Date Received: 2021-09-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I send a request for validation letter to LVNV Funding on XX/XX/2021 via usps certified mail and they received the letter on XX/XX/XXXX ( proof attached to this complaint ). The company had 30 days to respond to the request for validation letter and they failed to provide me with proof of validation. this company is violating the Fair Debt Collector Practice Act by failing to provide me the information requested at this point they on default and in violations of 15 usc 1692 and 15 usc 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of Pursuant 15 usc 1602e i am the natural person and the only one who can validates the alleged debt. I do not owe this debt and I refuse to pay this debt. I want this company to remove this account immediately of all CRA 's due to failure to provide proof for validation and default for not responding within the 30 days.
Company Response:
State: NY
Zip: 10562
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXXXXXX ( XXXX ) XXXX XX/XX/2016 I have tried to dispute this several times, this collection was removed off of the other credit bureau but is still with XXXX.I refuse to call this company because they continue to ask me for my personal information, without taking the account number. That's because they want to stick me with paying this. A debit validation letter was send, after the original credit charged it off. They have no right to collect from me. I need this deleted from my account. They have to show a legal right to collect. I need a sign contract and they can not provide this for me. They don't have the life of the account. They brought this debt, and in the State of California they are not able to collect, also is the company a real legal company. I have not agreed to pay this debit. I have disputed it.
Company Response:
State: CA
Zip: 94596
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: i recently sent a letter to the LVNV FUNDING LLC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXXXXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called Resurgent Capital to pay a debt XXXX. I paid the debt associated with XXXX XXXX XXXX ( XXXX ). Then I get a letter in the mail saying I owe XXXX. Threatening to sue me and they want a transfer from XXXX from my checking. I am on XXXX SSDi ive never have a credit debt half that large. I am low income and Im afraid what there gon na do. This is Fraud the name of the debt collector is RESURGENT CAPITAL SERVICES L.P. XXXX XXXX XXXX XXXX SC XXXX phone XXXX They forged a document a d made up a lie amd they are threatening to sue me.
Company Response:
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a debt validation request on XX/XX/XXXX requesting : - agreement that grants the authority to collect this alleged debt - agreement that bears signature of the alleged debtor wherein agreed by the creditor - proof of legal right to collect this debt - agreement that bears signature of this alleged debt from the original creditor - date this alleged debt became payable - verification this debt was assigned or sold to collector I initially received a 20 % offer from Halsted financial services to settle a debt. A few weeks later I received a letter from another company stating XXXX is no longer. There is XXXX, LVNV Funding, Resurgent Services. I do not know neither of these companies. From my request above, I have received about 10 pages of document with an IP address and my name typed out as a signature. I have not received the original document that I allegedly signed to confirm all above. Anyone can type a full name. They requested an identify theft affidavit to be notarized, which have been submitted on XX/XX/XXXX. I did not get an update from them. on XX/XX/XXXX, I emailed requesting another updated and was told this was forwarded to the appropriate department. I called and asked to be transferred to said department in charge but was told that they did not have a phone line. I asked for the name and finally was given the name of the department : dispute team. I asked for their contact information and was told they did not have one. I am unsure how the dispute team is non existent. I was told I will receive a letter one day stating the outcome of this. This company is not real, they refuse to answer my questions, provide proper documentation although I have submitted the requested documents. They only have 1 department and are committing fraud by refusing to abide by the rules and submit proof of this legal debt. This collection is preventing me from getting a mortgage as it is showing up as a collection on my account. Please advise.
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below LVNV FUNDING LLC COMNWLTH FIN ( Original Creditor : XXXX XXXX XXXX ) LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2021. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2021 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XX/XX/2021. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, Im contacting you about the company LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX. They are inaccurately reporting information to the credit bureaus and are continuously adding fees that is showing up on my credit report. This is deemed as derogatory and ILLEGAL!! They have NOT sent me any information whatsoever that they are not licensed to collect in the State Of California. They have not validated this debt with me with no signatures on any letters. It is illegal for debt collectors to charge fees that the consumer never agreed upon or even made. This a very serious violation of the Fair Credit Reporting Act. They have violated my rights as a consumer and I am requesting this be removed from ALL 3-credit bureaus.
Company Response:
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
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 monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.
Company Response:
State: CA
Zip: 95670
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A