Date Received: 2022-04-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: An account with Resurgent Capital Services was originally placed on my credit report in XXXX of XXXX. I have repeatedly asked for proper validation of the debt with the most recent request being XX/XX/XXXX. I asked for the company to provide the following information which would be proper validation of the debt : Please provide a contract, agreement, assignment, or other means demonstrating that LVNV Funding LLC or Resurgent Capital Services L.P. has the right to collect on the alleged debt - Please provide reasonable proof, such as an original, or copies of assignment agreement transferring the alleged contract or account in question from XXXX XXXX XXXX over to LVNV Funding LLC to show an assignment has been made and that LVNV Funding LLC is the real party of interest. - Proof of your right to own/collect this alleged debt and that you are licensed to operate in the state of Ohio - Itemized statement of the balance claimed including all fees, interest, and penalties - Proof of assignment of debt from original creditor and notification - Amount that you purchased the debt for - A written agreement between myself and your company regarding this debt - Original cardholder agreement from the original creditor - Proof of assignment rights to Resurgent Capital Services L.P . In return, the company sent me a printout of an account summary sheet from their system and a printout of a credit card statement from XXXX of XXXX. This is the same information that they have sent me on every validation request since the account appeared on my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act.
Company Response:
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Never received notice to dispute. Resurgent / LVNV Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: This is a follow up to complaint XXXX and XXXX. My name is XXXX XXXX XXXX social ending in XXXX. Please note got a email from XXXX XXXX XXXX XXXX representing LNLV Funding stating this isnt my debt and that they arent suing me. please find the letter attached. My added complaint is that even after recognizing this is not my debt they are refusing to still refusing to withdraw the lawsuit they summons me for at my home at XXXX XXXX XXXX XXXX Illinois XXXX. I have told them there is no XXXX XXXX but myself that has ever lived here. I am very concerned that they are going to try to get a default judgement by refusing to cancel the lawsuit. Please note they had no DOB OR SSN or middle initial on the summons. This is a different person with the same first and last name as mine. please help asap the court date is XX/XX/22 docket number XXXX and XXXX. THIS IS THE SAME CASE BUT THEYRE LISTING TO MANY ZEROES. Please help ASAP. They illlegally served me for what belongs someone else.
Company Response:
State: IL
Zip: 62526
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a summons in the mail on XX/XX/XXXX on XX/XX/XXXX my employer notified me of a wage garnishment that would take place immediately.. which is the first communication I had with these people.. The original debt was over 13 years old, I dont know who these people are that have sent a wage garnishment to my job and now taking money from my check. I was not properly notified about this old debt and intent to garnish or even time to settle. So this was done improperly and unfair practice of a collector and debt that was old.
Company Response:
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 604 States I have the right to privacy. 15 USC 1681 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 credit card under an open nd consumer credit plan as late for purpose
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This account is not mines and was opened in identity and fraud on my social security number
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The alleged debt has been sold without my permission and without the production of a new contract. You are trying to collect on an alleged debt and I have no contract with you- this is fraudulent activity. 18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ). There is no way you should have my social security number or any identifiable information. You DO NOT have my permission. This is IDENTITY THEFT & against federal law.
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent/LVNV Funding is attempting to collect a debt from me that is not mine and the information and address they have on file is not mine. The debt was disputed and deleted by XXXX credit bureau on XX/XX/2022. However, the debt is still on my XXXX credit report and the debt collector is harassing me with emails.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A