Date Received: 2020-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The report shows I currently owe money to your company Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus.
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: They keep stating I owe them and I don't owe them anything. The address they have for that account is not even mine. they keep telling me to pay or ill be taken to court.
Company Response:
State: TX
Zip: 78501
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
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: Tried to dispute showing balances settled would not let me told to file a complaint with consumer protection
Company Response:
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Lvnv funding has placed a garnishment against me never contacted me or anything I dont even know what the debt is for. I did try to contact them but never got a response.
Company Response:
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV FUNDING LLC Opened XX/XX/2019 Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} Requested affidavit in XXXX but did not receive. Received an affidavit in XX/XX/2019, submitted notarized. Followed up to notify that affidavit was mailed. Called to follow up, told it was handled by a different company and they would not know the outcome but it would be within 30 days. Called a few days ago, confirmed that the information provided previously was not accurate, they never did receive affidavit and threaten to report me to credit agencies.
Company Response:
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/20 I sent correspondence to Resurgent Capital Services stating that I was a victim of identity theft ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ). The letter was sent Certified Mail Return Receipt, and was in Resurgent Capital Services possession as of XX/XX/20 ( XXXX Receipt_Resurgent Capital Services_item mailed XXXX ). The letter explained to Resurgent Capital Services, that I am a victim of identity theft. In addition, the letter informed Resurgent Capital Services responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Resurgent Capital Services was asked to provide me with the records I requested ( XXXX Theft Letter to a Debt Collector_Resurgent Capital Services ). XXXX, Resurgent Capital Services was in receipt of this request on XXXX/XXXX/20. The 30-day deadline for me receiving the required documents has passed as of XXXX/XXXX/20. Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( XXXX ). Each guidance document states that businesses must provide records directly to victims upon request. It appears that Resurgent Capital Services failure to provide the requested documentation does not comply with the requirements of the FCRA. Therefore, please provide me with copies of the application for the account and the transaction records concerning this fraudulent debt. Relevant documents should include, but are not limited to, the following types of records : Application records or screen prints of Internet/phone applications Billing statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Signatures on applications and accounts Any other documents or records associated with the account Again, since I have not received these records, I believe your company is in willful violation of FCRA Section 609 ( e ) 15 U.S.C. 1681g ( e ). If you believe you are not required to provide any part of the documentation requested in this letter, please provide me with a written explanation of your position within 14 days of the date of this complaint.
Company Response:
State: KS
Zip: 66605
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I corrected the account with the original debtor once I found out about the account. By that time it was sold to a collection agency but it states they will take care of it. I am a victim of identity theft fraud.
Company Response:
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Direct contact was made with Cach LLC in XX/XX/2020 via certified mail in an attempt to validate the debt that is on my credit report. The original creditor, XXXX XXXX, does not report on my credit report and this company has no right to try and collect on this debt.
Company Response:
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have made contact with the company XX/XX/2020 to see what this information is in regards. I have been informed by the rep this is a credit card. I have informed the rep that I never owned XXXX credit card and the rep stated that I was a liar. I have requested the documentation with a copy of the application, copy of my license, and a validation letter but never received the information. The rep informed me that I will be sued if I dont pay the balance in full. The rep mentioned to contact my place of employment which I have asked her the name of my place of employment and she wouldnt tell me. The rep also mentioned that I was an abusive retail liar and hung up the phone after I have asked for her to repeat her name. How do I go by getting the help to report this information and should I seek legal action against the company. LVNV Funding have terrorized my life with the verbal abuse.
Company Response:
State: TX
Zip: 77530
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A