Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : Identity Theft 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 XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft Account XXXX : XXXX This is not mine. 6. Identity Theft Account XXXX : XXXX This is not mine. Identity Theft 12 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Some company named LVNV ( Theyre not even on my credit report ) filed a Lawsuit against me in XXXX of this year with a Lawfirm in Michigan, I live in Ohio. Someone apparently signed my name with COV19 ( I would never sign my name in that manner ) to make the lawsuit legitimate. I only found out about the lawsuit because bankruptcy Attorneys began sending me letters informing me that I was being sued. I never received a complaint. I have no business with this company nor Lawfirm or Attorney.
Company Response:
State: OH
Zip: 43213
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 is not yours
Consumer Complaint: LVNV FUNDING LLP OR RESURGENT CAPITAL SERVICES have been trying to collect some debts that I do not recognize ; I have already disputed those debts, two that appear with a name that is not mine and one that does have my name. I have asked them for information, signed contracts that legitimize the debt and they have not been able to fulfill.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received was served a summons XX/XX/XXXX from LVNV Funding. I do not owe LVNV Funding any money nor do I have a debt with this company. I have any outstanding debt with XXXX XXXX XXXX. I enrolled in a debt consolidation program XXXX, XXXX with XXXX and have made every payment timely. This XXXX XXXX XXXX debt is part of my debt consolidation. I received a letter from XXXX XXXX XXXX XXXX XXXX and XXXX dated XX/XX/XXXX. I contacted the office XX/XX/XXXX to explain I do not owe LVNV Funding and I am currently enrolled in a debt consolidation program ( I will complete the program in XXXX, XXXX XXXX. The Law Office of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX I spoke to XXXX and tried to explain I am in a debt consolidation program and the debt will be settled with the original creditor. XXXX became rude and hung up in my face. I then contacted XXXX and gave them the information. This is unacceptable and I would like this matter published and handled. The lawsuit is bogus I do not owe LVNV Funding any money!
Company Response:
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV Funding LLC has been reporting an inaccurate account to XXXX XXXX XXXX, a consumer credit bureau, for years after several attempts by myself to dispute. I have never done any business with LVNV Funding and they have no proof that I owe them any debt. I have disputed this debt several times, including XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the process, LVNV Funding LLC has committed multiple violations under the Fair Credit Reporting Act.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 Certified Mail Return Receipt required BY EMAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Email : XXXX Resurgent Capital Email : Re : XXXX XXXX Account Number XXXX- XXXX Account Resurgent XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, to inform you that I dispute the alleged debt associated with Account Number XXXX XXXX Account Resurgent XXXX. I do not owe the amount alleged by you. Never received documentation to validate the debt, remove the item from the credit report all of them. Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. Sincerely, XXXX XXXX XXXX. XXXX, XXXX, XXXX and CFB
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I requested my credit report in XXXX of 2021 and when I viewed them I found a collection on my credit. This is not my debt to owe. When I contacted Resurgent Receivables LLC on XX/XX/2021 which was the initial contact, they did not send me a written notice within 5 days. I had to write them a letter on XX/XX/2021 needing them to validate the debt. Furthermore upon reviewing the debt that is not mine, there seems to be interest and other charges tacked onto the amount owed which also does not follow FDCPA. I was never once contacted about this debt. See section 808 ( 15 USC 1692f ) and 809. Validation of debts ( 15 USC 1692g ) on why this company does not follow FDCPA. I need this debt to be removed from my credit immediately.
Company Response:
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This company called LVNV is reporting on my credit profile and I do not have and contractual obligations with them. I have contacted several times about validating this debt that they say that I owe them. They have contacted relatives and they have contacted my employer stating that they are looking for me saying that I owe them. This is violation of my privacy.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had 2 Credit Cards through XXXX XXXX XXXX. One had paid Credit Protection and one did not. I became XXXX and exercised my credit protection. My request was granted, but the account was charged off in 90 days. The other was charged off a couple of months later. The account with credit protection got sold to Resurgent Capital Services/LVNV Funding and the one without got sold to XXXX XXXX. LVNV Funding has been reporting a collection account for the charged off debt that had credit protection on it. When I got approved for XXXX, I squared myself with the debts I owed. I called XXXX XXXX and I paid the entire balance without negotiating and they were not reporting on my credit report, but I owed the money. It was a valid debt. The account currently managed by Resurgent Capital Services/LVNV Funding, account number XXXX, definitely had an innacucurate balance because my credit protection should have paid it down to all but {$100.00} or so. I disputed the original creditor account and XXXXVNV Funding at the same time. XXXX XXXX XXXX realized the mistake, realized that I made them whole through the other account and they agreed with me that it should not have been charged off, and that month they removed both accounts from my credit report. In the same month, LVNV Funding validated that their collection activity was accurate. To this day, 8 rounds of disputes, several phone calls and an FHA loan VS a conventional loan at the expense of 30 points for this phony collection. It's going to cost me thousands of dollars in PMI and interest because of what they are doing. Every time I dispute, I dispute with all 3 bureaus and LVNV Funding. LVNV Funding always opens, investigates and closes a dispute in minutes. There is absolutely no way they verified reporting information with the original creditor and got somebody to validate it within the same day 8 times in a row. The acknowledgement letter, the print out of account information and a validation letter are all produced, printed and mailed within the same day. I called this company and explained to them that I had credit protection on the account and that I was XXXX. She asked to send the award letter, I did. They put the account into " Non-collection Status '' in which it remains and is costing me 30 FICO points on a XXXX. I got a settlement offer two months ago for half that owed. I called in the other day as I'm closing in on closing on a home and I asked for argument sake what it would cost to pay to delete. The lady offered me {$700.00} after she knew I was trying to obtain credit. It's legalized extortion and it's under your purview of regulation. The only reason I even considered a pay for delete was the cost/benefit analysis of pay for delete VS litigation, etc ... Now I've obtained my mortgage, it is sub-prime, and I am asking the Bureau to exercise all of my rights for me afforded to me under the Constitution, Federal Law, State Law , County Law and municipalities to obtain some sort of punitive justice. Even if half the awards get donated to a consumer rights non-profit of your choice. At very least, this item must be removed from my credit report and this company must be held accountable for the actions it took. I will see through that that is done effectively and justly. I have included all of the documents that I have already provided both XXXX XXXX XXXX and LVNV Funding. Thank You, XXXX XXXX
Company Response:
State: FL
Zip: 34112
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A