Date Received: 2023-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Last week I received a letter from XXXX XXXX XXXX XXXX stating that they are a debt collector trying to collect a debt that I allegedly owe LVNV Funding LLC. I do not owe LVNV Funding LLC anything. I have never had any contract with or obligation to them. I dispute the entirety of the alleged debt. This is my formal notice to them to cease and desist all contact with me ( including spouse and family members ) from all sources other than the US Postal Services and that is if and only if, it is : 1 ) To provide documentation that validates the alleged debt, which should include all official, certified, unredacted documents, including all forward flow agreements, as well as the alleged original creditor information 2 ) To provide proof that I have any legal obligation to pay you or LVNV 3 ) To inform me that you have zeroed this alleged debt and disassociated it from me 4 ) To inform me that you have removed all references to the alleged debts account number from all credit reporting agencies and that you have informed them to delete the same 5 ) To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector and/or 6 ) To inform me that you have issued settlement funds for violations for actual, civil, and/or statutory damages in an amount that is to be determined.
Company Response:
State: CA
Zip: 90745
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: Electronic communications
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Resurgent Capital services violated the FDCPA. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Company Response:
State: CA
Zip: 92201
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: Credit card Im my name was acquired fraudulently and debit was sold to LVNV Funding collection agency. Spoke with representatives at LVNV and had dispute filed through a credit repair company. I also disputed the account with all 3 bureaus and the dispute met all FCRA requirements. This company is still harassing me for payment and refuses to remove the negative account from my credit reports.
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I inquired about debt that was on my credit report. Most of this debt happened when i was incarcerated. I didn't open any of these lines of credit. Also : 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: they called during the time i was at work. i kept receiving the calls through out the week so i picked up and during the conversation they were trying to identify some debts that i willing to settle with them during that conversation i did ask for an employee number and asked for me to consider this a legit phone call i would like something in writing or emailed about the two account i did verified with them about two defaulted credit cards and while i told the representative to hold on a sec she casually slipped some third acct that i allegedly owe while i was speaking to my worker and then what seemed like she took that piece of recording as confirmation of that debt validation which was personal loan from XXXX XXXX according to my credit report. after that the conversation became unfriendly and difficult and never received and letter or email or phone call from them as i recall.
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Called and emailed resurgent ( LVNV Funding LLC ) have submitted a prior complaint with CFPB ) they will not validate debt. Ive given this debt collector a fair opportunity to provide what I requested and they have failed. Id like to have debt removed from my credit report asap! Id also like an investigation open as this company is not following fair consumer credit reporting guidelines.
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding LLC {$420.00} XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Company Response:
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX sold my debt to resergent capitol witch is the third party collector resergent says they don't have the debt for the amount of XXXX
Company Response:
State: OH
Zip: 45417
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: 2023-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC {$690.00} XX/XX/2022 THESE NOT MY ACCOUNT I HAVE NO KNOWLEAGE OF THESE ACCOUNT NOR DID I AUTHROIZE ANY ONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDTORS ARE VOLIATES SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEAMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/ I asked the company to send me proof of the wet signature for the alleged contract for the creditor. On XXXX they sent nothing more than a billing statement from the original creditor. This is violation of my privacy and consumer rights 15 US Code 1681s-2 responsibilities of furnishers of information to consumer reporting agencies. This information is inaccurate and has caused pain and suffering as well as time wasted. The IRS clearly defines a charge off as gross or ordinary income. Income does not get reported on the consumer report which in fact makes your reporting of this account inaccurate.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A