Date Received: 2022-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX and I am submitting this claim myself and no third party is involved. I, XXXX XXXX as a natural person, and consumer was injured, harassed and abused by LVNV FUNDING LLC on several attempts to collect on a debt, using profane language and unfair collection practices. ( See Exhibits ) I received numerous violations through via mail. I requested validation of the debt on XX/XX/2021, they sent account summaries which isnt debt validation. ( See Exhibit A-O ) With further harassment, after the agreement of confirmation of receipt of the validation of the debt ; the debt collector, LVNV FUNDING LLC knowingly and willfully continued to reach out to ask for payment of this debt. ( See Exhibit A-O ). LVNV FUNDING LLC has violated multiple laws in accordance to 15 USC 1692. ( See AOT ). My AOT WAS NOTARIZED AND SIGNED AT XXXX and mailed off from there. Receipt is provided below. They also use different names such as Resurgent Capital Services which are debt collectors collecting on behalf of another debt collector.
Company Response:
State: SC
Zip: 29644
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The account for {$610.00} should be removed from my credit file.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: When I did my taxes in XXXX for the Year XXXX I found Credit Card opened that I did not. I contacted the Credit Cred Companies to dispute the Card and verified that I did not have anything to do with the Card being open. For months I called and disputed the Card over and over. I even disputed the Card on XXXX. All I head back is that the dispute was found I was accountable for the Card. This has been going on for years now and need them to be removed from my Credit Reports.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
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: My original complaint # with CFPD is XXXX. I received the consumer response and it is not of satisfaction. Resurgent Capital Services ( hereon out referred to as RCS ) and XXXX XXXX has no business contract. My debt was with XXXX XXXX ( hereon out referred to as XXXX ). XXXX sold my acct to RCS. RCS response to my initial complaint with CFPB is that the terms and agreements I signed with XXXX states " we may sell, assign, or transfer your acct or any portion thereof without notice to you. '' These terms were established XX/XX/XXXX which would not apply to my acct because my acct was opened prior to the terms revision in XX/XX/XXXX. I did not sign a XXXX agreement under those term used by RCS to validate financial obligation. I believe this debt should be taken off of my name based on the fact it was sold illegally to RCS. I am also covered under the XXXX XXXX XXXX and feel RCS is attempting to take advantage of me. I request this case be review again and a better resolve is reached. XXXX
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I mailed Resurgent Capital Services a Debt Validation Letter and it was delivered certified mail on XX/XX/2022. On XX/XX/2022 I received a notice that they received my validation letter and mailed me three debt collection attempts instead with very little of the information I asked and are not able to Validate any of the additional information I requested.
Company Response:
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: On XX/XX/XXXX they follow me all the way to my job and stand outside my work place follow me everywhere tapping my phone my XXXX and follow me everywhere that I go they break into my RV ace stole my car and then return it the only thing they need to do is come and shoot me
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding LLC, XXXX XXXX XXXX XXXX SC XXXX Has been sending collections notices in the amount of {$540.00} .the collection has been reported as due balance. I don't know this company .this company does not have a contact with my signature.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am trying to get an item removed from my credit reports. XXXX claims that on XX/XX/XXXX, i had a computer delivered to XXXX XXXX XXXX XXXX XXXX.I disputed this immediately upon receiving a bill from XXXX in XX/XX/XXXX. I have since then, sent them, and their collection agency numerous letters, requesting they investigate my claim that I never ordered, or received a computer from XXXX. XXXX has written it off on XX/XX/XXXX, they did this after i sent a request to validate and show that I ever even ordered the computer. I was not even living at the XXXX XXXX XXXX address at this time. The property was vacant. I was in the midst of a divorce, and the property was vacated months earlier by both my wife and I. I sent XXXX, and their collection agency proof that I had moved to XXXX XXXX XXXX XXXX PA XXXX. I still reside at that address. At their request, I sent them a police report that indicated Fraud/Identity Theft. They said that wasn't proof enough. I sent them proof that I had moved prior to the delivery of the computer, as well as a signed lease, an notarized Affidavit of Identity Theft, utility bills, and a copy of the change of address forms. That still wasn't sufficient. They said it didn't prove I didn't order the computer. I asked for proof that the computer was ever even delivered to that address, they couldn't provide me the carrier who delivered it, a signature that it was delivered, or even an old tracking number. They did not say they didn't have it, just that they would not share it with me. So at this point, what should be my next step? I've given them everything they asked for, and more. How do I prove I never received something? The amount in collection is {$750.00} XXXX XXXX XXXX XXXX of SS # XXXX. XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX Thank you
Company Response:
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have several accounts being reported as collections on my credit report with the 3 credit bureaus from LVNV Funding LLC. I do not acknowledge or accept these debts to be mine. I asked for validation and verification of these 3 debts to which I received 1 letter containing a credit card statement which is not acceptable under the FCRA LVNV has placed these 3 debts with several collection agencies. Each time I receive notification from the collection agency I have written to whom ever contacted me with a request for validation and verification of the debt. Instead of a reply the debt is transferred to another collection agency. I have yet to receive any verification or validation except 1 letter with a credit card statement that is not acceptable under the FCRA. I have tried several times to dispute these collections with all 3 credit reporting agencies Each time I have disputed the credit bureaus respond with the same canned message " the account has been verified by the creditor and meets the FCRA requirements ''. None of the 3 bureaus have provided any proof as to why their continued reporting of alledged debts meets the requirements of the FCRA. They only provide a letter indicating that their reporting meets the requirements no proof. I'm not exactly sure what LVNV Funding LLC is providing to the 3 credit bureaus to verify that they are reporting correct information. They have failed to show anything to me that either validates or verifies that these collection accounts belong to me or anything on how LVNV Funding LLC determined the amounts I allegedly owe. I believe this amounts to nothing more than hear say. LVNV Funding LLC has a notorious record on the internet of failing to verify or validate accounts as well as other unethical behavior. LVNV Funding LLC has many complaints filed against them with the XXXX, CFPB and the FTC. LVNV also has many lawsuits against them as well. In accordance with the Fair Credit Reporting Act, I hereby maintain that LVNV Fundling LLC is violating my rights under the FCRA by continuing to report the unvalidated and unverified accounts listed below as collections : 1. ) LVNV Funding LLC Account # XXXX 2. ) LVNV Funding LLC Account # XXXX 3. ) LVNV Funding LLC Account # XXXX LVNV Funding LLC has assigned these debts to several collection agencies. When contacted by a collection agency I send a letter asking for verification or validation of the debt. In one case I did receive a credit card statement. A credit card statement is not considered to be verification or validation under the FCRA. In addition I maintain that I have no contractional relationship whatsoever with LVNV Fundling LLC and that my rights under the FCRA are being further violated by their actions as listed below. 15 U.S.C 1681 section 602A of the FCRA Clearly states I have the right to privacy. My rights under 15 U.S.C. 1681 section 602A are being violated as well as my reputation publically demeaned by LVNV Funding LLC by publically accusing me of owing debts for which they have provided no proof that I owe and reporting them as collections to all 3 credit bureaus as debts that are basically hear say. I further maintain that LVNV Funding LLC in conjunction with XXXX, XXXX and XXXX XXXX are also violating my rights under the FCRA 15 U.S.C 1681 Section 604A Section 2. This section states a consumer reporting agency can not furnish an account without written instructions from the consumer. I have no contractual obligations with XXXX, XXXX, XXXX XXXX or LVNV Funding LLC. I have also never given XXXX, XXXX, XXXX XXXX or LVNV Funding LLC any written instructions to furnish any account whatsoever to my credit bureau report. Information that under the FCRA requires written consent from the consumer has not been given. I maintain that the information being reported about these 3 accounts is being furnished illegally without my written permission by LVNV Funding LLC a for profit company that pays for the business services of XXXX, XXXX and XXXX XXXX all for profit companies. I ask that the CFPB reconize that my rights under te FCRA are being violated by LVNV Funding LLC. I ask that the CFPB issue an order to LVNC Funding LLC to cease and desist any and all collections and or reporting of any of these debts listed above immediately.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX Department Resurgent Capital Services L.P Dear XXXX, Having reviewed all of the documents provided to me regarding this alleged debt, I am afraid that you are committing fraud. You are violating the code of Federal Regulations 12 CFR 1006.30 ( e ) Prohibited Practices. By Furnishing certain deceptive forms. A debt collector must not design, compile, and furnish any form that the debt collector knows would be used to cause a consumer falsely to believe that a person other than the consumer 's creditor is participating in collecting or attempting to collect a debt that the consumer allegedly owes to the creditor. This fraudulent bill statement that you have designed and furnished to me does not reflect accurate nor true information on my behalf. Upon reviewing the monthly statements from the alleged original creditor, this also has shown fraudulent information on my behalf, My name is not XXXX XXXX XXXX XXXX. Nor any of the addresses belong or have any attachments to my person. Furthermore, as the information that you provided is fraudulent and deceptive, this does not validate this alleged debt. Pursuant to 12 CFR 1006.34 Notice for validation of debts. Please be advised that I am requesting VALIDATION not VERIFICATION. I Am requesting a copy of the original contract, and or documents bearing my signature, payment history and all proper disclosures with the original creditor. Furthermore, I am afraid that you have committed an infringement upon my consumers right to privacy pursuant to 15 usc 1692, as I never contracted with you, LVNV Funding LLC, and Resurgent Capital Services L.P . I, XXXX XXXX XXXX never gave you, LVNV Funding LLC , and Resurgent Capital Services any oral permission or written permission to contact me or have any of my private information.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A