Date Received: 2021-09-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV FUNDING LLC. JUST POSTED THIS FILE ON MY XXXX CREDIT AS A DEROGOTORY ACCOUNT, AND IVE NEVER DEALT WITH THEM OR OPEN ANY RECENT ACCOUNTS. I AM REQUESTING A VALIDATION IN WRITING OF THIS ACCOUNT SHOW DATES AND AMOUNTS BECAUSE IT LOOKS LIKE THEY ARE TRYING TO REAGE SOMETHING THAT IM NOT FAMILIAR WITH. THE FAIR CREDIT REPORTING ACT SAYS IM ENTIGHTLED TO THAN IN A TIMELY MANNER. I AM XXXX AM ON XXXX, WHICH MEANS MY INCOME IS FEDERALLY PROTECTED. I AM ASLO REQUESTING NO FURTHER ATTEMPTS TO CONTACT ME BY THIS COMPANY AFTER I GET MY VALIDATION PROOF FROM THEM.
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: about 2 months ago i checked my credit and found a collection on my credit report i wrote to the 3 credit bureaus XXXX XXXX and XXXX about them reporting that derotegrtory item on my report. i also tried reaching out to the company in writting for help just to see whom they said i owe and what its for but i got no response and the 3 bureaus keeps telling me verified. but when i ask for proof they just keep sending me back to the collection agency. so i XXXX it and found your site. i am asking for help if you can please help me its damaging my character. i tried to make mends and no response but its sitting on my credit report. the company is XXXX XXXX /RESURGENT CAPITAL SERVICES ID # XXXX. thanks inadvance.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Lvnv funding llc. C/o resurgent capital services XXXX XXXX XXXX XXXX sc XXXX XXXX ( XXXX ) XXXX assigned date XX/XX/2017 has been sending me collection notices in the amount of & XXXX as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I just saw it on my Credit report without notified me they didn't send even one letter they just reported on my Credit it hurts my score badly
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This tried to illegally collect on a debt I received a letter that they would sue then I received a letter from the courts stating the case was thrown out but its hasnt been removed from my credit
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX of XXXX I obtained my credit report from the 3 bureaus. I noticed a collection account on my report from LVNV FUNDING better know as Resurgent Capital. I have never applied for a XXXX XXXX credit card until I received an invite in the mail in XXXX of XXXX. On my report it states I have a charged off account. I sent a request for debt validation on XX/XX/XXXX and requested it be sent within 30 days not a Verification of address or a bill. On XX/XX/XXXX they sent a Verification of my address that i didnt ask for. I called them to get the matter cleared and they told me they had to submit a new dispute, using stall tatics, when I offered to send my fraud report from the FTC. Its now XX/XX/XXXX and the closed account is still on my reports and that's pass the 30 days that is given by the FCRA. I volunteered the fraud report to XXXX XXXX and XXXX i didnt get her last name and they didnt tell me where to send it to. Its also a closed account thats not mine and serves no purpose i want it removed. They violated my rights by not complying within the time frame. I want this account permanently deleted and no further contact with LVNV FUNDING and RESURGENT CAPITAL.
Company Response:
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i want them to be removed. 1. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 4. Identity Theft LVNVFUNDG Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A