Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX original debtor XXXX XXXX {$320.00} - balance XX/XX/2021 XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/2021 Due to the 15 us C 1681 602 section I am not liable for this debt I don't. have a contract with this company!. I demand that this account be remove from my Credit, reports immediately. XXXX XXXX XXXX Thanking you in Advance for your promptness
Company Response:
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: This company states I owe {$1500.00} back from 2012, and the statute of limitations has passed. I do not owe them anything.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious matter regarding the inaccurate reporting of a debt on my credit reports by LVNV Funding, a debt collector, which is having a detrimental impact on my financial well-being. As of today, Wednesday, XX/XX/2023, I have been diligently working to address this issue by contacting LVNV Funding and their servicer, Resurgent Capital Services, in an attempt to obtain the necessary account records and proof that this debt is indeed mine. Regrettably, my efforts have been met with frustration and a complete lack of cooperation from these entities. This debt collection agency told me yesterday ( representatives XXXX, XXXX and XXXX ) on XXXX separate calls that they don't see anything for me, have anything to provide me. Today I called and a representative by name of XXXX says she has something but very cryptic about the info and can't immediately provide it to me? But at this very moment this very company is on all THREE credit bureaus ( please see attached ) destroying my livelihood? Despite numerous attempts, both LVNV Funding and Resurgent Capital Services have consistently claimed that no record of this debt exists under my name. To my disbelief, yesterday ( XXXX ) the supervisor for Resurgent Capital Services aka LVNV, XXXX, essentially told me to stop calling as they insisted they had no information under my name. This is not only uncooperative but also highly concerning given the impact this situation is having on my credit. I have attached copies of my credit reports from all three major credit reporting bureaus, XXXX, XXXX, and XXXX, for your reference. As you can see, LVNV Funding 's reporting of this debt has resulted in a significant negative mark on my credit reports, which is unjust and damaging to my financial standing. I have taken the initiative to notify XXXX, XXXX, and XXXX about this issue, providing them with the relevant information. However, to my dismay, they have claimed that they have already investigated the information and have concluded that the debt is indeed mine. This response is both disheartening and troubling, as it appears that these credit reporting agencies are neglecting their fundamental duty to conduct thorough and accurate investigations. I urgently request the intervention of the Consumer Financial Protection Bureau to rectify this situation. It is imperative that the negative mark on my credit reports, attributed to LVNV Funding, be removed immediately. I am suffering the consequences of this inaccurate reporting through no fault of my own, and it is affecting my ability to secure credit, housing, and other essential financial opportunities. I kindly request that you investigate this matter thoroughly and take the necessary actions to ensure the removal of the erroneous information from all three credit reporting bureaus. I believe that the attached credit reports, along with the lack of cooperation from LVNV Funding and Resurgent Capital Services, provide sufficient evidence of the inaccuracy of this debt on my credit reports. I am grateful for your attention to this pressing issue and look forward to a prompt resolution. If you require any additional information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number. Thank you for your assistance in rectifying this matter and restoring the accuracy of my credit reports. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: LVNV Funding LLC is claiming I owe a debt to them for the amount of {$8000.00}. I have requested they provide documentation where I signed and got into a contract with LVNV Funding LLC showing I owe them. They have not provided documentation requested and they have posted the collection on my credit report which has negatively impacted my credit report preventing me to be approved for a credit card and vehicle purchase which I desperately need.
Company Response:
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Regarding my previous complaint under the # XXXX I REQUESTED THE SPECIFIC SIGNED BILL OR RECEIPT OF THIS TRANSACTION THAT SHOWS FOR HOW MUCH Resurgent Acquisitions LLC BOUGHT THIS ACCOUNT... THIS COMAPANY FAIL TO PROVIDE ME ANY SIGNED DOCUMENTS THAT HAS BEEN REQUESTED BY MY PERSON .... If in 10 days of this new complaint Resurgent Acquisitions LLC FAILED TO PROVIDE ME ALL OF THE SIGNED DOCUMENTATION THAT HAS BEEN REQUESTED BY MY PERSON I WILL IMMEDIATELY FILE A LAWSUIT AGAINST Resurgent Acquisitions LLC FOR HIDDEN AND NEGLECTING TO PROVIDE ME SIGNED DOCUMENTATION FOR THIS ACCOUNT THAT HAVE MY PERSONAL AND FEDERAL INFORMATION IN IT... Resurgent Acquisitions LLC JUST SEND ME A RANDOM PDF DOCUMENT STATING THEY BOUGHT THIS ACCOUNT FROM THE ORIGINAL CREDITOR FOR XXXX XXXX BUT OFCOURSE NO SIGNED BILL OR RECIEPT THAT PROOF THIS IS TRUE AND NEITHER FOR HOW MUCH THEY BOUGHT THIS ACCOUNT ( SEE ATTACHMENT )
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Noticed four items on credit report for LVNV Funding - I have never opened an account with LVNV Funding LLC, that they are saying I opened XX/XX/2022. Did try disputing with credit bureaus - no luck.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company is stating that I opened up 4 accounts. It says I owe them $ XXXXon 4 different accounts. I explained to them that someone stole my social security number. I proceeded to ask if I can speak with someone that can help me because I didn't open these accounts. They said that there was nothing that they could do for me and that i would have to pay.
Company Response:
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XXXX, 2022 I have sent to RESURGENT CAPITAL SVCS LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to show me that this account is mine. As per the DFCPA, RESURGENT CAPITAL SVCS LP must show that this acct is mine showing any existing contract or application signed by me with my social security number.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XXXX, 2022 I have sent to RESURGENT CAPITAL SVCS LP, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to show me that this account is mine. As per the XXXX, RESURGENT CAPITAL SVCS LP must show that this acct is mine showing any existing contract or application signed by me with my social security number.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
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: 33155
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A