Date Received: 2021-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This frivolous account remains on my credit report despite many written complaints to the three credit bureaus. In my First Dispute, I ask that the account be checked and " confirmed. '' According to the three credit bureaus, this company " confirmed '' that this item is being " reported appropriately. '' As a Second Dispute, I request that the First Request be Reinvestigated, because the bogus account is still on my credit report. Following the Second Dispute, the three credit bureaus indicated that this company " confirmed '' that these things were " reported appropriately. '' As a third point of contention, I asked, " Who validated these accounts? '' How did these accounts become verified? Provided me with copies of ALL original documentation ( s ) on files, such as contracts or legally enforceable agreements ( as proof ), with my signature on it pertaining to the disputed account. This company was unable to supply me with a copy of ANY original documentation for this item that I sought. I DEMAND THAT THIS ITEM BE REMOVED/DELETED IMMEDIATELY FROM MY CREDIT REPORT. I fully intend to file a lawsuit in accordance with the FCRA to enforce my rights, seek relief, and obtain all monetary damages that I may be entitled to as a result of your continuous willful and careless non-compliance under Sections 616 and 617.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX a police report about this loan being fraudulent. They still have't taking it off.
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services/LVNV Funding is in violation of Truth in Lending as well as Fair Debt Collection Practices Act laws. Resurgent Capital Services/LVNV Funding sent me a letter on XX/XX/2021 stating that they have " acquired an account in which I am the alleged account holder. '' The letter stated that they are a debt collector but not attempting to collect a debt at that time. I have no contract or agreement with Resurgent Capital Services/LVNV Funding. On XX/XX/2021, I sent Resurgent Capital Services/LVNV Funding a packet with an Affidavit of Truth, Invoice, Debt Validation Form, Cease and Desist as well as 6 Exhibits labeled Exhibit A-Exhibit F with documented evidence/proof that Resurgent Capital Services/LVNV Funding is in violation of Federal laws in regards to me as a consumer as well as violating my natural person. My letter was signed and notarized under penalty of perjury. On XX/XX/2021, Resurgent Capital Services/LVNV Funding sent me an envelope that was not even sealed whereas anyone could have read the contents inside. In this packet was a paper listing me as the account holder, the original creditor as XXXX XXXX XXXX with a balance of {$4700.00}. They also sent me a loan agreement with my name typed at the top and with XXXX XXXX XXXX XXXX XXXX Loan Agreement and Promissory note typed underneath. This loan agreement and promissory note is in itself questionable as anyone can type a name on anything and say they owe it. Secondly, this still shows no documented proof of any contract between my person and Resurgent Capital Services/LVNV Funding. Resurgent Capital Services/LVNV Funding is acting on the presumption that some relationship that they may have with XXXX XXXX XXXX XXXX is in some way related to me. I confirm that I am not a party to this implied relationship Resurgent Capital Services/LVNV Funding has with XXXX XXXX XXXX XXXX either directly, indirectly, neither by any means of tacit consent. Resurgent Capital Services/LVNV Funding is in violation of 15 USC 1692e ( 2 ) ( A ). This is evidenced in Exhibit A of the packet. Resurgent Capital Services/LVNV Funding is in violation of 15 USC 1692g ( c ) as I have never admitted liability to any debt with any of these companies. This is evidenced in Exhibit B as Resurgent Capital Services/LVNV Funding has not and can not prove that the alleged debt even belongs to me. Resurgent Capital Services/LVNV Funding is in violation of 15 USC 1692 ( g ) ( 5 ) in which they are saying XXXX XXXX XXXX is the original creditor. What is the proof that you have that this is accurate verifiable information that you can show me. A copy of a statement or agreement ( especially an unsigned agreement ) is not verifiable or validated proof. Furthermore, how did Resurgent Capital Services/LVNV Funding acquire this contract since Resurgent Capital Services/LVNV Funding is a 3rd party? A privacy breach may be another violation as the alleged consumer has not given any consent to any 3rd parties of alleged debt. In Resurgent Capital Services/LVNV Funding 's letter dated XX/XX/2021, it clearly stats that " this is an attempt to collect a debt and that this communication is from a debt collector. '' Pursuant to 15 USC 1692j, Resurgent Capital Services/LVNV Funding unlawfully furnished forms to make me think I owe an alleged debt and this is inviolation of federal law. Pursuant to 15 USC 1611 ( 3 ), Resurgent Capital Services/LVNV Funding is CRIMINALLY liable for knowingly and willfully reporting fraudulent and invalidated information to the credit bureaus. It is very evident that there is no contractual agreement between my person and Resurgent Capital Services/LVNV Funding. Resurgent Capital Services/LVNV Funding is also civilly liable for the mental anguish and stress they have imposed on my person and natural person pursuant to 15 USC 1640 ( a ) ( 1 ). The Affidavit of Truth that was mailed on XX/XX/2021 was not responded to at all. An unrebutted Affidavit of Truth point by point, signed XXXX preferably y CEO/CFO of Resurgent Capital Services/LVNV Funding and notarized under penalty of perjury is considered admission of guilt and Truth in Commerce. Additionally, I asked for the debt validation form included in packet on pages 6-7 to be returned back to me within 30 days completely filled out and signed. I have not received this either. The packet mailed to Resurgent Capital Services on XX/XX/2021 is attached to this CFPB complaint for reference.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Account No : XXXX Amount : XXXX This debt is not mine I demand it off my credit report in XXXX I never lived in XXXX were the card was opened, their for by law if its not yours it should be taken off your credit report. If its not of my credit I'm going to file a small claims court.
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Company Response:
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I didn't know about this judgement. Never received a notice. However, I was never severed by mail, I wasn't residing in the State of Michigan for the past 5 years. The debt, must be a charge off creditor. However, The stature of limitations has been longer than 7 years, of no payment or contact, by mail and or phone. Time barred account. They took my income tax, I filed with the state of Michigan. This is a ROGE collection company. Looked up their history, in doing business with people.
Company Response:
State: MI
Zip: 48505
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... LVNV FUNDING LLC XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was paid. After numerous attempts to dispute I had no choice but to pay this. Please remove from all 3 credit reporting agencies so that I can move on with my life.
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received XXXX emails today from XXXX LVNV Funding regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXXXXXX XXXX. I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.
Company Response:
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.
Company Response:
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A