Date Received: 2020-12-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: There are two collection agencies trying to collect the same debt which is a violation of the fair credit reporting act also the opened date is incorrect
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Resurgent Capitol Services and LVNV Funding LLC. Reference ID XXXX. The above listed company purchased a debit from XXXX XXXX XXXX. The account was opened in my social security number and name, which is identity theft. The police was notified and a report was created. XXXX XXXX was notified and still continued to harass me for payment. The company then sold the account to the mentioned company above and now they have been informed of the situation and has not responded as the item continues to remain on my account. I would like the item to be removed as it is affecting my credit and purchasing power.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding/ XXXX , XXXX and XXXX Credit Reporting Agency The Fair Debt Collection Practices Act Letter This is a DEMAND for DELETION of inaccurate and according to the statue 602 you Must DELETE inaccurate Information according to The Federal Consumer Protection. This is a direct violation. I am also requesting my FULL file as I have the right to ask for. I XXXX XXXX am also requesting a FULL Consumer Discloser Report. You Have five days to respond. I need all credit reports to match Disputer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga. XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX , PAXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX CC : Consumer Financial Protection Bureau Consumerfinance.gov XXXX XXXX XXXX has been deleted from my credit report as of XX/XX/XXXX per XXXX so why is this on my report under another name with LVNV Funding. This is showing CLOSED, Charged OFF, USAGE 129 %, and REVOLVING at the same time!!!! Theres no original creditor, even though I have requested several times. No one has sent a original contract with my signature nor has LVNV Funding and I have requested several times. This account is updated account type- Credit Card- Revolving Terms, account Status CLOSED Payment Status CHARGED_OFF. This should be showing DELETED from my credit report per XXXX on XX/XX/XXXX. I have enclosed copy. I am in distress and have trauma from these companies and the lies and deceit I will seek damages. I am requesting the Original CONTRACT called the purchased agreement from XXXX XXXX XXXX. I need evidence. Whats the scheduled payment, what is the payment history theres no payment history but showing missed payments I have attached a 24-month payment history and several letters from XXXX XXXX XXXX. I am requesting that this item be deleted from my credit report and I am requesting that it stays off because this is the fourth time I am disputing this credit report and addressing the company. Validate this account, which is XXXX XXXX XXXX LVNV Funding. And the ownership of this account. I XXXX XXXX disputed this account several times with all three reporting agencies. with the account, according to LVNV Funding, XXXX XXXX XXXX, balance {$590.00} with partial account numbers # XXXX. What is the full account number? I am requesting an investigation and my signatures from this debt from the original document. This collection is showing resolved as of XX/XX/XXXX, per the XXXX credit report. I have never done any business with this agency. There are no account number or any valid information. Please delete from my credit file. This is to verify my name and address : Email Address-XXXX Name : XXXX XXXX XXXX XXXX Social Security Numbers and birthdates Current Address : XXXX XXXX XXXX XXXX XXXX XXXX , GaXXXX XXXX Last Address : XXXX XXXX XXXX XXXX XXXX , Ga. XXXX Please remove all other addresses the addresses I XXXX XXXX am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher contacted and phone numbers and their reply. According, to the ( FAIR CREDIT REPORTING ACT ) which promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies, XXXX, XXXX and XXXX. I, after the several REINVESTIGATIONS I have submitted, I am requesting that a revised credit file to be sent to all companies for new deletions for inaccurate and invalid information. AGAIN, I AM REQESTING YOUR INVESTIGATION PROCEDURE as well as my file disclosure because according to FCRA, I have a right to know. I again request that these inaccurate ( false, inaccurate Information be REMOVED from My account and CREDIT report. XXXX XXXX
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On or approximately XX/XX/2020, I sent the company a letter stating how they have failed to provide me a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have not provided any documentation bearing my signature and it has been over 30 days and I have yet to get a response bearing this information.
Company Response:
State: KY
Zip: 40229
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Request to delete/remove all LVNV Funding LLC accounts effectively and immediately with reference to both XXXX XXXX credit card debt. Current litigation in Supreme Court of the State of New York - XXXX county with my request to forever discharged, discontinue actions, and cancel XXXX XXXX.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2020-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Company Response:
State: MD
Zip: 20886
Submitted Via: Web
Date Sent: 2020-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: My previous complaint : XXXX SUBMITTED ON XX/XX/2020 PRODUCT Debt collection ISSUE Written notification about debt. I have received another letter regarding LVNV Funding as current creditor, but from a different company. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX, XXXX. The letter is dated XX/XX/2020. It is alleging I owe {$530.00}. As I stated in my previous response letters and in the previous complaint ; 1 ) I am disputing that I owe them any debt. 2 ) The dates provided of the alleged debt are past the statute of limitations. and 3 ) I want the letters to cease and 4 ) I want all collection activities as it relates to this alleged debt to cease. 5 ) Finally, I would appreciate a direct response to my request and complaint. Thank you, XXXX XXXX
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.
Company Response:
State: VA
Zip: 23227
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Company Response:
State: VA
Zip: 23227
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A