Date Received: 2021-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I theTHE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER recently reviewed my credit file and noticed an inaccurate and unverfied account being placed on my account negatively and reporting to the three credit bureaus. This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. Living funding is a third-party debt collector ... I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. Take note : This account has been disputed and deleted. This is evidence that the account is inaccurate and indeed not belonging to myself.
Company Response:
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019, LVNV funding LLC add a derogatory mark on my credit report per XXXX XXXX. Upon, further review, this account was transferred/sold and I am no longer responsible for this account. Also, there was NO form of communication, contract, or signature for the accused debt at all. A Bill without a signature does not validate the debt and anyone can send a bill in my name and say its mines. LVNV has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX I would have replied to your absurd response in XXXX but I was back in the hospital. I am shocked by your reply. You have some nerve saying you have questions as to the veracity of my complaint. So to enlighten you and to get the answers to my questions which seem to be avoided at all costs by you. I will attach the paperwork that I received by Resurgent asking me for money on debt that was never mine and dismissed by the courts. Yet, Resurgent was trying to collect money on this very same card in XXXX of XXXX. And Resurgent was trying to collect more than what the courts were trying to collect pre finding out that this was identity theft. How is that possible??? How can you be asking or trying to collect on something that was removed and dismissed from the courts? The credit cards that you were trying to collect on in XXXX were cards opened up during an identity theft back in XXXX and XXXX. I know we had a discussion about this and you stated that you never tried to collect on anything that was 20 years old. You are correct it was OVER 20 years. This is absurd that you would continue this absurdity knowing that these cards were opened fraudulently they were not used by me and you even were sent the FTC and the police report 10 years or more ago. So my question is why you chose to report me continuously to all three credit bureaus as being a deadbeat?? Why did you not step up and say this card/cards were opened under identity theft and XXXX disputes the charges?? Why would you continue to ruin my credit for years unnecessarily?? And don't you think I am owed?? It is due to your inability to convey the facts to all three agencies the correct way that nowI feel you you need to go back and make things right. I have noticed that in our emails and here that you dont answer the questions. You refer me back to a previous reply that do not answer the questions either. I need answers I want to know how you are going to fix this? XXXX XXXX was sent a letter in XXXX of XXXX I know you say you didn't have the accounts back thenXXXX seemed to know about them because she and I had a long chat and I followed up with a letter sending to her the police report the FTC reports on the items I knew about. And she got my info because we spoke again and then she fell off the face of the earth never to be heard from again. I called and was told she was no longer with the company. And I asked who was handling my file. I was told someone would call me back and that never happened. But those collections notices kept coming from you on all three XXXX. I have enclosed the last ones due to you thinking that I am making things up. As i have shared I have a huge file on this mess. And I can guarantee after speaking with some who work at Resurgent LVNV or whatever name XXXX is attached to that your files are missing pieces lost?? So as you can see the damage has been done and its cumulative. How do you plan on fixing the damages you have caused? How do you plan on making this terrible situation right? I have enclosed the collections letters from you in XXXX and also what the court had owing before it was removed How can two places be collecting on the same account and why are you asking for more money?? These are the questions you have never answered and speaking with all three bureaus you reported me wrong.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: i was a victim of identity theft by a person who used to reside in my home and had access to my information it has been reported and flagged i tried to notify the company i saw on my collection for a credit card i did not use /have and they disregard me saying i meet the requirements of the charge and it will remain on my credit till i pay this off. i have done all the steps during this time and they are not willing to look into this matter to delete these fraudlent charges from my credit
Company Response:
State: CA
Zip: 90660
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Sherman and Associates or the Sherman Financial Group keeps calling me, my family, and my place of work. They are stating that they are a law firm that is about to subpeona me to court. They also cussed me out for asking them what company they are with and for asking about the debt they claim I owe. They are calling my job everyday stating they are about to come arrest me or serve me with a subpeona.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This account is unknown to me, send me proof of how you verified this account, the collector did not verify that this account was mine, please send me a method of verification bearing me signature. Please send the original paperwork bearing my signature, I believe this to be false information reporting,
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This account is unknown to me, send me proof of how you verified this account, the collector did not verify that this account was mine, please send me a method of verification bearing me signature. Please send the original paperwork bearing my signature, I believe this to be false information reporting,
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX File Number Advised the company via transunion 3 times that this is not my account. Never did business with this entity. LVNV FUNDING LLC XXXX, SC XXXX
Company Response:
State: CA
Zip: 92308
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This collection company disclosed the lawsuit to ALL my neighbors and exposed by daughter to COVID during a house quarantine ( pic available that is dated and time stamped ). The lawsuit was left in a clear, gallon baggie hanging on my front door knob. You can see all the information contained on the notice ( case number/defendant and agency/attorney taking me to court ). I live in apartments and my youngest daughter was the one who found the notice while delivering groceries due to our quarantine. The FDCPA states : If a person is identified by name only, then they must be treated as a " third party. Indication that the public notice is regarding a debt to a third party would be considered disclosure and is not allowed. If the third party '' independently indicates that they have a debt, dispute the debt, talks about debt or client, etc we must still treat the communication as a " third party '' communication until one additional piece of non-public information ( NPI ) is verified LVNC Funding, LLC has disclosed my information. The next complaints will go towards the original client ( bank ) and original creditor ( card issuer ) who sold this debt to such an abusive company and has exposed my family to harm in the means in which they took to sue me during this pandemic. The news outlets may be next. While going through this law suit, two of my XXXX kids have had XXXX ( can be proved ). I also have a pic of the 2nd instance of disclosure. I have yet to ever be served in any other fashion, by this collection company, during the law suit. This should match the serving partys records but I do have a picture available of the notice. XXXX XXXX Site Training Manager | EOS USA XXXX Toll free : XXXX x XXXX Direct : ( XXXX ) XXXX XXXX XXXX XXXXXXXX EOS CCA XXXX XXXX XXXX XXXX XXXX TX XXXX EOS XXXX For a debt-free world. This e-mail may contain confidential and/or privileged information. If you are not the intended recipient or have received this e-mail in error, please notify the sender immediately and destroy this e-mail. Any unauthorized copying, disclosure or distribution of the material in this e-mail is strictly forbidden.
Company Response:
State: TX
Zip: 75119
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX XXXX re-opened an account under my name. This time it was opened with Creditor : LVNV FUNDING LLC. This was supposed to be expunged after 7 years and it has been that amount of time. But it was re-opened. That is not fair, i am never going to get this off my record. Please look into this, i don't want this on my record another 7 years.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A