Date Received: 2020-12-17
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: reporting the account XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$650.00} ) incorrectly. I am not familiar with the original creditor XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX, I dont know who XX/XX/XXXX is, I do not have a contract with them. I request XX/XX/XXXX to send me the actual application or the signed contract that was filled out when the account was opened or its needs to be removed immediately because this is not reported accurately. XXXX XXXX XXXX has responded with a frivolous verification of bill, reflecting invalid name XXXX XXXX XXXX XXXX, incorrect address XXXX XXXX XXXX XXXX XXXX Co XXXX.I dont recall having such Balance amount as the one of {$650.00} or {$590.00} with XX/XX/XXXX XXXX XXXX XXXX that this agency is reporting. They have not validated this debt upon request. I dispute this entire account due to these inaccuracies, its invalid, negative, obsolete incorrect and unduly and I WANT THIS ACCOUNT TO BE REMOVED IMMEDIATELY. The account LVNV FUNDING LLC ( Date Opened : XX/XX/XXXX, Balance : {$660.00} ) is reported incorrectly as well. I do not know about the company presented in this account. I recall this original creditor 12 XX/XX/XXXX XXXX XX/XX/XXXX being closed NOT BEING ABLE TO VALIDATE THIS ACCONT BELONG TO ME. I also do not agree with the Balance of {$660.00}. LVNV FUNDING LLC is saying I'm responsible for, they has responded with a frivolous verification of bill, reflecting invalid name XXXX XXXX XXXX XXXX, incorrect address XXXX XXXX XXXX XXXX XXXX Co XXXX, I do not have a contract with this agency. They have not validated this debt Upon request, Due to that, I dispute this account and I request it be removed, this agency has not sent me the actual application or the signed contract that was filled out when the account was opened, its needs to be removed immediately because this is not reported accurately. I dispute this entire account due to these inaccuracies, its invalid, negative, obsolete incorrect and unduly and I WANT THIS ACCOUNT TO BE REMOVED IMMEDIATELY. You provided incorrect statements for the account LVNV FUNDING LLC ( Date Opened : XXXX. XXXX, XXXX, Balance : {$390.00} ). I dont recognize the original creditor 12 XX/XX/XXXXXXXX XXXXXX/XX/XXXX and I am not aware of the agency stated by you. I do not agree with the Balance of {$390.00}. I dont have a contract with this agency. LVNV FUNDING LLC has responded with a frivolous verification of bill, reflecting invalid name XXXX XXXX XXXX XXXX, incorrect address XXXX XXXX XXXX XXXX XXXX Co XXXX, They have not validated this debt upon request. Consequently, I dispute the account and I ask for it to be removed immediately, this agency has not sent me the actual application or the signed contract that was filled out when the account was opened. its needs to be removed immediately because this is not reported accurately. I dispute this entire account due to these inaccuracies, its invalid, negative, obsolete incorrect and unduly and I WANT THIS ACCOUNT TO BE REMOVED IMMEDIATELY. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 1. NO proof has been shown from XXXX XXXX XXXX and LVNV FUNDING LLC in writing, has not provided full payment history including fees being added to debt and or how they calculated their fees. Only frivolous bills statements in a name closely that resembles my legal name, and address that I havent resided at. Under the FDCPA, I have the right to request that they prove I am indeed the party who is contractually obligated to pay off this debt. 2. has not attach agreements with client that authorizes them to collect on this alleged debt. Has not provided agreement that bears signature of the alleged debtor where he promises to pay the original creditor, complete payment history on these accounts to prove that the amount you wish to collect is accurate. 3. these agencies listed above have violated the FDCPA. Should not report any negative entry to Credit reporting Agencies and have not validated this debt and proved it belongs to me. validation of debt request were sent out XX/XX/XXXX and these agencies did not validate with any proof, and are continuing to report on my credit.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding LLC Product : Credit Card Balance Owed : {$1200.00} Pay Your Balance Original Debt Amount : {$1200.00} This company keeps sending me emails and letters saying I owe them money I have never had and currently dont have any cards or business with XXXX send a letter as week trying to collect money I dont owe and are stating it was over 10+years ago
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have already settled my account with XX/XX/XXXX. I settled with the amount paid of {$530.00} which was 50 %. This was paid and settled on XX/XX/20. Confirmation number XXXX. I asked to please remove this from debt collections and credit report. The debt collector Resurgent capital services is now coming after me for the same debt and it has been months since contacting to get it removed. They say they are waiting for XX/XX/XXXXto respond. They have been provided with the confirmation number and payment information but still have not removed the debt.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Account is reporting TWICE on my credit report. Same amount, creditor, yet this is being reported by two entities from same company.
Company Response:
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i was contacted to pay the account by another company and i did now this company is calling me to pay it again
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Upon reviewing my credit report I noticed a debt from a company that I have no knowledge of. I didn't receive any documentation verifying this debt or anything of the sort. I am not aware of this account and would like it removed because I didn't receive a right to dispute or written notification.
Company Response:
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is NOT a duplicate of XXXX, rather I'm trying to send the same complaint to XXXX XXXX XXXX, can not find them, and am attempting to send it to Resurgent Capital Services, who I *believe* is the parent company of XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX, representing LVNV Funding, is attempting to collect alleged debt against me. I have an ongoing dispute with the XXXX XXXX XXXX XXXX XXXX XXXX, and their response to my debt validation request has revealed that my alleged debt was transferred from alleged original creditor [ XXXX XXXX XXXX XXXX ] to [ XXXX XXXX XXXX XXXX ]. On a Transfer and Assignment Document, I see that [ XXXX XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to [ XXXX XXXX XXXX ], and that [ XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to LVNV Funding. I don't recall receive any written notice whatsoever from XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX. I call apon XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to prove that they sent me anything whatsoever in the mail pertaining to the purchasing and/or transferring and/or reassigning of the alleged debt. I suspect that my rights under FDCPA were violated and that these entities failed to notify me of the transferring of debt. I also call into question the signatures on the attached document enclosed from the representatives of these " XXXX '' companies. Why is the dated typed but the signature is a wet-ink signature? What proof can XXXX XXXX XXXX AND XXXX XXXX offer that the document was signed on XX/XX/XXXX, the typed date? Why would the signers not write the date in ink since they are signing in ink, and what evidence do they have to offer that they all signed the document on XX/XX/XXXX. Please answer these questions and provide your documentation that I have been provided all required legal notification from the entities that purchased-then-transferred my alleged debt, and please also answer why this occurance should be interpreted as anything other than a very shady, questionable, poorly signed, and unclean bill of sale and a truly broken chain of title? Please also inform me how XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX can be contacted for questions pertaining to these documents, and/or subpoenaed for information and/or testimony? Please also provide me with the DocuSign certificate of completion for the Bill of Sale with the matching DocuSign Envelope ID XXXX Do NOT Modify the certificate of completion in any way.
Company Response:
State: WY
Zip: 82801
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've reached out to this credit directly via mail on XX/XX/XXXX and they told me they would look into the matter and it would be resolved within 30 days and it still has not been resolved and is hurting my credit score. According to the fair credit reporting act they have not supplied proof under the doctrine of estoppel by silence XXXX v. XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Company Response:
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been trying to get a collection removed from my credit reports because there was identity theft on this card. The original creditor, XXXX XXXX did not timely contact me that there were three large purchases made on my card at three different XXXXXXXX XXXX in three different cities in Florida, none within a large radius of my home. Then they suddenly closed the account and sent it to collections. XXXX XXXX was combative when I tried to obtain the statements the purchases were made. Now I am dealing with PYOD, LLC who owns this debt. In XX/XX/2020 they were supposed to send me a form to fill out pertaining to the identity theft. They never did so I contacted them two weeks ago and they said they would send a form but I still have not received it. I feel theyre stalling and keeping my credit score hostage, I cant fight this fraudulent activity if they dont work with me.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
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: On XX/XX/2017 LVNV FUNDING LLC. add 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 creditors 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, LVNV FUNDING has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A