Date Received: 2020-08-04
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: The company ( LVNV/Resurgent ) accepted a financial settlement with XXXX XXXX XXXX on XX/XX/2020, but continue to report a negative credit balance to the credit agencies even though they have been receiving {$61.00} since XX/XX/2020. This is elderly abuse in my opinion.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
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 would like to file a complaint regarding two accounts XXXX is reporting. I have sent disputes to XXXX multiple times reporting the errors in their reporting but somehow XXXX continues to respond the accounts are verified as accurate. This is very confusing because the two accounts are reporting the same collection, yet they are reporting completely different information? Account XXXX is reported by XXXX with the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX and the amount owed as {$3500.00} and LVNV is reporting the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX with the amount owed as {$2400.00}. This is the exact same account as reported by the account number. That can not be possible, this is one account with one original Date Of Delinquency and one balance amount. I have also reported to XXXX that I did not believe this account was mine due to another family member having the exact same first, middle and last name. Yet again, XXXX does not even acknowledge my disputes. I have requested validation from XXXX and LVNV and NEITHER have provided ANY information showing this account belongs to me or proof that what is being reported is correct. XXXX and XXXX have both deleted these accounts from my report because they were unable to substantiate the account. What information does XXXX have to report these accounts? And if XXXX has correct information, then why are these accounts reporting with completely different Dates Of First Delinquency and different amounts reported? Arent all three of these issues violations? Why is XXXX continuing to report these accounts if they have not and can not be verified? And why has XXXX completely ignored my requests for an investigation, yet continued to report the accounts? Can you please direct me to the proper channels so that I may hold XXXX accountable for the blatant negligence, failure to investigate and continued reporting of these accounts with obvious errors even after I have repeatedly provided XXXX the information to make an educated decision. I am also including LVNV in the complaint due to re-aging of the account. These accounts are definitive, they are supposed to have only one open date, one close date, one date of first delinquency and one date of last payment and those dates are required to report the same. LVNV has re-aged this account to make it appear newer in attempt to further damage my credit ; in which both XXXX and LVNVs false reporting have hurt my credit substantially.
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection just show up on my credit report XX/XX/2020. I have no knowledge on this account all my accounts are paid as agreed monthly, I would like this collection to be removed never get any letter with explanation or where the debt is coming from. Amount due according to collection agency is {$1400.00}.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After reviewing my credit profile, I noticed I had several fraudulent accounts reporting my credit profile. XXXX ******* LVNV FUNDING LLC Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Balance on XX/XX/XXXX {$460.00}
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Company Response:
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Collections is not from original creditor. I do not owe LVNC FUNDINING-XXXX {$670.00}. I never heard of LVNV FUNDING. I never did a contract with them.
Company Response:
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2020 I noticed a collection account in the name of Resurgent Capital Services LP. I went to their website to find out the total amount and any offers to pay down the amount to settle the debt. The website indicated the amount owed was {$2500.00}. Their website indicating offer for {$1200.00} this debt will be settled. So, on XX/XX/2020 at XXXX XXXX I made a payment to resurgent capital services L. P. For the amount of {$1200.00} in hopes that the debt would be settled. On Monday XX/XX/XXXX at approximately XXXX XXXX I went to their website an indicated that the full amount was still owed and at that offer that was originally promised to me was no longer there. I had made several attempts to contact the company and there was no answer via phone.
Company Response:
State: NY
Zip: 10541
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX I got a letter from XXXX XXXX stating the account ending XXXX I wasn't responsible for any pervious and further balanced on this account due fraud. But now I have a collection on my credit report from LVNV Funding LLC/ Hasted XXXX XXXX still showing I owe for this collection.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A