Date Received: 2021-06-25
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XX/XX/XXXX I pulled my credit file and found that LVNV Funding was reporting I had a collection account with them from XXXX XXXX XXXX. They reported the account was opened in XXXX and the amount due was over XXXX. I sent LVNV a dispute letter on XX/XX/XXXX asking them to validate this debt, I also requested contact only via mail and to not contact my home or place of employment by phone. I receive the attached response from Resurgent/LVNV stating that they went to court and receive a judgment against me. I dispute the validity of the document for multiple reasons I never received any type of notice/ documentation that I was being taken to court When I went to XXXX county records department and searched for the cause number no records were found and the cause number was invalid I requested a national court document search to locate the official paperwork and again the cause number was invalid and nothing was located via the Pacer data base. The document sent to me by Resurgent looks to be possibly made in house, It has no identification markers that are typically found on official court documents issued by the courts. I have attached all documents for your review
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX placed me 2 accounts in collections. Lvnv funding has been contacting me. I paid the smaller amount off. The larger amount i was told there is no record of account to pay. But LVNV is actively monthly reporting the debt is valid. Impossible to resolve this collection. LVNV Funding {$1200.00} Last reported XX/XX/2021 Thanks for your time, XXXX XXXX XXXX
Company Response:
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX Original creditor {$840.00} Open balance ok for one, I have never had a credit limit of that much ever, also I had a XXXX XXXX account, why would I have two, I think this is fraud or a scam, but it's not me, I closed my XXXX XXXX account with a XXXX limit in good standing. This is wrong and it is dermaticly impacting my score. So I would be greatful if you could help me remove it. It's not mine and I have never had a credit limit that high ... ever!!! Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: H LVNV FUNDING/RESURGENT CAPITAL ; wasn't there several lawsuit about this before??? 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: 02368
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case LVNV FUNDING is attempting to collect as XXXX XXXX XXXX and XXXX XXXX XXXX is attempting to collect as XXXX XXXX. These collections ( XXXX XXXX ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my credit report.
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX, I disputed a credit card debt for XXXX XXXX XXXX. The credit card account was removed from all 3 major Credit Bureaus. However, a collection account from LVNV Funding LLC surfaced on my 3 credit reports in XXXX. I successfully won another case in XXXX with LVNV for a different account with the same creditor and that collection account was removed. I attached a copy of the ruling. I have disputed this account multiple times with XXXX, XXXX, XXXX, as well as, LVNV and all they provide is a statement, but no proof of the account belonging to me. I am requesting you investigate and have this collection account removed from my Credit reports please. Account Number : XXXX Collection opened : XX/XX/XXXX Collector : LVNV FUNDING LLC Original Creditor : XXXX XXXX XXXX XXXX. {$950.00}
Company Response:
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response:
State: CA
Zip: 90301
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I recently check my credit report and noticed unauthorize inquires. I reached out to the company via letter and telephone calls. My letters were never responded back to, and phones call left me feeling like there was no hope in clearing up this error. These inquires are greatly affecting my credit score negatively and emotionally leaving I am battling anxiety due to this issue. It has been well over 30 days with no resolution and I'm beginning to feel as if big business can mistreat the ever day consumer with out repercussion.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have reached out to this company to advise them that this account is invalid it was previously being reported by a company called XXXX XXXX. I disputed the debt because it does not belong to me. All 3 credit bureaus removed the account because it could not be verified. This company XXXX XXXX XXXX now has replaced the same invalid account on my credit profile. This account should be removed at once.
Company Response:
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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: 95825
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A