Date Received: 2021-04-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company has closed my account 2 years ago now I see that it has reappeared as open and they are reporting the incorrect amount and payment history
Company Response:
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: At the end of XXXX, XXXX, I was notified by XXXX XXXX XXXX XXXX Kansas XXXX ), a debt collector for XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ), regarding an account with LVNV Funding LLC, in my name, pertaining to a credit card debt for {$610.00}. The account was opened XX/XX/XXXX and charged off XX/XX/XXXX as per XXXX XXXX report. I notified XXXX that I had never opened an account with XXXX XXXX XXXX and that the address was not mine, besides the transactions were made in the XXXX area where I have never shopped. It was evident that my identity was stolen. I never heard back from XXXX, but LVNV who bought the debt, continued to place this information on my credit. I wrote to the 3 credit bureaus many times, over the years, disputing the debt and even sent a letter from XXXX XXXX XXXX, which indicated that I did not owe them any money. It is now 7 years later and LVNV, a company that seems to be in cahoots with the credit bureaus, has not removed the debt from my credit report despite the fact that they have never sent me the signature on the original contract used in opening the account. Under federal law, an unverified account must be deleted from the Bureaus. I have filed an identity theft report with the XXXX Sheriffs Office, which I will be forwarding to the Bureaus.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a debt with XXXX XXXX XXXX for two charged off credit card accounts. I settled directly with XXXX XXXX and paid them directly. On XX/XX/XXXX I entered into a payment arrangement and settlement agreement with XXXX XXXX directly to pay the amount over 3 payments. I initiated the first payment on the same day. XXXX XXXX submitted my file to LVNV Funding a collection agency, on XX/XX/XXXX according to my XXXX XXXX credit report. The debt was paid in full on XX/XX/XXXX and yet the initial {$930.00} balance is showing as still outstanding on all three credit reporting agencies. I've disputed the collection with all three bureaus and with the company itself on XX/XX/XXXX and again today. I was told that the previous disputes were input incorrectly and they'd look into it. They asked me to call back within a few days and they'd hopefully have it corrected. This incorrect reporting has damaged my credit for over a year and it seems willful from LVNV that they knew the debt was paid, and were still trying to collect on an already paid debt while using the pressure leverage of reporting false data to XXXX, XXXX and XXXX.
Company Response:
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: RESURGENT CAPITAL SERVICES OBTAINED AND BOUGHT A XXXX XXXX ACCOUNT WHICH WAS COVERED UNDER A BANKRUPTCY COURT ACTIONS SO FILED WITHIN THE XXXX KENTUCKY DIVISION OF THE UNITED STATES BANKRUPTCY COURT, REFERENCE ID # XXXX, ACCOUNT NUMBER ENDING IN XXXX ; ORGINAL CREDITOR WAS XXXX XXXX, THE CURRENT OWNER OF THIS OLD DEBT ACCOUNT WAS PINNACLE CREDIT SERVICES FOR A BALANCE OF {$1200.00}, THE ORGINAL ACCOUNT OWNER WAS XXXX XXXX XXXX. THIS ACCOUNT UNDER PENNACLE WAS DIS-CHARGED IN A BANKRUPTCY ACTION AND DUE TO KENTUCKY LAW OF LIMITATIONS THEY CAN NOT OBTAIN ANY FUNDS FROM ME TO PAY WHEN IN FACT THEY ARE NOT ENTITLED TO BRING A LEGAL GROUND FOR DOING SO, THEY ONLY INTEND TO RIUN MY CREDIT AND REPORT AGAIN AN OLD DEBT TO ALL THE CREDIT REPORTING AGENCYS SUCH AS, XXXX, XXXX, XXXX, THEY IGNORED A WARNING LETTER AND A CEASE DESIST LETTER AS WELL, THEY CONTINUE TO HARRASS ME AND MY FAMILY MEMBERS WITH CORHESIVE TATICS
Company Response:
State: KY
Zip: 40505
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: THIS 3RD. PARTY VENDOR NAMED RESURGENT CAPITAL SERVICES BOUGHT AND OBTAINED AN OLD BANKRUPTCY CASE FROM XXXX XXXX DATED FROM XX/XX/XXXX THIS ACCOUNT WAS CHARGED OFF ON XX/XX/XXXX AND THE CHARGE OFF DATE WAS XX/XX/XXXX, THE AMOUNT OF THE DEBT ASSIGNED WAS {$660.00} ACCOUNT NUMBER ENDING IN XXXX WITH AREFERENCE NUMBER OF XXXX, ALSO THEY BOUGHT ANOTHER ACCOUNT ACQUIRED ON, DATED XX/XX/XXXX CHARGE OFF AMOUNT WAS {$660.00} CHAGED OFF DATE WAS XX/XX/XXXX, ORGINAL CEDITOR DATE WAS XX/XX/XXXX ; THIS RESURGENT CAPITAL FAILED TO ABIDE THE CEASE AND DISIST LETTER SENT OUT XXXX, THEY CONTINUE TO HARRASS ME ABOUT ANY DEBTS THEY BROUGHT OR OBTAIN FOR THE SOLE PURPOSE OF OBTAINING A COLLECTION ON A DATE.
Company Response:
State: KY
Zip: 40505
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have communicated that lvnv sent me a lettee saying this debt is mine they included a payment I never made. In the letter to the bureaus the last payment I didn't nor make I do not know of anyone making it. Next this debt is passed statue of limitations. Also the bureaus have deleted this debt and it keeps coming back. Can someone validatw this debt by the contract. Can someone validate this debt by receipt of buying it from original owner with the account number and name The dispute with original ac, ount holder is card was stolen or a family member put transactions on the card please prove it was me by signature and picture from cameras Also the person who paid this debt last is the criminal Please look at the proof I didn't make the payment it's highlighted The debt is past statue of limitations and is identity fraud.
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On our around XX/XX/XXXX I obtained my credit reports and noticed collections that I believe to be incorrect of not mine. Upon these findings I requested proof of debt, I reminded them they were contacted on or around XX/XX/XXXX that I had been a victim of fraudulent use of my SS # and/or credit cards. I wrote LVNV and Resurgent Capital in regards to the {$2200.00} that they claim I owe them. On XX/XX/XXXX I sent my first letter requesting viable evidence bearing my signature to LVNV/Resurgent Capital to verify this was indeed my debt and I am legally obligated to pay LVNV and/or Resurgent Capital Services. Per the Fair and the Fair Credit Reporting Act they are required to provide " validation '' upon my request. The validation must include, but not limited to " competent evidence bearing my signature, showing that I have, or ever has, some contractual obligation to pay them. If they could not provide me this evidence they must delete from my credit report and immediately stop collections. After the fist letter I sent referenced above I received a letter back saying they have investigated the account and found it to accurate, yet failed to provide any requested and required documents. I responded, XX/XX/XXXX stating they failed to provide the required documents. The XXXX again responded by sending another letter saying the debt is valid, and included a statement of the account, no signature, again none of the required docs. I responded XX/XX/XXXX stating they still have not provided adequate evidence proving this was indeed my debt, or the entire debt was mine, I have no idea. I also responded XX/XX/XXXX to another letter send by Resurgent on behalf of LVNV that had demanded payment and said everything has been verified. This is untrue, nothing has been " legally '' verified, and I have given 4 months in good faith asking them to please get this right, and provide the signed contract, and to please explain the process of verification, along with whom verified the account incase I had questions. Not once did they comply with the FCRA & FDCPA ( included violations, but not limited to FCRA sec XXXX, FDCPA sec XXXX ) guidelines set to protect consumers.
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021 I contacted Resurgant Capital ( Lvnv Funding LLC ) regarding a collection account which is being reported against me ( account ending in XXXX ). I have made numerous attempts via mail to dispute this account and requested that this debt collector investigate my dispute since this account was not opened by me nor did I benefit from its creation. I spoke with an employee named XXXX who informed me she could not speak to me or provide me any information related to how to submit an identity theft report to Resurgant. She claimed that my file was locked and she was not permitted to disclose any information that would assist in resolving this fraudulent collection account. As of today this account is still being reported to all 3 credit reporting agencies even though I have informed this company this account is not mine furthermore they are refusing to assist in processing my request regarding identity theft. The tactics which are being employed to prevent the victim to resolve this inaccuracy are appalling.
Company Response:
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A