Date Received: 2022-04-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: N accordance the fair credit reporting act LVNV funding account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2022-04-24
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 was result of identity theft
Consumer Complaint: I never open an account with these companies and I believe the accounts are fraudulent : XXXX. XXXX XXXX- an account was open on XX/XX/2019 for amount {$1100.00}
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-04-24
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: I have formally requested by certified mail that Resurgent Receivables LLC Care of Resurgent Capital Services LP provide me with validation of the two accounts # XXXX and # XXXX that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Practice Act by not responding to any of my letters nor have they provided me any validation.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have formally requested by certified mail that LVNV Funding LLC C/O XXXX XXXX XXXX provide me with validation of the three accounts # XXXX, # XXXX and # XXXX that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debts, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any ensuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided any validation.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a notice dated XX/XX/2022 in XXXX from Resurgent Capital Services regarding an alleged debt. I called Resurgent to dispute the debt on XX/XX/2022, but the representative could find no reference to the alleged debt even when I provided the reference number. I then disputed the debt via certified mail on XX/XX/2022. Tracking showed that certified mail was received by Resurgent on XX/XX/2022. I received no response until today XX/XX/2022, when a new company, XXXX, attempted to collect the debt via email. They made no mention of my dispute. XXXX 's email did not make it clear what their affiliation is with Resurgent Capital Services and whether or not they are one and the same ; therefore, I am reporting both companies.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have notified the credit bureaus in regards to these negative items being reported on my credit report. I have no knowledge of this account and I asked numerous times for it to be removed. XXXX and XXXX has already determined that the accounts does not belong to me in which they deleted the items. XXXX is the only bureau still reporting these inaccurate items. I was a victim of Identity theft in which I have submitted my FTC complaint as well as a police report to validate. A ton of inquiries and collection accounts showed up on my report and they should not be there. PYOD LLC has not responded with the any documentation bearing my wet ink signature nor have they provided any proof of this alleged debt.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022, LVNV Funding LLC added a derogatory mark on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX. After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Company Response:
State: FL
Zip: 32726
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have reached out several times as this debt was the result of my identity being stolen, I work very hard to maintain my credit and because of this my credit has been destroyed.
Company Response:
State: NM
Zip: 882XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act LVNV FUNDING LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. LVNV FUNDING LLC at XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$660.00}. The collection has been reported as a past due balance. I have never done business with this company. This company does not have a contract with my signature.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX this is the case YOU closed! It is NOT closed - if you are not for the consumer then close your business down. I will notify Governor XXXX of your illegal practices This company has violated the Fair Debt Collection practices Act according to XXXX XXXX. Statue of limitations in Pennsylvania is 4 years and this is over 4 years Company did NOT supply all the info needed- my attorney states it does not have my phone number, ssi or item bought. This account was sold in 2015. Tgat is over the statue of limitations. Either your office helps me or I will report it to Governor XXXX and XXXX XXXX
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A