Date Received: 2023-12-20
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Please advise, Im constantly receiving text messages ( XX/XX/2023 ), emails from LVNV ( RESURGENT and XXXX ) debt buyers and collectors, just as recently as today XX/XX/2023. LVNV has been illegally and aggressively trying to collect from me, in a state in which they are unregistered. Ive been violated due to the fact that My personal information has been shared with Resurgent and XXXX, agencies that are attempting to collect the same debt. The two companies listed have not sent proper notices, instead they constantly insist that I pay and once its paid in full theyll remove it and apply to LVNV, whom purchased from the original creditors, which is XXXX XXXX XXXX.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern, I have found on my personal credit report that I do not recognize the information. I've been dealing with the two collections for years, and they won't dispute it even though my identity was stolen. I have tried to reach out and also dispute the two collections.
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 2021 requested information from creditor to validate information of accounts, due to being a victim of identity theft.
Company Response:
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Debt validation letter sent to LVNV Funding LLC and no reply to my request for proof of debt and or written/verbal contracts with LVNV Funding LLC XXXX I disputed this debt reporting with XXXX and XXXX is still reporting the collection as verified. I have not received any valid notification/proof as to how this was verified. I no debt or business with LVNV Funding LLC nor have I agreed to anything that would allow LVNV Funding LLC to legally report a collection on my credit file. This collection violates my right under the FCRA.
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In the past ( and present ) my consumer rights violated with the following credit reporting agencies : XXXX, XXXX, XXXX XXXX XXXX XXXX .These companies were reporting inaccuracies. ( To which this company gathered their information from 1 or if not more, information from these agencies ) .I 've sent a letter to asking for validation of debt, with reasonable debt in reasoning that my accounts were compromised. This company has acknowledge there wrong doings, and has resulted to reporting derogatory remarks on my account. Violation # 1 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX XXXX per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement Violation # 2 ( 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. ( 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 ( i ) 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. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have not supplied proof under the doctrine by silence XXXX XXXX XXXXXXXX XXXX 281 sw 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. Lvnv LLC account # XXXX. Balance off $ XXXXplease remove this acvount from my credit.
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have paid debt in full to lenders. The company has sent me a discharge letter in which I have sent to all 3 credit reporting agencies. All 3 agencies have yet remove this item off my credit report. I have sent letters and documentation to all three agencies regarding this matter with no solution.
Company Response:
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023 Resurgent stated that a debt collector does not have an estimated time to validate the alleged debt that they claim I XXXX XXXX the original creditor owns. RESURGENT CAPITAL SERVICES L.P. is in violation of the FDCPA 15 USC 1692e False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. I XXXX XXXX don't know if you are RESURGENT CAPITAL SERVICES L.P. or LVNV FUNDING. This also is a deceptive practice as it is misleading and a violation of the FDCPA Regulations. Debt collectors have a responsibility to operate within compliance of law otherwise 15 USC 1692k Civil Liability for willful noncompliance. The debt collection company have not acknowledged all of the questions within the debt validation letter. I XXXX XXXX have reason to believe that RESURGENT CAPITAL SERVICES/LVNV FUNDING are unable to answer all of the debt validation questions asked in the letter sent initially because it may expose the compliance of the company. As you say to consumers. Your silence is assumed. Your silence is of the acquiescence. I XXXX XXXX also want you to know that I am aware of the arbitration agreement of XXXX XXXX XXXX. If LVNV FUNDING bought the debt you are liable to be arbitrated against since you now own XXXX XXXX XXXX agreement. Arbitration will be costly for both parties, but even more costly for LVNV FUNDING LLC
Company Response:
State: TN
Zip: 38301
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per the FCRA as a federally protected consumer I am OPTING OUT of any and all authorizations I the consumer may have given you written, non written, verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. A charge off is considered Income and can not be reported on my report being a CERTIFICATE OF INDEBTNESS!
Company Response:
State: NY
Zip: 12901
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I believe the account is invalid. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Company Response:
State: HI
Zip: 96786
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A