Date Received: 2020-08-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Resurgent Capital Services aka LNVN Funding has placed a collection account on all 3 of my credit reports for {$310.00} on XX/XX/2017 to which I have no knowledge. I have sent them a validation letter via certified USPS mail and have proof they have received it. ( copy attached ) Under the fair debt collection act as long as this item is not verified or in dispute it needs to be removed. If Resurgent/LVNV Funding can not provide the documentation asked to be provided by me this item needs to be permanently removed from my credit files immediately. Resurgent Capital Services is formerly known as LVNV Funding had over 445 complaints on their collection tactics and ethics with the XXXX XXXX XXXX This business currently has nearly 5273 complaints filed with the Consumer Financial Protection Bureau as well.
Company Response:
State: OH
Zip: 43613
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have viewed my credit report and see that A company by the name of LVNV FUNDING is reporting on my reports A debt owed to A company by the name of XXXX XXXX. I have never ha any sort of account with XXXX XXXX nor LVNV funding. I have reached out to both companies sending written letters advising them of this error reporting on my report. I also asked for proof that I owed this debt as I am 100 % sure I have never done business with either company. To dat I have not recieved A response from either company yet this incorrect information is still reporting.
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Provide all billing statements dating back to the opening the account. Account for all fraudulent charges and fees place on my account. Account for every payment that has been made on this account. Provide any receipts or documentations for every charge made to this account. Any charges made to that account outside of XXXX XXXX need to be further investigated. Provide any documentation that justifies the current balance.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX years old I have lived in XXXX XXXX XXXX Florida since 1974 when my husband and i was XXXX here at XXXX XXXX. i have never lived in Georgia. And that is where this bill originated from. I have always paid my bills on time and paid them off and this is in my 3 credit Bureaus, there are only 2 discrepancies on my report coming from Georgia. This is Fraud, I filed a police report 6-7 years ago with the XXXX County police department, I do not have that now, the man was arrested and charged. I applied for help with my citizenship he took my money and information along with others. I sent this company a notarized Affidavit stating this and they still want to harass me for something that is not mine. I asked for proof, such as a signed contract, ID showing that I did this, nothing but statements.
Company Response:
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
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 a loan with XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Company Response:
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2020 I contacted LVNV Funding, LLC in care of Resurgent Capital Services at the address listed on my XXXX XXXX credit report ( Appendix A ). I received confirmation that my letter was received on XX/XX/2020 at XXXX ( Appendix B ). I wrote to them to validate the debt since True Accord had been emailing me to settle the debt with them ; they never mentioned Resurgent Capital Services in their correspondence, only LLNV Funding and the original creditor ( Appendices C-J ). When I did not receive a response from LVNV Funding or Resurgent Capital Services within 30 days of them receiving my letter, I contacted XXXX on XX/XX/2020 explaining that I was not sure who payments should be made to ( Appendix K ). In the meantime, LVNV Funding/Resurgent Capital began reporting the account to XXXX in addition to XXXX. My letter to XXXX was received around XX/XX/XXXX ( Appendix L ) and without responding to my request, XXXX replied that the account was being reported accurately around XX/XX/XXXX. A few days after I mailed the letter to XXXX, I received a letter from XXXX XXXX XXXX concerning the same debt ( Appendix M ). I wrote to XXXX XXXX XXXX on XX/XX/2020 explaining to the them the steps that I had taken to find out who should actually be paid to resolve this debt ( Appendix N ). XXXX XXXX XXXX received my letter on XX/XX/2020 at XXXX ( Appendix O ). To date they have not responded to me. On XX/XX/2020, I made the decision to pay Resurgent Capital since they were the company listed on my credit report. I went to their website and was given the option to pay 80 % to settle the account ( see Appendix P ). On the Resurgent website the payment showed as pending ( Appendix Q ). Note that to the right of the account information, they state that when a payment is made that resolves the account is processed, they will submit a request to the credit bureau to have the tradeline deleted from the credit report. The payment showed up on my bank account the very next day ( Appendix R ), yet the Resurgent website showed that no payment was made or scheduled ( Appendix S ). I immediately called the office and spoke with XXXX who verified that they had the payment and stated that I should receive a letter within five days stating that the account was settled. On XX/XX/2020 I called Resurgent again because I had not received the letter and the account was not showing as settled on their website. The individual that I spoke to this time told me that I should have received a receipt for the payment in five to seven business days and that I would receive the letter stating that the account was settled within 20 days. This person went on to say that it would take about 30 days for the account to be removed from my credit report. I was also told that there was a delay in processing my account because they had put my account into a dispute status when they received my letter ( that they never responded to ). On XX/XX/2020, I received a credit alert advising me that the balance on the account had decreased with XXXX and that I have a balance due of {$170.00}, the exact amount of the discount that they offered. There is nothing on the credit report indicating that the account has been settled or is being deleted. In fact, my credit score dropped 33 points and this account was the only change on the report. The payment has not been posted to XXXX at all.
Company Response:
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently obtained a copy of my credit report and noticed some inaccurate accounts.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have contacted this company for years to report that this is fraudulent, attempted disputing, sent letters, emails and they are now sueing me!
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A