Date Received: 2021-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: HI LVNV FUNINDG / RESURGENT CAPITAL ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt with 12 XXXX XXXX XXXX XXXX XXXX and I do not have a contract with LVNV FUNDING LLC plus they did not provide me with the original application like I asked. Account XXXX Amount Disputed : {$620.00}
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
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: 11206
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Company Response:
State: CA
Zip: 95670
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I pulled my credit reports a months ago and I notice an account was reporting that I was not aware of, I then reached out to the company. I requested proper validation that is 100 % accurate according to the FDCPA and FCRA. Nothing was provided for on each occasion. All I received was a print out of a debt that is said to be mine.
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
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 deleted from my credit report. XXXX : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 2. Identity Theft XXXX Account XXXX : XXXX This is not mine. XXXX XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 3. Identity Theft LVNVFUNDG Account XXXX : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: " Resurgent Capital Services '', " LVNV Funding LLC '' and " XXXX XXXX XXXX XXXX '', all have been sending me Collection Letters, Settlement Letters and Threats of Collection, for a " XXXX XXXX Credit Card '', that I did not possess, with an outstanding balance of {$840.00} dollars ( XXXX ), all of the aforementioned Fraud Companies have also tried to get me to sttle for half of the total amount, they claim I owe, I had fought this " Fraud '' debt as far back as ... 2005? and assumed that it had all been settled through " XXXX XXXX '', till just recently, I have even checked my credit report, and do not see this negative strike? this is from 16 years ago, and I doubt that, I still have my correspondence records pertaining to the settlement? I have requested documents of proof from " Resurgent Capital Services '' and " LVNV Funding LLC '', and have yet to receive any type of documentation, this I feel is " Double Fraud '' and plan to have my bank put a block on these 2 establishments. THIS IS CRIMINAL! I have attached the latest " Fraudulent '' demand letter. Regards, XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was perusing my credit reports last month and came across a collection account that was originally with a LVNV Funding, but it said that a company called Resurgent Capital Services and I was instructed to contact them directly regarding this collection account. I have absolutely no idea what this collection is from. I do not recognize it at all. It is a small collection of only {$230.00}, so I sent an email to Resurgent Capital Services and included a screen shot of the collection account from my credit report and provided them with my full name. I informed them that I have absolutely no idea what this debt/collection is from, but that I simply want/need it deleted from my credit reports, so I asked if they would be willing to settle this collection for a lesser amount in exchange for deletion from my credit reports. I had to email Resurgent Capital Services MULTIPLE times before I finally got a response nearly a month later. I received a response from someone named XXXX XXXX, who stated that she was unable to locate " any specific account '' in their system under my name. She then asked for very personal information, such as my social security number, date of birth, my address, etc., which I REFUSED to provide her. I don't even know who these people are. I provided her with my full name as well as a screen shot of the collection account from my credit report, which should provide ample information for her to locate any account that they may have for me. I responded and informed her that if they have no record of any collection accounts for me, then they need to IMMEDIATELY delete this collection from all 3 of my credit reports. Resurgent Capital is now refusing to respond to me and this collection account for {$230.00} is STILL showing on my credit reports. I need it deleted IMMEDIATELY. This is slanderous and false credit reporting and they are violating my consumer rights by refusing to not only communicate with me regarding this, but also refusing to delete this from the credit bureaus. With my complaint I have attached a screen shot of this collection account as it is seen on my credit report.
Company Response:
State: ME
Zip: 04401
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has sold my private information to resurgent without my authorization. I am to receive compensation for damages, they have violated my right to privacy. Pursuant to 15 usc 1692 ( e ) They are in violation of the ( FDCPA ) fair debt collection practices act, 15 USC 1692c ( a ). They do not have consent they are in violation and I am seeking damages XXXX XXXX constantly keeping selling my private information to different companies that currently harass me daily by phone and mail.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A