Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Resurgent/LVNV Funding is contacting me again ; EVEN THOUGH XXXX XXXX XXXX HAS DELETED MY ACCOUNT AND IS PAID TO XXXX. THE XXXX XXXX XXXX ACCOUNT HAS BEEN DISHARGED AND DELETED FROM MY CONSUMER REPORT! THIS IS A COMPLETE VIOLATION OF FDCPA -AND I HAVE EXPLAINED IN DETAIL BELOW AND ATTACHED PAID OFF ACCOUNT WITH PROOF 1099B. I HAVE ALSO SENT TO MY STATE OF MICHIGAN ATTORNEY GENERAL XXXX XXXX. RE : CLAIMS AND FAIR NOTICE XX/XX/23 2ND CEASE AND DESIST NOTICE AFTER THE XXXX XXXX ACCOUNT HAS BEEN PAID TO XXXX BALANCE AND DISCHARGED WITH PROOF. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Attorney XXXX XXXX Michigan Attorney General XXXX XXXX XXXX XXXX XXXX, MI XXXX RESURGENT/LVNV FUNDING po box XXXX XXXX, SC XXXX XXXX I am writing this letter to formally enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., in relation to the alleged debt you are attempting to collect from me. Delete your account from my credit report across all agencies now! You at LVNV FUNDING/RESURGENT ARE RUINING MY CREDIT. I WILL ENFORCE CLAIMS OF {$10000.00} FOR EACH VIOLATION. I have received communications from your agency regarding the debt in question, and I believe that your actions may constitute violations of my rights as outlined in the FDCPA. Therefore, I am requesting that you cease all communication with me and take the necessary actions to comply with the FDCPA immediately. Specifically, I believe the following FDCPA provisions have been violated : Section 805 ( c ) : Communication with Third Parties I have reason to believe that your agency has communicated or disclosed information about my debt to third parties, which is prohibited by the FDCPA. Section 807 ( 5 ) : Threatening Legal Actions I have received written correspondence from your agency that suggests legal action may be taken against me without any intention or legal basis for such action. This behavior is in violation of the FDCPA. Section 807 ( 10 ) : Using False Representation or Deceptive Means Your agency may have used false, deceptive, or misleading tactics in attempting to collect this debt, in violation of the FDCPA. Under the FDCPA, you are obligated to cease all communication with me until you have fully investigated and remedied these alleged violations. Please consider this letter as a formal dispute of the paid off debt as well as a cease and desist request under the FDCPA. I request that all communication regarding this debt be halted immediately, and I expect you to respond to this letter in writing within 30 days. Failure to comply with the FDCPA may result in legal action, including a lawsuit against your agency. I trust that you will take this matter seriously and act promptly to rectify any violations. Enclosures : XXXX XXXX XXXX IRS Discharge of Debt Proof 1099B
Company Response:
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Lvnv funding- {$480.00} XX/XX/XXXX, XX/XX/XXXX date verification letter sent and then dispute it with all three credit bureaus. Lvnv funding llc.- {$920.00} XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX filed a report with police and FTC after house was robbed XXXX disputed it with credit bureaus, sent out a verification of debt XXXX XXXX XXXX {$1000.00} XXXX Requested debt verification letter. Lvnv funding llc. {$1200.00}. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX filed a report with police and FTC after house was robbed, disputed it with credit bureaus, sent out a verification of debt XXXX XXXX {$910.00} XX/XX/XXXX disputed wrote a letter for debt verification never received
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am trying to dispute so many accounts that I havent never heard of. I been not using my credit and my credit has been getting used and I am getting punished for this as you see my credit is going up. Only thing I have that I apply for is XXXX and I have XXXX in my account now I need someone to call me at my number XXXX because this is ridiculous and I am trying to buy a house and use my credit and now Im looking at things that I never even applied for even addresses that I dont even know
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: They unknowingly took me to court without proper notice or serving me. I am a XXXX XXXX over the road. The sued me for court fees for money I did not owe. The company was sued by me and I won a settlement and I feel this is retaliation.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Earlier today I received a notification that my credit score dropped by XXXX points. When I checked my XXXX report, I saw an entry, dated XX/XX/2023 from LVNV Funding, LLC, a company I have never heard of before. I clicked on a link to gather more information and there was none. Just an amount ( {$1800.00} ) and the companys name. I have had no correspondence from this company and I do not know what this is about. Moreover, I was not given an opportunity to do anything. This is XXXX I am attaching screenshots of the information in my credit file. It says its a collection account, but it doesnt give any information about the underlying debt. This is utterly ridiculous. Companies shouldnt have the ability to just make entries to your credit report just because they want to.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After checking my credit report I noticed that I have a collection from a Company called LVNV Funding for the amount of {$1100.00} I have contacted LVNV via phone asking them to please send out Validations of this account not Verify them! This Company has now submitted a garnishment of my paycheck for 25 %. BY LAW I WAS SUPPOSE TO GET NOTICE OF BEING SUE AS WELL AS WHEN THE GARSHIMENT WAS ISSUED I NEVER RECIEVED ANY NOTIFICATION FROM THIS COMPANY AT ALL AND THIS COMPANY HAS NOT SUBMITTED ANY FORM OF VALIDATIONS. I WONT THIS GARMISHMENT STOP! Being that this company is not garnishing my check for IRS tax purposes or loans you must show me proof that you provided me with the summons for the lawsuit as well as the garshiment being awarded. You can not because nothing Has come to my address. I have proof of that as well because I have all emails showing mail that has come to my home. And you guys don't even have a correct address on file making this garnishment illegal.
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Twice I have had resurgent capital services contact me in 2022, asking for me to pay on an account that was fraudulently opened in my name. I let them know and proved to them it was fraud. Someone opened a card in my name, and made payments on it in my name. They stopped making payments and it was handed over to lvnv funding debt collectors.
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I requested through certified mail on XX/XX/2023 for verification of the debt and verification that I own the debt. Lvnv received the certified mail on XX/XX/2023. They have provided me with only a report summary which is not proof of ownership and the right to collect on the debt, they have also failed to provide me with a purchase agreement to allow me to verify who has and does own this debt and if and how they can collect on this debt.
Company Response:
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company sending me statements. I do not know who they are nor did I authorize this.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A