated they were. Set contract LVNV Funding LLC to collect on this debt. I've never had an account with XXXX XXXX. I called XXXX XXXX and spent 30 minutes on the phone with them to confirm they have no record of me having an account either. So I gave up and called Resurgent despite not wanting to. But the email contained my name and looked genuine. Once on the phone, they told me there is a cease and desist on the account. So I asked why they are contacting me if there is a cease and desist and the lady said I had to give permission to remove it or she couldn't give me any more info. So I said go ahead. At which point she tells me there are two accounts and they are both over XXXX XXXX XXXX. So I hung up since they are zombie accounts and this debt collector should not have been trying to contact me in the first place. I believe this debt collector was trying to get me to deactivate an account that they know they can not collect on due to its age. I believe they intentionally sent me wrong information in their email to try and get around the cease and desist. I believe they are using this tactic with lots of customers, too.
Company Response:
State: TN
Zip: 37918
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/XXXX, I initiated my most recent dispute by sending a certified mail to LVNV FUNDING LLC. In this communication, I requested thorough verification of the debt, including but not limited to the original contract bearing my signature. Regrettably, I have not received any response from LVNV FUNDING LLC containing the requested documentation, nor have I received the 1099-C form. I also explicitly asked that they cease collection activities on this debt while the verification process is underway. Prior to this, on XX/XX/XXXX, I sent a certified letter to LVNV FUNDING LLC requesting the original contract pertaining to this debt. It is important to note that the original debt in question does not appear on my credit report, further necessitating clarification. However, my request for the original contract went unanswered, and the response I received merely stated that the debt had been " verified '' without providing any supporting documents. Additionally, on XX/XX/XXXX, I communicated with all three major credit bureaus to dispute the inclusion of the LVNV FUNDING LLC account on my credit report. I asserted that this account did not belong to me and requested its removal. Despite these efforts, the LVNV FUNDING LLC collection account continues to be reported by XXXX and XXXX. Then today XX/XX/XXXX I received a certified letter from the sheriffs department demanding payment. I have undertaken these actions in good faith to resolve the matter and ensure the accuracy of my credit report. It is my sincere hope that the Consumer Financial Protection Bureau ( CFPB ) can facilitate a thorough investigation into this dispute to ascertain the validity of the LVNV FUNDING LLC collection entry on my credit report. I urge your prompt attention to this matter as it significantly impacts my financial standing. Please do not hesitate to reach out if additional information or documentation is required to facilitate this investigation. I appreciate your assistance in resolving this matter and look forward to a prompt resolution.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a conscientious consumer, I take my financial obligations seriously and believe in the importance of responsible debt management. I have been contacted by Resurgent Debt Collectors regarding five separate accounts, all of which they claim I owe. However, despite multiple requests for validation and proof of these debts, Resurgent Debt XXXXollectors have yet to provide any satisfactory documentation to verify the validity and accuracy of these claims. I would like to emphasize that I am fully committed to resolving any legitimate debts that I may owe. However, I believe it is my right as a consumer to request and receive proper documentation and verification of these debts before proceeding with any further actions. My attempts to obtain this information directly from Resurgent Debt Collectors have been unsuccessful, and I believe their lack of response raises serious concerns about the accuracy and legality of their collection efforts. I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Resurgent Debt Collectors provide the necessary proof of debt for each of the five accounts in question. I believe that a thorough examination of this issue will not only protect my rights as a consumer but also uphold the principles of transparency and fairness in the debt collection process. Enclosed with this letter, you will find copies of my written requests to Resurgent Debt Collectors for validation of the debts, as well as any correspondence I have received from them. I am committed to cooperating fully with any investigation or inquiry that the Consumer Financial Protection Bureau may undertake to resolve this matter.
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding LLC for Violating my Rights and Illegitimate Debt Collection LVNV Funding LLC regarding their unlawful debt collection practices and their disregard for my rights as a consumer. Recently, I became aware of a debt that LVNV Funding LLC claims I owe, but I firmly believe this debt is a result of identity theft. I have taken all necessary steps to rectify the situation, including reporting the identity theft to the proper authorities and placing fraud alerts on my credit reports. Despite my efforts to resolve this issue, LVNV Funding LLC continues to aggressively pursue the collection of this debt without providing any substantial evidence or documentation to support their claims. Furthermore, they have not acknowledged the possibility of identity theft or taken any steps to investigate the matter independently. I would like to bring to your attention the following violations of my rights : XXXX. Violation of My Right to Verification : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt within 30 days of receiving their initial notice. However, LVNV Funding LLC has not provided any valid supporting documentation verifying this debt despite multiple requests. XXXX. Ignoring the Dispute Process : The FDCPA also grants me the right to dispute the debt in question, and it is the responsibility of LVNV Funding LLC to investigate and respond to my dispute. However, they have blatantly disregarded this process and continued their relentless collection efforts. XXXX. Pursuing an Illegitimate Debt : As mentioned earlier, I have strong reason to believe that this debt is the result of identity theft. LVNV Funding LLC has failed to conduct a thorough investigation into the legitimacy of the debt, which is a direct violation of the provisions laid out by the Fair Credit Reporting Act ( FCRA ).
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Per the FDCPA, I have a right to request details of any debt from a collector and if they do not respond with my ask, then they are in violation. Now, I've received a letter from an attorneys office asking me if I want to file bankruptcy due to a suit that is coming to me. I have received collection letters from 3 different collection agencies on the same debt, and I have been writing the Credit Bureaus disputing the debt and asking for investigations and for an explanation and have not received it from the CB or nor from the collection agencies. The 1st letter was sent to the collection agencies on XXXX XXXX, XXXX. Subsequent letters were sent on XX/XX/XXXX & XX/XX/XXXX to the collection agencies. They were sent 'certified mail ' No response from them on my requests. Now they are trying to sue. Please see the letters attached.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Alleged debt was purchased by listed Collection Company or Representation on XX/XX/2023. I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking XXXX and Resurgent Capital Services to provide a list of documents they never provided. Instead, a simple account statements ( or two ) were sent, along with a letter ( Not certified by any entity ) explaining how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: No one is above the law. Any debt collectors have to obey the law, no matter how rich or powerful you are I want 100 % accuracies. Permissible purposes, its there to protect consumers privacy. This company has not received and written consent from me the consumer or an order from the court to report this alleged debt. The law states anything that has been issued by the government and its related to me is my identity, such as ssn, address dob. I decide what can be reported or not. Therefore who transferred my information to a different company its illegal.
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A