Date Received: 2022-04-09
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: To whom this may Concern : I am writing this today to file a formal complaint against this company LVNV Funding INC and XXXX XXXX XXXX. This company has been sending information all over the country about a debt it has purchased that was the result of Id Theft that i was a victim of when i lived at a previous address. My ex boyfriend XXXX XXXX opened account 's in my name because i was suffering from health issues at the time and he was my primary care giver. He was even found guilty for Extortion because he was trying to defraud a man he was involved with of money because he gave the man XXXX. This company has hired another company to harrass me and threatened to sue me in court because i owe this bill and they know i owe the bill and that i was gon na pay. I called XXXX XXXX and told them about they sent information to my mothers house that lives like almost a hour away and she opened the letter and feared for my life because of the threats. This has been very devastating to my XXXX and my well being being accused of a crime and i didnt commit one. They are using third parties in the state of Mississippi to threaten me and send letters to different address that belong to my family members. This is breaking the law. The name of the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX this company threaten me and actually prosecuted me and i wasn't in court.
Company Response:
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with non-monetary relief
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: This account was reported over a year ago as a result of ID theft. Resurgent Acquisitions LLC is now in violation of the FDCPA for purchasing a debt that was previously disputed as a result of ID theft. Resurgent is trying to collect a debit that has been reported disputed. This account is issued from XXXX XXXX for a XXXX store card. Account ending in XXXX and a reported balance of {$160.00}.
Company Response:
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The philosophy of XXXX XXXX and LVNV seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681. I also disputed the presence of XXXX XXXX XXXX being listed on my credit reporting file, I have not received documentation from either XXXX or XXXX XXXX XXXX as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
Company Response:
State: NE
Zip: 684XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The original credit card debt was paid. I have repeatedly noticed Resurgent Capital, and they continue to send fraudulent letters. This is a follow on Cease and Desist.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Its been over 3 years since LVNV is harassing me about {$750.00} that was a result of identity theft, it is erased from all bureau but XXXX, this company needs to be investigated in affiliation to XXXX as many people are victimized by LVNV.
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV Funding LLC keeps reporting invalid amounts owed to the original creditor. This company bought the debt from XXXX XXXX Bank and every week or two weeks it increases its amounts. This account is closed and therefore shouldn't be accruing any interest rate fees. I've sent letters to all three credit bureaus ( XXXX, XXXX XXXX XXXX ) and ask for them to investigate and neither one has corrected this problem. I paid {$450.00} in hopes of getting this resolved and yet it's still being reported on my credit report after they agreed to the amount paid. This collection company uses tactics that aim at hurting the consumer instead of actually resolving a matter. I would like this derogatory account removed from my account as it has been detrimental to the advancement of my credit building efforts. This company uses practices that should be illegal and I will be seeking legal actions against all parties involved if this matter is not resolved promptly.
Company Response:
State: RI
Zip: 02919
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have asked LVNV funding twice for debt validation with no response. I also asked the credit bureau to tell me how they verified the debt with no response.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contacted Lvnv funding / XXXX XXXX after months of them collecting XXXX $ in recurring payments from my account to pay a debt off. I am currently working on my credit and they stated over the phone the amount of XXXX $ would settle the account and a letter would be sent via mail within 7 to 10 business days from the date the payment was made. No letter has been sent and they falsely still have an amount showing on my collection on my credit reports. I have stated to them this has stopped me from bettering my credit and they still choose not to correct the issue.
Company Response:
State: KS
Zip: 66104
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX XXXX XXXX SS # XXXX. Please see the attached CFPB complaint # XXXX where LVNV responded on XX/XX/21 That they got with the original creditor who confirmed there was fraud on the account! They agreed there was fraud and ceased ALL Collection activity!! I have received NO correspondence nor=thig regarding this account at all in XXXX years!!! LVNV agreed to get rid of the account!!! Who do you think you are sending me this?! My husband passed from XXXX, then my XXXX daughter passed for XXXX, I got XXXX and was on the vent for a long time, I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spent a long time in recovery. I mentally can not handle this! I get a letter in the mail from Resurgent Capital Services stating they are collection {$2200.00} for LVNV!!! Is is a true violation of FDPA, FCRA and I am sure UDAAP will fall in scope! This tradeline was removed from all bureaus but XXXX!! I would love to know why in the world I received a letter now over three years later asking for me to submit proof of a police report!! Are you out of your mind?! I disputed these charges right away with XXXX XXXX!! Monthly I disputed these here are the CFPB complaints for reference! They did NOTHING! Then sold my account to a collection agency who did NOTHING until I filed a CFPB complaint! Youre way too late to ask for any of this!! I am not going back 3 years and digging up proof. XXXX XXXX failed to review the fraud claim and my FCRA dispute which are violations of law!! Not only are they in violation of FCRA, but also the Reg Z billing dispute Process. I disputed these charged within 60 days of being billed for them with XXXX XXXX!! They did NOTHING!!! I kept disputing until they sold my account to collections. I am in a wheel chair with no legs it is kind of hard for me to get around. If XXXX XXXX had done their job correctly!! I have disputed this with XXXX over ten times in the past three years!!! No one is doing a proper valaidation of my fraud claim!! If they did, they would review the response from LVNV and remove the collection account from my report!! This is a true velation of FCRA and all Identity Theft Red Flag processes that are in place! Again read the attached response where they acknowledge fraud and remove this collection account from my credit report!
Company Response:
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A