Date Received: 2020-12-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/20 I sent certified mail XXXX XXXX XXXX XXXX XXXX XXXX ) to LVNV ( Resurgent Capital Service ) requesting proof validation of this debt bearing my signature. They were unable to provide proof of this debt ; however, they sent a copy of any account statement which is not bearing my signature. I have made several attempts via certified mail. Dates of requests as follow :XX/XX/202Certified Mail ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 Certified Mail ( XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX, XXXX XXXX XXXX is also unable to provide validation of this debt. I have a current credit account with XXXX XXXX XXXX. I have also disputed this account with and neither credit bureau provides proof of this debt XXXX on XX/XX/20, XX/XX/20, and XX/XX/20. Credit file # XXXX XXXX XX/XX/20 Credit file # XXXX, XX/XX/20 Credit file # XXXX, and XX/XX/20 Credit file # XXXX. XXXX XX/XX/20 Credit file # XXXX and XX/XX/20 XXXX. I also filed a complaint with CFPB, complaint # XXXX
Company Response:
State: NC
Zip: 28215
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 was result of identity theft
Consumer Complaint: On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are removed from my credit report. Sometime between XX/XX/XXXX and XXXX, 2020, I received XXXX collection letters dated XX/XX/2020 ( same date on both ), trying to collect on the same alleged account with LVNV FUNDING LLC, the name of the XXXX collections are RESURGENT, CAPITAL SERVICES and XXXX XXXX XXXX XXXX, XXXX, the account that they are trying to collect on is part an issue with Identity Theft. By the way, can XXXX parties collect on an account at the very same time? ... Well, I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Company Response:
State: NJ
Zip: 074XX
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: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: ***NEW COMPLAINT WITH UPDATE DOCUMENTATION*** LVNV Funding LLC ( LVNV ) has never contacted me by mail or by any other manner regarding their debt purchase fromXX/XX/XXXXnow XXXX XXXX XXXX XXXX I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize. Under guise of under litigation, they use that as a cover to avoid producing documents of requested documentation of the disputed account or provide the proof that they followed the law by properly doing the necessary work prior to filing a lawsuit against another across state line of pennies on the dollar purchased debt. Any business with a computer, some software and some personal information of another person can create invoices/statements of charges of what they think is owed to them. Thus, the account could be a fraudulent account, having fraudulent charges, etc. ; thus, the totality of those charges is being disputed. The debt buyer from XXXX, South Carolina, has NOT properly followed legal procedures prior to initiating a lawsuit against an individual across state lines nor have they validated the debt ; therefore, the complaint should be dismissed immediately. ***PLEASE SEE ALL ATTACHED PAGES 12 IN THIS NEW COMPLAINT***
Company Response:
State: TX
Zip: 78573
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: LVNV Funding LLC XX/XX/20 This is a collection reported to my credit bureau ( XXXX ) and would like them to be removed effective immediately.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, LVNV FUNDING LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: IL
Zip: 60188
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The acct opened in XX/XX/2019. I received the bill and it was way over the amount of services from the beginning at over XXXX. I disputed the amount was brought down to {$920.00} of which I paid in full. I was recovering from XXXX and need some detail work after treatments. I later pulled my detail charges and found that the original balance I should have paid was {$550.00} XXXX XXXX ) .The other charges were for a different XXXX that has already been paid in full as well in the day of service. XXXX XXXX XXXX has since closed my acct, sold it to Resurgent, and stating that I still owe {$260.00}. How can that be if I overpaid them in the first place. I have proof and I can not get an answer from either of them on how they plan to correct their error. I have been turned down for 2 credit cards and can not get my home refinance with this incorrect information on my credit report of which they refuse to remove. I have placed a dispute with XXXX and it will not be settled until XX/XX/XXXX but I do not have that kind of time because I have 90 day to get my home refinance or I have to sell it by court order. I have been trying for over a month to get this issued resolved and I can do without this stress and XXXX since I am still recovering from XXXX and XXXX. I am on a time crunch and it seems that they have no intentions of changing the false report they created. Not only did I over pay {$360.00} they sold the account to a debt collector that is charging me another {$260.00}. This is is devastating, very stressful during what should be a happy time, and time consuming to file all of these complaints and all they needed to do was the right thing.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed this two number two times with the credit bureau XXXX XXXX they took it off my credit report in a few months later they put it back on under two different names
Company Response:
State: TN
Zip: 38106
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
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: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a Email falsely stating that owed {$460.00} to LVNV Funding LLC that I have from a credit card with the XXXX XXXX XXXX on XX/XX/2003. First of all, they claim a address that I never lived there. Second of all a date that I never applied for that credit card. According to the Email sent, they have an account with XXXX XXXX # XXXX XXXX XXXX. Perfectly clear this is definitely NOT ME. Please I need this claim to be removed. Thank you an advance
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A