Date Received: 2021-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
Company Response:
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
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: The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$710.00}
Company Response:
State: TX
Zip: 79930
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of identity theft. I do not know who this company is. I never done any business with this company ever. I do not not know how this company got my information. I sent this company multiple letters certified and they has not removed this fraud account from my credit reports. I demand this account to be removed immediately.
Company Response:
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I applied for XXXX XXXX XX/XX/2019 and never used it but was charged. I have dental insurance and my insurance paid for most of it. I paid my part, and I have proof. I have mailed a letter to the Resurgent asking for verification of the amount and I didn't get it. Also, I sent a letter to each of the credit reporting agencies to verify the debt amount. And I didn't get anything that proved that I owe them. I have the original bill from XXXX it shows the amount I paid. And I recently got a letter from XXXX XXXX XXXX XXXX , XXXX for the same bill.
Company Response:
State: MD
Zip: 21804
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/2021 at XXXX XXXX, an email was sent to my husbands EX wife about my account. Below is a copy and paste of the email that went out. It is already hard enough dealing with my husbands ex, but to also give her information that I have an unpaid bill and steps to access the account is so wrong. I have contacted the company and they state they were given his ex 's email. I know for a fact we did not give that information. I have also called the original creditor to find out what email they have, and the only one they have is my email. The one they are supposed to have. This collection company stated they have only had this for two days. Well, 1 day ago is when it went to my husbands ex. Please advise on what steps I need to take next. Email from the collection agency is copied and pasted below. Thank you, XXXX XXXX. XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Wed, XX/XX/2021 at XXXX PM Subject : XXXX, here 's what you need to know. To : XXXX Unsubscribe if you don't want to receive emails from us. This important message is for XXXX XXXX. If you are not this person please delete this email. Here 's what you need to know to take the next step XXXX. Your account ending in XXXX was sold by XXXX XXXX XXXX on XX/XX/2021 due to unpaid status. The new account owner is LVNV Funding LLC. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, XXXX XXXX XXXX. So, what is the next step? Let 's get you started on an affordable payment plan! XXXX offers customers the option to view account details like your original creditor and current account owner and make payment arrangements online at portal.resurgent.com. Prefer to discuss in person? Our knowledgeable Customer Care Team is available to answer any questions. Use the buttons below to take the next step. I want to handle this online I want to talk to a person Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team.
Company Response:
State: IN
Zip: 47304
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was contacted by XXXX on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). Attach any police report, government ID containing your signature, or other document that you believe would be relevant. If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX. had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. LVNV Funding as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " XXXX '' a car company that has been sued in a class action suit. XXXX sold my account and still tried to collect on the debt that I did not owe as well as LVNV. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to LVNV on XX/XX/2021 and XX/XX/2021 and LVNV retaliated by filing a suit on XX/XX/2021. The plaintiff, LVNV has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser LVNV of the date he account first became delinquent. ( I no longer owe the XXXX debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the XXXX account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " XXXX XXXX XXXX ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached XXXX XXXX, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( XXXX account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX I notice on my credit report that this company was reporting I owe them a debt. I reached out to the company on multiple occasions to verify the debt and explain to me what methods they have used to verify such. They have yet to send any of the information I requested and continue to report this Information to the CRAs
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A