Date Received: 2021-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company LVNV Funding also Known as Resurgent Capital Services L.P. has been contacted several times for verification of the debt the claim I owe. I have sent several letters to try and resolve this alleged debt they claim I owe, and there has not been a resolution to this matter. Over the course of two years several letters that was sent to them had came back as undeliverable. A letter was sent out on XX/XX/2020 and was returned two weeks later as undeliverable. They are damaging my XXXX credit report by incorrectly reporting I owe a debt in the amount of {$790.00}. There has never been any contractual agreement between myself and LVNV Funding. In addition, this alleged debt they claim I owe is past the statute of limitation in the State of New York.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In 2017 I opened credit cards and used them to pay on a student loans. Shortly after I was let go from my place of employment because other employees said they didn't want me in the building with them and a mother complained I wasn't hugging her son enough during drop off. Because of the loss of work I was unable to make any payments on student loans, car loans and housing. Where my credit history shows I was making on time payments. It is now over 7 years sense I took on this debt to further my education a direct violation of The Individuals with Disabilities Education Act ( IDEA ) is a law that makes available a free appropriate public education to eligible children with disabilities throughout the nation and ensures special education and related services to those children. XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX authorized custodian of XXXX XXXX XXXX, successor in intrest to XXXX. XXXX XXXX Bill of Sale XX/XX/2020. these charges were for housing and student loan debt over 7 years old as a result of preadtory lending.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2021 and XX/XX/XXXX disputing the claimed debt from LVNV Funding LLC- In my requests I asked for validation of the debt and the signed contract to verify the agreement. The company, within 30 days, has failed to comply or remove damaging information from my credit report. The unvalidated debt for {$670.00} remains on all three of my credit reports. It is now XX/XX/2021 - and despite my two attempts to dispute the unverified data and request for proof of validation, remains ( 18 days past the limitations ).
Company Response:
State: TX
Zip: 78705
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
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: I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This credit card account was a result of identify theft. I reported this to the credit bureaus once I noticed it on my credit bureau reporting and it was confirmed fraud and removed off of my credit report. I never heard anything else regarding this account until I saw my XXXX XXXX XXXX account was deducted over XXXX XXXX XXXX. I spoke to XXXX XXXX and they advised me that it was a garnishment and provided me with the number to LVNV Funding. Once I spoke with them they advised that it was a garnishment on my wages and should not have been deducted from my bank account, however I advised them at that time that this was an account that had already been disputed and I should not be held responsible for this. I never received any type of court document or notification that they were even pursuing a garnishment because they sent it to the fraudulent address. A month after I spoke with them I received a notice stating that they were releasing the garnishment on my bank account so I had assumed that it was taken care of. However, on XX/XX/XXXX I received a notice to my address that they were going to pursue a garnishment on my wages once again. I did not apply for this account and I have never used this account they are trying to garnish me for. All of my credit cards have always been in good standing.
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The account is appearing on my credit report, i have disputed this account more than once. Once it was removed it was put back on my file with a different name. Its causing damage to my credit profile and the debt doesnt belong to me. XXXX XXXX XXXX # XXXX Account owner : Lvnv funding llc {$440.00}XX/XX/XXXX
Company Response:
State: NJ
Zip: 08057
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am disputing about 5 credit accounts that I found out I had on XXXX. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with XXXX XXXX XXXX XXXX, XXXX. The client of them is LVNV Funding, LLC. Original creditor was XXXX. For the amount of XXXX. I have been disputing through XXXX but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021 I received an email from XXXX XXXX of XXXX, claiming that they were attempting to collect a {$3700.00} debt supposedly owed by me to LVNV Funding LLC. I responded immediately the same day, requesting that XXXX send me specific information regarding this alleged debt. I also informed her that I believed that either they had the wrong XXXX XXXX, or I was being scammed by them. I absolutely do not recognize or acknowledge any such debt. The following day, XX/XX/2021, XXXX XXXX XXXX XXXX responded to my email advising me that all collection activity had been suspended pending an investigation, and that they would not resume collection activity until I had been provided with validation documentation. Today, Sunday, XX/XX/2021, XXXX XXXX has again sent me a notice that they are attempting to collect the same " debt ''. I have received absolutely nothing to identify or validate this supposed debt, as XXXX XXXX stated would be done before any collection attempts went forward.
Company Response:
State: WA
Zip: 98664
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A