Date Received: 2022-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: MO
Zip: 63640
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In response to CFPB compalint # XXXX. I, XXXX XXXX, a federally protected consumer, am making this 2nd complaint against LVNV Funding/Resurgent XXXX XXXX for violating a cease and desist noticed they received on XX/XX/XXXX and for continuing to invade my individual privacy by continuing to commit abusive, deceptive and unfair debt collection practices.. I am still aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). After viewing LVNV Funding response to the prior complaint, I am aware that a 3rd entity ( XXXX XXXX ) was involved in this fraudulent activity, because LVNV Funding stated that Resurgent ( Master Servicer ) " placed '' this account with " one or more '' " Servicers ''. To which I have not consented to, or signed any trilateral contracts to conduct any business with either of these 3 companies. LVNV Funding/Resurgent XXXX stated that " LVNV ( owner ) /Resurgent ( Servicer ) " acquired '' this alleged debt on XX/XX/XXXX. Also in the company 's response to the prior complaint, LVNV/Resurgent also attached a letter that was sent to an address that is not my address on XX/XX/XXXX, from XXXX XXXX. Even if this alleged debt was verified/validated, LVNV Funding/ResurgentXXXX would be in violation o f 15 usc 1692g, which states that the written notice is to be sent within 5 days after the initial communication with the consumer. Also, 15 1692f ( 1 ) states that the attempt to collect any amount not authorized by the agreement creating the debt is a violation. Clearly in the letter attached in the company 's response from LVNVXXXX XXXX XXXX XXXX XX/XX/XXXX, proved that there was an attempt to collect {$440.00}, Which would be an different amount of the alleged debt of {$590.00}. Actually sending these letters is another violation according to 15 usc 1692f ( 7 ). After viewing the response to the prior complaint, I have actually found multiple violations under the FCRA and FDCPA committed by LVNV/ResurgentXXXX . Also in their response, LVNV/Resurgent attempted to send letters to multiple addresses not belonging to me in the attempt to collect on this alleged debt. That is definitely abusive debt collection practices. With all of this, and as of XX/XX/XXXX, LVNV Funding/Resurgent XXXX failed to send any documentary evidence such as a trilateral contract, bearing my signature, giving LVNV/Resurgent any rights to collect on this alleged debt. If LVNV can not provide the requested legal/lawful documents to validate this alleged debt, and with this fraudulent information being reported on my consumer report, it is my belief that LVNV/Resurgent is attempting to purposely harm me and my financial reputation by means of extortion pursuant 15 usc 1692d ( 4 ). I have attached the cease and desist, the debt validation letter, both sent to LVNV on XX/XX/XXXX. Also attached is their response to the prior complaint, labeled as Exhibit A. Also attached is a FTC report that will be labeled as Exhibit B when filing for litigation in Federal Court to this complaint. I have also filed complaints against LVNV to other authorities concerning their actions.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 I hand wrote and sent a letter to XXXXesurgent Capital services/LVNV funding, explaining to them after reviewing my credit report I see that they are reporting an account on my behalf and I have never done business with their company and that they are committing identity theft and violating my consumer rights to privacy pursuant to 15 USC 1681b 2. I clearly stated pursuant to 18 USC 8 I owe no debt and further more this company NEVER had my written permission to report anything using my information pursuant to 15 USC 1681 4, no authorization is considered IDENTITY THEFT. They proceeded to send me a letter saying they could not validate my claim and to send them information regarding my identity. They also provided a statement from XXXX XXXX XXXX with my name and an address that I do not reside at. They provided no valid information i.e. my wet ink signature or my written permission as stated above. This is a demand to remove any info regarding myself from their system as well as cease reporting my information to the credit reporting agencies or legal action will ensue.
Company Response:
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was aggressively pursued by a deputy who came to my place of employment to serve me with papers for Debt owed that I am unaware of or the Debt owed is well beyond the Statues of Limitations for the State of LA ( 3 years ). LNNV Funding is stated as the company owed in the papers received with XXXX XXXX XXXX collecting the debt on their behalf. I have never been contacted or received paperwork in the past to indicate this debt was owed yet I have been humiliated in front of my fellow coworkers by being served by a Deputy I have in the past deputed with XXXX Credit Bureaus the information on my record only to be harassed by the 3rd party collectors who are collecting for these companies. The paperwork ask that I ay {$7400.00} plus 5.75 % interest from the Date of Judgment - XX/XX/20 plus 25 % principal and Interest and all court costs subject to a credit of {$0.00}
Company Response:
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022 XXXX removed debt collector for failure to validate. Debt Collector has reported false debt on XXXX XX/XX/2022 & XXXX XX/XX/2022. Debt collector continues to avoid validating debt. **** Futhermore Debt collector is hiding original creditor information in reports to avoid validation. This is illegal.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted the collections company to let them know that the debt is false. I tried to lease a product from XXXX and they sent the product to my old address in another state. I then contacted them to report it and they told me to fill out a claim form. I filled out the claim form and included the correct address so that they could send me the product. They sent the product to the old address again and asked me to fill out another form. I told them I changed my mind and now I did not want the product. They have now sold my account to debt collections for the amount that the product was worth and Ive never received the product. I spoke with Resurgent Capital Services ( debt collecting company ) and told them the issue and they basically stated that there was nothing that I could do and I would have to pay a debt that isnt mine!
Company Response:
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I asked for this collection to be mailed to me. It was mailed to me and asked for them to please stop calling me. They have continued to call me. I received a call today XX/XX/2022 at XXXX where the very rude representative demanded I pay off my debt that I can not afford or they will continue to call everyday until its paid. She rudely stated I will not be put on the do not call list until its paid. This now the 3rd phone number I have blocked from LVNV Funding LLC
Company Response:
State: FL
Zip: 33707
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A