Date Received: 2020-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft and as a result an account was placed in my name for a company called XXXX XXXX. I filed a police report years back when I found out about the account. However, a company by the name of LVNV Funding/ Resurgent appears on my credit in this regard. I have sent several letters/disputes to the company and they have gone unanswered and the fraudulent account still remain on my credit. The company also has several addresses. I have sent letters to the XXXX XXXX location and the XXXX TX location. I will be reaching out to the attorney general office and the FTC today. I want the account removed from my credit and their database. they never contacted me before placing the debt on my credit Account XXXX XXXX
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I sent LVNV FUNDING LLC,2 letters disputing the alleged debts of ( {$450000.00} ) on XXXX XXXX that i do not owe. i have requested the validity of the debts along with other information that i have not received, also attached copies of the letters below
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On Tuesday, XX/XX/2020 XXXX XXXX they sent my information ( Including the amount owed // {$980.00} ) to a random email address, which is my father email-address.
Company Response:
State: VA
Zip: 23233
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have PAID IN FULL on an OLD XXXX bill to TWO collection agencies. One is Resurgent Capital and the other is XXXX XXXX. If I am correct I paid a total of {$230.00} to Resurgent on XX/XX/XXXX account for the XXXX account number XXXX but then again I ALSO remember paying XXXX XXXX the SAME amount on XX/XX/XXXX account number XXXX. There are two accounts that I paid to XXXX XXXX ref number # XXXX and reference number XXXX ( or something like that ). I applied for a XXXX Credit card and got APPROVED for a XXXX credit limit in XXXX of XXXX. Imagine my surprise when I go to check my XXXX account and couldn't get online to view it so I called XXXX. The Rep told me that my the account is PERMANENTLY AFTER I got the credit card AND after I paid the old XXXX account off. I have ordered items from XXXX and have received some of them. The other items were requested to be sent BACK to XXXX BY XXXX because of they said that after reviewing my credit AFTER they gave me the XXXX Credit card that I STILL owed them money and that was the reason they PERMANANTLY closed the account. The credit card account is still open because I have not gotten in the mail and activated it yet but they REFUSED to REOPEN the regular account because of NON-PAYMENT which is not true ... IT'S BEEN PAID and PROBABLY TWICE at that. I tried to resolve this matter by contacting XXXX headquarters on XX/XX/XXXX and was told that even though i paid the account BEFORE they closed it that I can NOT use the XXXX credit card and my account will stay PERMANANTLY CLOSED. I have contacted my bank and filed a dispute to have the {$230.00} RETURNED to my account on XX/XX/XXXX. it is not my fault that Resurgent Capital did not communicate with XXXX about the payment so therefore they do not need my money.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
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 continuously tried to get 3 companies who have mistaken me for someone else and are reporting negatively. I have contacted XXXX, XXXX and XXXX multiple times to have these removed and they just send me back a " verified '' for them. I have personally requested signatures or ANY documentation to show these are mine but they will not as they CAN NOT verify it is me because it isn't. My name is XXXX XXXX XXXX XXXX and I do not have nor have I ever had these accounts but I can not get them to send me documentation to prove it is me. I have contacted each company and they will just say verbally that it is me because they just want payment from somebody. Please help me to get these removed from my credit report as I can not buy anything with this listed and they are not mine! I have had this all my life as I have even been threatened for bills prior to XX/XX/XXXX which is when I was born. The creditors that show on all 3 reports are : LVNV Funding for {$3200.00} XXXX XXXX XXXX for {$2600.00} XXXX XXXX for {$1900.00} If they will send me documentation to show MY SIGNATURE, I will pay these off but they won't because they know they have made a mistake and now just want their money. Please Help as the reporting agencies just get a " verified '' back which doesn't help me. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX
Company Response:
State: WA
Zip: 991XX
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft XXXX XXXX XXXX two acount, XXXX XXXX XXXX /Lvnv funding LLC two acounts XXXX, XXXX XXXX XXXX XXXX . File police report with the city of XXXX Police department. Hire an attorney submitted some letters regarding the California Rosental act and Federal fair debt collection Practice Act. Also contacted the district attorney XXXX XXXX and Office of the Attorney General XXXX XXXX. I wrote to the XXXX Corporation I never got anything from them stating account was closed so they hired another The Collector by the name of XXXX XXXX XXXX. Send me those letters from my attorney and never got any kind of response back to them from them. The other company XXXX they closed account after I submitted all the documents but failed to report it to the credit bureaus. In their records indicates everything still open, even though I got a letter from then to state in the council is already closed. Last but not least XXXX XXXX XXXX / Lvnv funding LLC I submitted all the paperwork too. Police report affidavit. I'm still the accounts are not closed how to swim in a few letters they close one of the cancel the one that left it open and they hired a law firm by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. And they're suing me I feel the fact that I contact their office and give him all the information as well.
Company Response:
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have repeatedly asked LVNV Funding for proof that they own this debt. The original creditor is not reporting on my credit report. They have not been able to provide an assignment or any documentation that they are the owners of this loan. Please see attached email chain.
Company Response:
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX, XXXX. added debt to my credit report in the amount {$1100.00}. This is not my debt. I have current open account with same company in GOOD standing at {$0.00} balance. I do not know where this other account came from. I have disputed and spoke to customer agents also have sent out a letter regarding matter.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2020 I contacted LVNV funding to dispute an entry on my credit report they have listed. I disputed the entry with all 3 credit bureaus as being reported inaccurately previously. XXXX and XXXX both deleted the entries as unable to verify. XXXX repled back that the entry was verified and continued to report the inaccurate information. After contacting LVNV Funding in an attempt to rectify the situation I received a letter from Resurgent Capital Services dated 14 days after the initial letter was received by them, stating that they manage the listed account. I was provided a generic bill that listed an amount and date due. The amount is not accurate. I replied back to Resurgent and cc LVNV stating that the account is not reporting accurately and to provide me with a full listing of the history of the account that verifies the amount they claim. I never received another response from LVNV nor from Resurgent Capital Services. I still have this same account being reported to XXXX with an inaccurate balance and incorrect dates. I have records of all correspondence.I would like this inaccurate entry removed from my XXXX credit report.
Company Response:
State: TN
Zip: 37921
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A