Date Received: 2022-02-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV FUNDING has reported false open dates onto my credit account re-aging old debt and they did not send proof to collect on this debt when asked
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. ( LVNV FUNDING LLC ) is reporting on my personal credit file with ( XXXX XXXX credit reporting agency . These account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. ( CREDIT COLLECTION SERV ( LVNV FUNDING LLC XXXX ).
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 in regards to Account RESURGENT/LVNV FUNDING Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which 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 not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, XXXX ) as well as to XXXX XXXX and LVNV Funding/Resurgent Capital Services disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent has failed to provide me with requested ( validation ) proof for an item on my credit after i sent several letters asking them to do so. The last letter that i sent them dated XX/XX/XXXX. I have certified proof that someone from their office signed for it on XX/XX/XXXX. I received a letter from them dated on XX/XX/XXXX which states have initiated a review of my inquiry. They took longer than 30 days to respond. As of today XX/XX/XXXX, I still have not anything from them. My rights have been violated according to the FDCPA. Which states, If the debt collection agency doesnt respond to your request for a debt validation letter, they violate the Fair Debt Collection Practices Act ( FDCPA ). Please see attached
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This notice with the CFPB serves as my written response to the Resurgent Acquisition LLC dated from their mailed letter XX/XX/22 that I have no knowledge of this alleged debt and request for it to to be sent back to the original creditor.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Today I received a letter from resurgent capital services claiming they I wrongfully owed {$910.00} claiming to belong to XXXX XXXXXXXX XXXX and that XXXX XXXXXXXX XXXX XXXXs a scam and somehow they tried to route Resurgent capital services to pay the wrongful debt
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX FUDNING Has fraudulently trying to collect the wrong amount on a debt and has yet to verify such accounts with correct names and information. Accounts were opened fraudulently and trying to collect illegally without merit. XXXX Funding has yet to provide proper documentation for accounts and verify such debt. I don't know who is XXXX Funding and never signed up for any XXXX FUNDING accounts which this accounts are illegally opened without my consent.
Company Response:
State: CA
Zip: 90033
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. I received a copy of my credit report and found a few fraudulent accounts that need to be addressed. The fraudulent account is LVNV FUNDING LLC, the original creditor is XXXX XXXX BANK XXXX I did not open a XXXX XXXX Bank credit account. I reported this account as fraudulent to XXXX XXXX Bank who told me to contact the current owner of the debt, LVNV Funding.
Company Response:
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX sold this debt to lvnv funding llc- they have been contacted by me and my power of attorney and they have not provided all the necessary documents that prove the validity of a debt
Company Response:
State: RI
Zip: 02914
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A