Date Received: 2022-04-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have reached out to LVNV DBA Resurgent Capital three times in writing requesting Validation of Debt. They have not responded once. I have a thorough and detailed paper trail providing my extensive written efforts and their lack of abiding federal law and the Fair Debt Collection Practices Act. My original request is dated XX/XX/2021 My second request is dated XX/XX/2021, and my last attempt for Validation was XX/XX/2021 I have taken all legal steps to obtain validation and clarification of XXXX debts they are actively collecting but they have not once responded. I remain confused and have not been able to achieve a resolution. The debts they are reporting are not mine and they are not validating.
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As I checked my credit profile I noticed a company trying to collect a debt that I have no knowledge of I have never signed a contract with them electronically nor verbally
Company Response:
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX was XX/XX/2016. lvnv illegally re-aged this outdated debt damaging my credit and refuse to remove it. The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX was XX/XX/2016 lvnv ILLEGALLY RE-AGED this account and refuse to remove it
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX, XXXX Account : XXXX Amount : {$630.00} In accordance with the Fair Credit Reporting Act XXXX Acct # 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 604A Section 2 : It also states a consumer-reporting agency can not furnish a account without my written instructions.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Accounts and inquiries are reporting to my account that i'm not familiar with! XXXX really concerned about these on my credit profile!
Company Response:
State: FL
Zip: 34234
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Resurgent Receivables LLC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX To : The Office of Registered Agent for Resurgent Receivables LLC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX
Company Response:
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair act XXXX account # has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Good Evening, I received a letter in the mail this afternoon XX/XX/XXXX which was from my current employer. When I opened the envelope there was a letter that stated my company was served with a court order to withhold a portion of my wages. The request comes from a company named LVNV Funding, LLC- XXXX XXXX XXXX XXXX XXXX However, I was never served with a subpoena or any legal notice regarding the case against me, nor a debt validation letter stating this is mine. From documents provided through my employer, an attorney was granted a default judgment on XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX. I also noticed that the address they had for me was an old po box , but they had all the resources and information to find me at my current job which isn't public information. Therefore, what's the difference from using those tools to locate me on my job in XXXX, and not using them to locate me in XXXX to give me legal notice? Also, in XXXX I was recovering from XXXX XXXX which I was diagnosed with in XXXX of XXXX. During those years my finances took a huge hit as well as my health and I supported myself with my XXXX check. ( I will provide my medical records ) I feel I wasn't given fair treatment or an opportunity to speak on my behalf or work on an agreement before it went this far. My rights were taken from me. Now I'm faced with having my wages garnished without being given the right of representation. And, failure to do so has now cost me additional fees ( court fees and attorney fees, etc ) that would not have applied if I was given my legal right to be notified.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I asked for debt Validation And they send me a they wrote their self LVNV Funding llc
Company Response:
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my credit report recently and discovered that this company is reporting a debt that does not belong to me and is damaging my credit by reporting inaccurate information.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A