Date Received: 2023-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I Paid this debt in full to another collection company years ago and LVNV has the same debt on my credit that has already been paid. THIS IS CONSIDER DOUBLE JEOPARDY. I have summited information to the bureaus over and over years ago and they will not remove it. I did have proof and had summited proof but it's been so long now that I do not have that company I paid this too. Also LVNV has been reporting each month on my credit as a missed payment and has up the total that was actually owed like they are the creditor. The amount that I shown XXXX which is incorrect. The report each month as a late payment. I do not owe this collection. I want it removed from all bureaus...
Company Response:
State: TN
Zip: 37148
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 paid
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 a account without my written instructions. 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.
Company Response:
State: TN
Zip: 37148
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services has been sending mail to my home and calling/texting my cell phone for a debt that is not mine and the person who owns the debt does not live with me. I have for 3 years been trying to remove my address and phone number from their system. In addition to continuing to contact me, they have sent me links, discussing the financials of the person who does owe the debt. I am a third party that should not have any access to the information of the person they are looking.
Company Response:
State: OH
Zip: 45215
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Back in XXXX my credit got messed up, XXXXXXXX XXXX XXXX put in on report, I totally understand, XXXX put in on my credit report twice with two XXXX companies, now after five years they sell it to LVNV funding and they mark my credit report for a third time, so this is being held against me for twelve years, they make it where you can never get on your feet. XXXX made a lot of money off me since XXXX when I first received the card. I don't think I should be terrorized by them for twelve years.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. Lvnv funding LLC, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact. PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate! By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate. 15 USC 1681s-2 states that you, XXXX company , are a furnisher of information to a consumer reporting agency. YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS publication. SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt. My Address is listed below! 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! XXXX XXXX
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper use of my information
Company Response:
State: CA
Zip: 95824
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to bring to your attention a concerning issue regarding LVNV Funding LLC, as well as the credit reporting companies involved XXXX, which I believe did not conduct a thorough investigation into the account listed on my credit report. The details of the account in question are as follows : LVNV Funding LLC Corporate Office : XXXX XXXX XXXX, XXXX, SC XXXX TransUnion Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Account type : Collection/Charge off I disputed the accuracy of the information reported by LVNV Funding LLC XXXX as indicated by the comment " Account information disputed by consumer, meets FCRA requirements. '' According to the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debt that is reported on my credit report. I am exercising that right by requesting that LVNV Funding LLC provide me with the following information : Verification of the debt, including documentation of the original contract or agreement. The name and contact information of the original creditor A complete account history, including details of all transactions and charges related to this debt. Proof of the amount and validity of the debt, including any itemized breakdown of charges. The name and contact information of any third-party collection agency involved in the collection of this debt. Complete payment history Proof of Photo ID, Full Security Number, DL The obligations between LVNV Funding LLC and myself that allows you to collect this debt and any documentation from your company that binds me to an agreement to pay your company. Letter of sale of assignment from original creditor with LVNV Funding LLC. If LVNV Funding LLC is unable to provide this verification, I request that the account be promptly deleted from my credit report as this does not belong to me and must be deleted. I have previously contacted LVNV Funding LLC to request verification of this debt, and while they acknowledged the dispute on my credit report, they failed to provide the necessary documentation and details requested under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to address this issue directly with LVNV Funding LLC, I have not received a satisfactory response or a full investigation into the matter. As a consumer, I am deeply concerned that the credit reporting companies and LVNV Funding LLC have not taken the necessary steps to conduct a comprehensive and accurate investigation into this account, as required by the FCRA. This has resulted in inaccurate information negatively impacting my credit profile. I kindly request that the Consumer Financial Protection Bureau intervene and investigate this matter further to ensure that LVNV Funding LLC and the credit reporting companies involved adhere to the provisions of the FCRA. It is imperative that a thorough investigation is conducted to validate the accuracy of this debt and its reporting on my credit file. I do not have a contract with this company nor did I receive a XXXX Tax form for this charge off. Also they are reporting this account as a charge off every month and that is not possible as a charge off can only happen one time. I appreciate your prompt attention to this issue and your commitment to protecting consumer rights. Your assistance in resolving this matter and ensuring compliance with the FCRA is greatly appreciated. Sincerely,
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Resurgent Capital Services L.P. send me a letter that they manage the Credit Card Account of original Creditor XXXX ( XXXX ) for LVNV Funding LLC. Their letter also refers to XXXX XXXX . The original debt was Charged Off XX/XX/XXXX. Resurgent states that it is an attempt to collect a debt. And is trying to collect debt that you owe to LVNV Funding LLC. They will use any information to collect the debt. Personally, the debt have been charged off in XX/XX/XXXX. I suffered economic loss from XX/XX/XXXX forward to XX/XX/XXXX+ in the cost to have financial access to banks and institutions. I do NOT owe any such debt. I do NOT have the economic resources to engage with Resurgent Capital Services. I am a senior citizen, and Retired US Combat Veteran with service connected XXXX which included a XXXX Diagnosis. This letter from Resurgent Capital Services creates great stress, XXXX, XXXX and mental fatigue. Ask Resurgent Capital Services to STOP immediately from any further contact with me. Thank you
Company Response:
State: OR
Zip: 97015
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Resurgent Capital Services L.P. send me a letter that they manage the Credit Card Account of original Creditor XXXX ( XXXX ) for LVNV Funding LLC. Their letter also refers to XXXX XXXX . The original debt was Charged Off XX/XX/XXXX. Resurgent states that it is an attempt to collect a debt. And is trying to collect debt that you owe to LVNV Funding LLC. They will use any information to collect the debt. Personally, the debt have been charged off in 2011. I suffered economic loss from XXXX forward to XXXX+ in the cost to have financial access to banks and institutions. I do NOT owe any such debt. I do NOT have the economic resources to engage with Resurgent Capital Services. I am a senior citizen, and Retired US Combat Veteran with service connected XXXX which included a XXXX Diagnosis. This letter from Resurgent Capital Services creates great stress, XXXX, XXXX and mental fatigue. Ask Resurgent Capital Services to STOP immediately from any further contact with me. Thank you
Company Response:
State: OR
Zip: 97015
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The debt collector is not providing the customer with the proof that was used to open up the account, This account was opened fraudulently. With different phone number and email address. I have had no access to the accounts and this isn't my responsibility to pay for anything.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A