Date Received: 2021-05-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company has post 5 collection accounts to my credit report and I have not received any written notice or correspondence, which violents my right and timeframe allowed to dispute validity of the debt in question.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have asked LVNV FUNDING LLC. multiple times to provide me with validation of debt for this alleged account. They have failed to respond to me or provide me with anything that I requested.
Company Response:
State: CA
Zip: 90301
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 1. Company state they have now listed account as " disputed '' on credit reports. 2. Company state and per their communications they sent notifications in XX/XX/XXXX and XX/XX/XXXX to address XXXX XXXX XXXX XXXX XXXX Alabama XXXX. My address in XXXX XXXX XXXX XXXX XXXX GA XXXX. 3. Company was notified via certified mail twice XX/XX/XXXX & XX/XX/XXXX after reporting to XXXX and XXXX of wrong address and the communications were not received per FDCPA. 4. Company agreed to remove information via XXXX dispute.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed this on my credit report. Tried to settle it with the company since I have no knowledge of this credit card and did not have an account with this bank.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, futher research, this account was transferred/sold and I an no longer responsible for this account. Debtor 's creditor did not verify this collection. Also there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does noot validate the debt and anybody can send a bill. and say its mines. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed a collection account on my credit report from LVNV Funding LLC, about a {$1100.00} debt I never new existed ( because I never borrowed that money ). The debt was XX/XX/XXXX from XXXX XXXX Bank. It was reported to the collection bureau on XX/XX/XXXX, which negatively impacted my XXXX credit score. However, to this day, this collection is not showing up on my XXXX or XXXX credit reports, or anywhere else that I can tell. I suspected fraud from day 1. So, I contacted both LVNV Funding ( the collection agency ) et XXXX XXXX Bank ( the Supposed lander ). Neither has my information on record. They could not tell me anything about this loan that I supposedly took, or the collection. That's when I contacted XXXX, who let me know that they were going to start an investigation, but also advised me to file a report with FTC. This is how I got here.
Company Response:
State: IA
Zip: 50014
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Resurgent Capital Services is claiming I owe them for two debts they are currently reporting on my credit report. XXXX XXXX XXXX Ref ID XXXX & XXXX XXXX XXXX ref I'd XXXX. The FDCPA entitled me the right to request these debts be validated, I sent two letters certified mailed and the information received did not validate the date in fact it looks unauthenticated. As if it was typed in house & not information provided by an allged credit card agency. This was the letter I sent requesting information they should have in house I also enclosed what they sent me which I can easily duplicate on a type writer. T0 : Resurgent Capital Services This is my 2nd attempt in trying to get the issues in my credit report resolved. I wrote you a letter in regards to two accounts you have listed in my credit report. 1. LVNV Funding LLC # XXXX XXXX XXXX {$920.00} 2. LVNV Funding LLC # XXXX XXXX XXXX XXXX As a reply to my concerns I am just receiving template letters stating these accounts are verified. By law the information I am requesting I am entitled to if you can not provide this information these accounts need to be removed. The information I am requesting on the accounts are listed below. 1. Original Contract with my signature 2. Pay off disclosure 3. Interest rate 4. Balance History 5. Payment History 6. Credit Insurance
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Company is unknown account showing closed on my credit report I have no knowledge of even opening an account with this company I am not reliable for this debt have no agreement nor contract with this company please remove from my credit report immediately
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.
Company Response:
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was caught up in the XXXX identity theft and cleared up most of my problems. I contacted XXXX XXXX XXXX to send me all the info they had on an account they said belonged to me. After numerous attempts on my part the XXXX XXXX XXXX people cut off all communications in XXXX, in XXXX they sold the debt to LVNV funding, a collection agency. This has caused me problems with my credit report and I've been receiving harrassing phone calls. LVNV funding has bought a fraudulant account from XXXX XXXX XXXX and expect me to pay, it is not my account and never has been. the info I have on LVNV funding is as follows per my credit report acct # XXXX address is c/o Resurgent Capital Service XXXX XXXX XXXX, XXXX, SC XXXX ph # XXXX
Company Response:
State: ID
Zip: 83605
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A