Date Received: 2022-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fraudulent Account : XXXX I have contacted LVNV Funding LLC, via XXXX XXXX and XXXX XXXX on several occasions to inform them that they opened credit card account with STOLEN information. I have provided a police report that states that my driver 's license was stolen. However, the response I have received states that the address on the license, is the same as what is on the account. No surprise given that this account was opened using stolen information. Because you have been unable to show me the drivers license used to open this account, I have retained legal counsel and can prove that I was NOT present nor living in the country at the time this account was opened and maintained with other accounts that were also opened fraudulently. We have direct communication from the banks to this effect. We have filed a new police report against your company stating that you used stolen documents and information to open this account. I was told to make contact once more with your company, to have them remove this account from my credit report, before contacting the courts. WARNING!!! I do have a copy of my passport which shows a " country stamp '', proving that I was out of the country i.e. The United States of America where this account was opened!
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On Friday XX/XX/XXXX received XXXX letters from Resurgent Capital Service company intent to collect money. My name is very common, just looking for XXXX XXXX and intent collect money, they don't verify before sending this XXXX. That collection is not mine, it's not my deb. I XXXX with prove documents sign and the last XXXX digits of my social security number. I never use the XXXX XXXX XXXX service. I called the company, but they are asking for your social number I'm not going to provide that information to them, on the contrary they have to prove that this debt is mine.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a formal complaint against LVNV FUNDING LLC located in XXXX, South Carolina. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I, XXXX XXXX, the consumer, and original creditor, am aware that my consumer rights has been violated. I sent Resurgent Receivables LLC a debt validation letter on XX/XX/2022 via XXXX mail XXXX and they have not responded as of yet. Because according to my consumer reports I received on XX/XX/2022 the company/companies are accusing me that I owe them allege Debt. for the amount of {$750.00}. However, I am demanding them/they Resurgent Receivables LLC and XXXX XXXX Bank to provide me with all the proper documentation and verification expeditiously within 7 days why I, XXXX XXXX , the original creditor, owe this alleged debt, and why I must pay this alleged debt to Resurgent Receivables LLC? Because on my consumer reports stating that XXXX XXXX XXXX is the Original Creditor 18 U.S. Code 1028 Please explain in full details how is XXXX XXXX XXXX is the original creditor? Fail to do so would refer to U.S. Code 1028 which is a VIOLATION and I am demanding {$1000.00} each from both these companies for EACH VIOLATION. And to elaborate I AM DEMANDING copies of written agreements with my signature between myself, I, XXXX XXXX, original creditor, and Resurgent Receivables LLC and NOT between no other party or parties, because you are stating on MY consumer reports that I owe YOU this alleged debt again why I must pay this alleged debt to RESURGENT RECEIVABLES LLC? 18 U.S. Code 1028 PROVE IT WITH ALL DOCUMENTATION, the time, the date, that I, XXXX XXXX, has made any agreements with Resurgent Receivables LLC within 7 days. 18 U.S. Code 1028. This company Resurgent Receivables LLC are furnishing my consumer reports with reporting inaccuracy information to my consumer reports and according to Federal Law 15USC 1611 they are violating. I, XXXX XXXX, has never did any business whatsoever with nor have I signed any agreements with Resurgent Receivables LLC never in my life and to bring forth another Federal Law 15USC 1666B, 15USC 1681 ( B ) Resurgent Receivable LLC are in violation for even reporting on my behalf and I NEVER given RESURGENT RECEIVABLES LLC permission nor authority to do such thing which is another violation. And I am also reporting aggravated identity theft to the XXXX Credit Reporting Agencies XXXX, XXXX, and XXXX, and as well as Resurgent Receivables LLC because it is Federal Law 18 U.S. Code 1028 they have never got my permission to use my information in no shape, form, or fashion which is a violation to my consumer rights. I am seeking {$1000.00} each violation from all of the following companies ( XXXX, XXXX, XXXX, Resurgent Receivables LLC. ) I have tried to resolve this issue with the Credit Reporting Agencies by disputing this negative item on my report and all XXXX agencies failed to do so. The XXXX Credit Reporting Agencies listed above never contacted me to verify and validate to see rather or not if the information the company RESURGENT RECEIVABLES LLC reporting is accurate or not which is another violation and I need {$1000.00} from all XXXX agencys for that as well. They are all in VIOLATION 18USC 1028A According to Federal Law, I am reporting identity theft to all these following companies which is XXXX, XXXX, XXXX, XXXX XXXX Bank and Resurgent Receivables LLC. I am demanding {$1000.00} for each violation. This company Resurgent Receivables LLC has caused so much damage to my life, and family and emotional stress, depression, anxiety and embarrassment to my life and family, and my business as well. Reporting false information 15USC 1666B is a VIOLATION to my consumer rights. Its hard for me to sleep at night due to what Resurgent Receivables LLC is doing to me and harassing me about this alleged debt. 15 usc 1692C ( C ) refers to what Resurgent Receivables LLC is doing to me. 15USC 1681 ( B ) where it states that as a consumer would need to give you PERMISSION to furnish information on my behalf. Did I, XXXX XXXX, give Resurgent Receivables LLC permission to furnish my private information? NO I DID NOT which is another VIOLATION and I am demanding {$1000.00} for every violation to my consumer rights. 18USC 1028A is another VIOLATION on the behalf of all XXXX Credit Reporting Agencies and Resurgent Receivables LLC. 18 U.S. Code 1028 they ( XXXX, XXXX, XXXX XXXX, Resurgent Receivables LLC all are in violation. 15USC 1962D they are harassing me by constantly reporting this information every month since as of XXXX XXXX XX/XX/2022 and I have been depressed since and this has been ruining my reputation 18USC 1341. My reputation is my Credit Report. Because if I want to get a new car from the dealership or get a new home extending my credit, I will not be able to do because Resurgent Receivables LLC has ruined my reputation and causing my credit scores to decrease tremendously! To me as a consumer, my reputation is my credit score and credit worthiness and no companies are extending me any credit due to what Resurgent Receivables LLC has done to my reputation. Please investigate these two companies Resurgent Receivables LLC and XXXX XXXX XXXX because they are not obeying the Federal Law 18 U.S. Code 1343 I am demanding them to prove how I owe them debt, and demanding {$1000.00} for each violation, please investigate Resurgent Receivables LLC. They are harassing me 15USC 1692c, 15USC 1692d, 15USC 1692e and please CFPB please help me with your best ability to resolve this situation and get my remedy for each violation this company has caused to me as a consumer. Next I will be filing XXXX. Best regards.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX Collection Agency Name : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards [ : XXXX XXXX XXXX XXXX. ] cc Federal Trade Commission
Company Response:
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Beginning late spring/early summer 2021 I began receiving collection notices from Resurgent Capital Services XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX Resurgent is a collection agency. I did not recognize the account on which Resurgent was collecting so I wrote to them asking for documents supporting their claim. Resurgent responded by sending two account statements, both showing zero payments. Resurgent sent neither a Cardholder Agreement nor any other document establishing me as being legally responsible for the account. Since Resurgent can not collect on an account for which it can not provide legal proof I again asked ( twice ) for these materials ; I even wrote to their CEO, XXXX XXXX. Resurgent never sent me anything other than the two account statements I have described. Bottom line, Resurgent has never provided anything to support its claim, but continues pursuing collection activities against me. Resurgent has even reported me to the XXXX credit reporting agency, causing my credit score to drop nearly 40 points.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING LLC are trying multiple times illegally attempting to collect a debt and money that I do not owe. i never had a agreement with lvnv funding llc
Company Response:
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Ivnv funding LLC for the amount XXXX I have no knowledge of this account
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A