Date Received: 2021-05-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was 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? XXXX. 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: TX
Zip: 77904
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Was contacted by PYOD Earlier this month about a collection that was not mine. I told them it doesnt belong to me. Now its on my credit report. I called XXXX and tried to Dispute it.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: LVNVFunding LLC. XXXX the supposed debt owner ), XXXX XXXX XXXX XXXX, SC XXXX ( as reported by XXXX XXXX has failed to comply with FCRA law. I originally disputed a debt with them XX/XX/21 sent USPS certified mail. They had 30 days in order to respond, instead, I received a response letter dated XX/XX/21 stating Resurgent Capital Services L.P was their account manager, no requested information provided. They stated that I had 30 days to respond to that letter instead of providing the account information under FCRA that I requested. I did not receive the requested information until XXXX XXXX from Resurgent their deadline was XX/XX/21 ( 30 days XXXX from my initial request to LVNV. They can not re-age the date of my request because the interworkings between LVNV and Resurgent are not consistent and lacking. Furthermore, Resurgent did not provide all documents requested. They did not provide a copy of the contract or document evidencing my agreement to any debt which I did request XX/XX/21, please reference the letter instead they mentioned in their letter dated XX/XX/21 that 'I may ' request a copy which I already did. They are playing games with consumers in an unprofessional manner. On top of this, I have sent certified letters to XXXX and XXXX with this complaint along with copies of letters sent to LVNV and Resurgent and they also have failed to act under FCRA law.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC Collection Opened : XX/XX/2019 Loan Amount : {$820.00} Loan Amount : {$1100.00} This collection account does no belong to me. I have reached out to LVNV Funding LLC/Resurgent twice already to dispute the collections. They have refused to remove this collection from my credit report. They said and I quote that my dispute was " frivolous and irrelevant and that it will not be investigated. '' I've sent validation letters asking them for them to provide a copy of my signature validating this debt. They were no able to provide me with any contracts with my signature on it, no paperwork at all.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was going through my credit report and noticed this collection on my account thats allegedly mine. Not only do they not have the correct address or email or job but they don't even have the correct name! Then I went further, so many of these dates are invalid or N/A which means they have no information at all linking me to this debt. The dates of last payment and dates of last activity are invalid as stated in the paperwork I have uploaded so being able to age this debt is absolutely impossible! The date closed is also invalid or non existent. Not to mention i request a contract or anything else bearing my signature linking me to this account.. there isn't any! I know my rights as a consumer and FCRA laws. This is defamation of my character and I will be suing for damages if these accounts are not immediately deleted from all credit reports immediately! Also I have included the payment history chart that shows absolutely XXXX information at all! This company has also filed bankruptcy and been purchased by another company for probably reasons like this! Thank you and please view all evidence uploaded plus I have more if needed, my attorney has all the paperwork and we will be moving forward with litigation if these are not removed immediately. Thank you very much!
Company Response:
State: OH
Zip: 45251
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was going through my credit report and noticed this collection on my account thats allegedly mine. Not only do they not have the correct address or email or job but they don't even have the correct name! Then I went further, so many of these dates are invalid or N/A which means they have no information at all linking me to this debt. The dates of last payment and dates of last activity are invalid as stated in the paperwork I have uploaded so being able to age this debt is absolutely impossible! The date closed is also invalid or non existent. Not to mention i request a contract or anything else bearing my signature linking me to this account.. there isn't any! I know my rights as a consumer and FCRA laws. This is defamation of my character and I will be suing for damages if these accounts are not immediately deleted from all credit reports immediately! Also I have included the payment history chart that shows absolutely zero information at all! This company has also filed bankruptcy and been purchased by another company for probably reasons like this! Thank you and please view all evidence uploaded plus I have more if needed, my attorney has all the paperwork and we will be moving forward with litigation if these are not removed immediately. Thank you very much!
Company Response:
State: OH
Zip: 45251
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I Have sent written communication to LVNV Funding LLC XX/XX/2021, and I still have not received a signed contract that states I'm am the owner of this account. These two accounts are being reported on my credit report damaging my ability to obtain new credit. It has been over 60 days and yet I'm am still waiting. I demand that LVNV Funding LLC send notice to remove these Two accounts from my consumer report whom your company reports to because they are unverified and erroneous. I'm sure that LVNV Funding LLC are in violation of a few FDCPA Laws. If this doesn't get resolved, I will seek litigation to fix this problem due to stress.
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received communication from Resurgent Capital Management in regards to an alleged debt from original creditor, XXXX XXXX XXXX in the amount of {$650.00}. Upon receiving the letter, I called Resurgent Customer Service and spoke with XXXX on XXXX at XXXX XXXX XXXX. I advised XXXX that I was formally initiating a debt validation request. XXXX advised me that she could start the process but I advised her that I wanted to do so via mail or email for tracking purposes. Reluctantly, XXXX provided an email address for the debt validation request. Per her instructions, I emailed XXXX on XXXX requesting debt validation. After a little over a week, I received a letter dated XXXX from Resurgent with an attachment entitled " Account Summary Report ''. This summary is attached and is a simple Word document. After reviewing the document and realizing it didn't meet the requirements of proper debt validation, I sent Resurgent a 2nd email on XXXX, attached, requesting debt validation again with details of what a proper debt validation is under the law. On XXXX, I received an email from Resurgent, attached, stating that due to the nature of my inquiry, my letter was forwarded to the appropriate department for processing and future communications regarding the inquiry will be sent via US mail to the address they have on file. This email came from XXXX XXXX. Since XXXX, I have not heard from Resurgent as promised. Three days later on XXXX, I received an alert from from XXXX, attached, that Resurgent added the alleged debt as a collection on my credit report.
Company Response:
State: PA
Zip: 19040
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have received a copy of my credit report and it shows company LVNV FUNDING LLC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$310.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Company Response:
State: NC
Zip: 28081
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX, XXXX XXXX " original creditor '' assigned a debt to LVNV Funding, LLC, who in turn retained the XXXX XXXX XXXX, XXXX, to pursue a claim against me for a debt that I have consistently maintained I did not open or authorize any person to open. The alleged debt is less than {$2000.00} ; however, the XXXX XXXX XXXX, XXXX refuses to accept my contention that I have been the victim of identity theft multiple times with different credit card accounts. I submitted a Debt Validation Letter to the assignee LVNV Funding, LLC and in response, LVNV Funding, LLC provided me with a bundle of account statements with much of the information redacted, thereby rendering their attempt at debt validation futile. Moreover, none of the documents provided bears my original signature. Neither creditor has provided, despite my request, a Credit Card Agreement or any document that bears my original signature, evidencing my request for credit. This fact notwithstanding, I was so overcome with high-pressure collection tactics and threats to damage my credit, I relented and made several payments to the alleged original creditor before I decided to take affirmative action to defend my good name. Please stop the high pressure collection tactics of this creditor and its lawyers. Thank you!
Company Response:
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A