Date Received: 2023-09-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt collection agency has engaged in prohibited practices under the FDCPA, which include abusive, deceptive, and unfair conduct. They have reported an account for which there was no agreement or signed contract on my part. A legal contract necessitates the agreement of both parties, and I was not involved in any such agreement. Furthermore, they failed to follow the proper five-step validation procedure, further contributing to these unfair practices. The balance on my credit report does not match the balance I have with the original creditor. Additionally, there are discrepancies in the data they have furnished. It raises questions when the " date last active '' differs from what another credit bureau is reporting, as all information should be both complete and accurate. Moreover, I was never provided with correspondence notifying me that this account was sold to LVNV FUNDING LLC, which is a clear violation of regulations. There was no communication sent to me by mail leading up to the reporting of this collection account, even though it was added in XX/XX/2022. I am formally requesting a copy of any correspondence that was mailed to me during that time, informing me of the debt with your company. Failure to provide this documentation would constitute another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed and payment is not made within 15 days, I will have no choice but to involve my legal attorney to pursue this matter through small claims court.
Company Response:
State: TX
Zip: 75071
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: Confusing or missing disclosures
Subissue:
Consumer Complaint: Lvnv funding furnished inaccurate information to a third party debt collector/attorney XXXX XXXX XXXX trying to collect on an alleged debt and take me to court. On my consumer report it states XXXX they put XXXX. I dont know of any debt. I wrote them back stating the violations they both are in.it is a closed account and STILL reporting. According to 15 usc 1681 ( a ) and 15 usc 1692c ACCURACY is a must on the consumer report.
Company Response:
State: MI
Zip: 48846
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: RESURGENT/LVNV FUNDING Account Name RESURGENT/LVNXXXX FUNDING Account Number Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1600.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1600.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$1600.00} Highest Balance - Terms 1 Months On Record Until XXXX XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX for this period Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX. Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XXXX XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00} XX/XX/XXXX {$1600.00} {$0.00} {$0.00}
Company Response:
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Alleged debt was purchased by this collection company and on XXXX I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking LVNV and Resurgent Capital Services to provide a list of documents they never provided. Instead, a simple statements ( or more ) were sent, along with a letter ( Not certified by any entity ) that explain 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: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Alleged debt was purchased by this collection company and on XXXX I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking XXXX and Resurgent Capital XXXX to provide a list of documents they never provided. Instead, a simple statements ( or more ) were sent, along with a letter ( Not certified by any entity ) that explain 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: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested the original purchase agreement showing their ownership of this alleged debt. Requested a Debt Validation Letter but never got it. Dates requested XX/XX/XXXXXXXX and XX/XX/XXXX.
Company Response:
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Debt was not mines and was a billing error 15 US code 1666B
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Received a call from XXXX stating that I needed to contact XXXX LVNV Funding because they were suing me. I called them on XX/XX/XXXX at XXXXXXXX XXXX XXXX I asked what this was about and was told that it was from XX/XX/XXXX and I had refused to pay a bill. I had to ask several times who and what this was for. He told me I knew and I stated I had nothing on credit file in reference to this. I was told I did not know anything about credit. I asked if they were filing a suit in XXXX XXXX court and kept being told they were going to take money from my bank and work. Then he called me a maggot several times and hung up.
Company Response:
State: MO
Zip: 64012
Submitted Via: Web
Date Sent: 2023-09-22
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 was result of identity theft
Consumer Complaint: LVNV Funding Inc was sent a cease and desist letter in XX/XX/2023 and was notified of these accounts arising from identity theft. A report from the FTC was generated and submitted. LVNV still wrongfully attempted to collect this debt and is acting as a third party of which there is no original contract with. LVNV and XXXX XXXX XXXX XXXX .wrongfully debited {$1500.00} from a bank account that was not authorized this amount. There was also in fact a payment plan in place in which XXXX XXXX XXXXXXXX XXXX wrongfully debited an amount that was NOT authorized. These are in fact unfair debt collecting acts and go against the FCRA laws. See attachments of identity theft form and cease and desist dispute letters.
Company Response:
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've sent several letters requesting a contract with my signature to prove this debt is mine. I have received nothing from them. I have also requested that they stop reporting monthly to the credit bureaus that this account is in collections. They are reporting collections as payment history which is negatively affecting my credit rating. Per the Fair Credit Act, this is illegal and not allowed.
Company Response:
State: NC
Zip: 28304
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A