Date Received: 2021-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Resurgent/LVNV Funding didn't impersonate what you have on your website. They impersonated my doctor. They took over several debts I couldn't pay anymore because my mom died. And then Covid 19 made my finances worse. I told them, but they wouldn't listen. I started to block all their calls, but they still make them even after I told them to stop and by not answering. The worst part is pretending to be my doctor. And also pretending to be XXXX. I told them over the phone what they were doing over the phone to stop calling me and not to pretend to be my doctor because that's fraudulent. They bought several of my credit debts from original creditors and keep applying them to the credit bureaus. Here are the phone numbers they used when pretending to be my doctor. XXXX and XXXX. And this one from XXXX claiming I ordered something. XXXX
Company Response:
State: CA
Zip: 93612
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019, XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors 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 not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I called the LVNV on XX/XX/2021, trying to figure out where the debt was coming from. I spoke with a representative who told me it was for XXXX XXXX, and I owed them XXXX dollars. I explained that that is incorrect, seeing as I have the final bill and I owed XXXX at the account closing time. She told me that my final bill was XXXX dollars, and we bickered back and forth. She asked if I wanted something verifying the mail 's debt, and I said yes : I have yet to receive anything In the mail. I reported them to XXXX, and somehow they verified the obligation to them, but not me. On XXXX, they moved the account from Open to Closed without any explanation, and also on XXXX, I was informed that the debt has yet to be valid. However, I have not received anything showing that I owe a debt to LVNV.
Company Response:
State: IL
Zip: 61244
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
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 XXXX XXXX XXXX XXXX Creditor : 01 XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : 12 XXXX XXXXXXXX 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: 38141
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit report, I noticed LVNV Funding LLC c/o Resurgent Capital Services, a company that I had never heard of or had any written, oral, or implied contract, reporting that I owed an alleged debt of {$2400.00}. I contacted the company to validate this alleged debt via a letter. The company received the letter on XX/XX/2020 but never responded back to me.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
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 and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
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 and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A