Date Received: 2020-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My last few complaints were marked as duplicate. The company failed to answer, they then requested more time and now its been marked as a duplicate complaint. I have yet to get answers as to why Resurgent Capital/LVNV Continued to try and collect on a debt from XXXX and XXXX that was not my debt as I was the victim of identity theft. The XXXX card that they have continued to try and collect on up until this past XX/XX/XXXX was also the very same card that they got a default judgment on in XXXX. This has since been pulled out of the courts in my favor due to identity theft. The amount Resurgent is trying to collect on the very same card is a higher amount. How does one collect on a card that was never mine and then the courts removed it yet you ruined my credit over this card and a XXXX card. And why would you still be trying to collect on these cards when you know very well that these were part of my identity theft? Also the state of California has a statute that you should read up on. Had Resurgent /LVNV done the correct thing my credit would not be a mess today but they refused to report this as an identity theft and continued to try and collect on cards that were not mine and were 20 years old. I would like some answers. I also want to know why it took Resurgent up until this past XXXX XXXX XXXX ) for them to realize a credit card from XXXX and XXXX were fraudulent cards?? I believe that I had been telling them this. Or why were they trying to collect on a card that was kicked out of the court when a default judgment was granted and then removed?? and why is the amount different and much higher than what the courts had down. I mean come on that is quite a few years they have been trying to collect money from me ... on cards that are not mine.They also reported me incorrectly for many, many years which had a profound effect on my credit they ruined it.. I would like them to go back in and fix the mess they created with all three credit reporting bureaus.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, LVNV FUNDING LLC add a derogatory mark on my credit report per XXXX. 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: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I contact the collection agency Lvnv funding LLC yesterday XX/XX/2020 stating that I dont owe or have any knowledge of anything on the account that was open with XXXX XXXX XXXX ( amount {$760.00} ) I need this account to be deleted Im not the owner of this fraudulent account.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
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 have requested several times for my credit report to be corrected. LVNV Funding and XXXX XXXX XXXX has reported that my account was charged off. XXXX XXXX XXXX sold the account to LNVN Funding, they took me to court and ordered me to pay 100 % of the debt. I am in the process of purchasing a home, and it is adversely impacting my credit file. I have paid the bill in its entirely. I feel that this is adversely impacting and violating my rights as a consumer.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Collection agency LV Funding Inc on XX/XX/XXXX in the amount of {$870.00} and XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$1400.00} added a derogatory mark on my credit report per XXXX XXXX, Upon Further research the accounts were transfered/ soled and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, also there was NO written form of communication, contract nor signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mines. According to the FCRA ( Fair credit reporting act ) LV Funding has violated my rights as a consumer and I am requesting legal action to have these accounts be removed immediately.
Company Response:
State: CA
Zip: 91932
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I sent a dispute letter to LVNV Funding LLC and all 3 credit bureaus regarding a collection that was opened in XXXX. It is well over 30 days and everything but my XXXX still hasn't been updated or removed.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding states I got an acct on XXXX XXXX true. I have never seen this company before or did business with them and they Have place a collection of XXXX dollars on my credit file with XXXX. This is false information I never signed anything with this company. If they fraudulent bought my name from a black list which I am the victim of identity theft that is on file all my information was compromised. Especially with a pandemic I am out of work and did not activate any new credit. Its a pandemic going on and they falsified a collection on my credit report they have access my credit file and have my information that I did not give them. I want the collection removed off all 3 bureaus now and updated my credit file. I do not owe or know or owe this company anything. I have been out of work since XX/XX/2020 with underlying medical conditions so they are lying about I opened an acct I. XX/XX/2020. I want it removed ASAP.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I am called every morning before at XXXX XXXX. Just this week alone, I was called at XXXX XXXX on Sunday, XXXX XXXX on Monday and XXXX XXXX Tuesday. This has happened every day for weeks.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date : XX/XX/XXXX ATTENTION DISPITE DEPARTMENT LVNVFUNDG XXXX LVNVFUNDG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNVFUNDG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A