Date Received: 2021-07-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Resurgent reached out to me Frist in XXXX of XXXX about a debt they had purchased from XXXX XXXX XXXX in XXXX of XXXX XXXX XXXX had notified me in XXXX of XXXX of the sale of the debt. I reached out to Resurgent via the number provided by XXXX XXXX and got no response in relation to the debt. Resurgent Failed to take over the debt, verify the debt or contact me in any way shape or form for 6 months. Way over the allowed timeline. In addition to this up until XXXX of XXXX XXXX XXXX was still reporting to the credit bureau and Resurgent had not reported that they were the owners of the debt in question. Resurgent just now report the debt to the credit bureau as past due in XXXX of XXXX almost a Full year after their purchase of the debt. Resurgent actively denied my rights to dispute the debt within an timely manner and were unresponsive. They did not follow proper procedure and did not report accurately to the credit bureaus. Credit one also did not properly protect my information as a client and sold my email to Resurgent. I never gave authorization to XXXX XXXX to misuse my information and Resurgent never verified how they received this information Attached you will see the credit report from XXXX showing this account was not reported Till XXXX of XXXX. You will also see the email from Resurgent date XX/XX/XXXX and them stating they have owned this account since XXXX of XXXX.
Company Response:
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt collector no longer has the account. When I went to the website it says I owe XXXX dollars. When I contacted them about it they informed me they no longer had the debt. I asked them to remove the account and they said they wouldnt.
Company Response:
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Previous request was closed as duplicate, ich is not!!! THIS DEBT DOES NOT BELONG TO ME! LVNV reported balance of {$620.00} which is not mine. It was reported and deleted from XXXX and XXXX now refuse to delete from my XXXX credit report account. I need this resolved ASAP. This has a financial impact on my XXXX credit report!
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RESURGENT/LVNV FUNDING is a 3rd party collection agency for a company known as XXXX XXXX XXXX, which is reflecting on my XXXX credit report under a profile that does not match mine ( last name, address, phone, employer, etc. ). Upon contacting XXXX by phone ( XX/XX/XXXX ) and disputing my profile information, I was instructed to send documentation ie., utility bill, DL, or state ID verifying my identity in order to correct my credit file. I also contacted Resurgent/LVNV FUNDING LLC by phone ( XX/XX/XXXX ). I informed the representative that I was never known by the last name on the account, never lived at the address of the account holder, the phone number given was not mine nor did I recognize the company " XXXX. '' I requested proof of debt ; e.g an invoice, signed contract/agreement, statement, etc. ; documentation with my legal name on it, showing that this debt belongs to me. I was told I would receive it in 3-5 business days. During my wait, I sent XXXX the documentation that was requested along with a letter identifying the error in question via USPS Certified mail. Since I had not received correspondence from Resurgent, on XX/XX/XXXX, I sent a request letter for proof of debt via USPS certified mail, since I had not received correspondence from LVNV FUNDING LLC /Resurgent. On XX/XX/XXXX, I received an " Identity Theft Affidavit ''. I immediately contacted LVNV FUNDING LLC/Resurgent by phone explaining that I am not a victim of identity theft and I did not request an XXXX, I requested " PROOF OF DEBT ''. I was again, told I would receive it within 5-10 days. As of today, XX/XX/XXXX, I have not received any proof that the collection account belongs to me, but I did receive a vague, general email response from XXXX in which was noted on my consumer report as " verified ''. A " Before and After '', scenario ; which is copied and pasted as follows : BEFORE RESURGENT/LVNV FUNDING Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX AFTER : RESURGENT/LVNV FUNDING Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$290.00} past is due as of XX/XX/XXXX. Status Updated XX/XX/XXXX $ 0 Monthly Payment {$290.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$290.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount Date Opened Collection account. {$290.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX $ 0 Monthly Payment {$290.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$290.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount At no point has Experian or LVNV FUNDING LLC/Resurgent proven that this debt belongs to me. It is the only credit account out of all of my creditors that is reflecting a profile that doesn't match mine. The back-and-forth with these companies is getting exhausting. I have come to the conclusion that 3rd party collection and/or consumer reporting agencies are not regulated close enough to ensure that the information is correct. In my opinion, there should be stiffer mandates in place in which consumer reporting agencies should be required to legally validate the source in which consumer information is received. These agencies shouldn't be legal, but I'll leave that to the politicians ; it's all about MONEY anyway. My expected resolve is any legal document, with my legal name reflecting a collaborative agreement for a credit account with XXXX/Resurgent. In addition, I need XXXX to CORRECT their ERRORS or verify with legal documentation.
Company Response:
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
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 and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. Account NoXXXX Amount Disputed : {$10000.00}
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They have called me numerous times for a debt older than 7 years. They are now calling my Mother in law telling her to get a lawyer. It is harassment. LVNV Funding
Company Response:
State: TX
Zip: 78729
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
Company Response:
State: IN
Zip: 46222
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV FUNDING is harassing me about a debt that I dont not owe and Ive never did business with LVNV FUNDING so why are they contacting me that is a violation under 15 usc 1692d and 15 usc 1692c and they sent me letters with their company logo on it and that is a violation under 15 usc 1692f ( a ) and they are also charging me different amounts that violates 15 usc 1692c 15 usc 1605 ( A ) 15 usc 1692 f ( 1 ) Ive sent them a debt validation letter requesting the 5 components to validate I owe this debt and to show me proff of a contract that I have with them along with proof of who the true creditor is, I expect to receive that. I also sent out a cease and desist letter as well.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33542
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A