Date Received: 2020-07-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2020 LVNV Funding reported an account for collections to the credit reporting bureaus and damaged my credit, by not utilizing lawful practices. ( LVNV Funding XXXX. XXXX XXXX XXXX, SC. XXXX ). Original creditor is listed as XXXX XXXX XXXX. Balance due listed as {$700.00}. In Fair Credit Reporting, I received no communication from this company prior to this being reported on my credit. There was Never a Debt Validation Letter sent to me at my current address, prior to this account being reported on my credit report. Rather, this company knowingly reported this as a collection account first to the credit bureaus, damaging my credit, and then followed their reporting up on XX/XX/2020 with a payment request letter from LVNV Funding, at my current address, requesting payment in the amount of {$700.00}, original creditor listed as XXXX XXXX XXXX. Fair credit reporting was disregarded as this company knowingly reported this as a collection account on my credit report first, without providing me with a Debt Validation Letter and the 30 days to respond, as required by law.
Company Response:
State: NC
Zip: 28056
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I pulled a copy of my credit report and notice the 3 major credit reporting agencies were reporting Lvnv funding collections account. I ask them to do an investigation because I thought it was an error on their part. The credit reporting agencies responded stating that the lvnv funding verified that the account is reporting accurately. I wrote a letter directly to them asking them for the following information Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Full chain of assignments from charge off to present ( 7 ). If Purchase the debt from the original cre ditor then proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract They responded with a computer generated statement a 15 year old can create as proof that the account belong to me.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Did chapter XXXX almost 1 year ago and some accounts still showing on my report I need the account removed.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I need to bring you all up to speed with the unprofessional and XXXX developments at LVNV, LVN Funding, Resurgent, and Sherman XXXX, under the expert discriminatory tutelage of XXXX XXXX, XXXX XXXX, and XXXX XXXX. These companies have strong-armed members in my church and the XXXX Americans community. The latest developments have stricken me with their despicable, vile, and gangster collection practice. They have put a fraudulent debt on my credit file. I wonder why? XXXX lives don't matter to these companies, and they love putting their knees on my neck and my community. I have a harmful and fraudulent item on my credit report. LVNV Funding, LLC, has vigorously pursued this fraudulent collection account. LVNV subcontracts this unprincipled and dishonorable collection exertion. It is done with companies like Resurgent Capital Services. Debt collectors must send me a debt validation letter when they initiate contact. I have requested this several times. These are the individuals who should face elongated prison sentences for their egotistical, felonious, and civil comportment repetitions. They have discriminated against many. CFPB based on XXXX and unfair dilapidation practices against minorities. After careful analysis of data and careful reviews against these companies, many incidence gaps do not transpire with XXXX consumers. I wonder why? Only on the necks of XXXX and XXXX consumers. To list the point by point illustrations against my community and me by this criminal enterprise : 1 : They work in tandem to secure funds for their business by collecting debt from XXXX and XXXX consumers. 2 : These companies violate the Fair Debt Collection Practices Act. 3 : LVNV/Resurgent/Sherman makes fabricated statements and representations to pursue fraudulent and illegal debt collections. 4 : In XX/XX/2018, the Consumer Financial Protection Bureau ( CFPB ) has received over 3,600 complaints related to the debt collection practices of Resurgent Capital Services. The typical charges against Resurgent include trying to collect a debt not owed and improper communication tactics. 5 : A XXXX XXXX was used against me from them on a private telephone number, so I could not trace it without the court 's assistance. 6 : Threaten to sue innocent victims. 7 : LVNV/Resurgent calls me at least ten times a day in repetitive sequence back to back. I have informed these lawbreakers to cease calling me due to the manner of provocation, knowing I do not owe this fraudulent debt, and I will handle these illegal actions through all appropriate procedures. 8 : Resurgent/LVNV/Sherman is unable to prove that I owe the debt. / Resurgent/LVNV/Sherman is not authorized by the original creditor to collect the debt. / Resurgent/LVNV/Sherman is using inappropriate language and trying to intimidate me. / Resurgent/LVNV/Sherman is accusing me of criminal behavior and threats of arrest. / Resurgent/LVNV/Sherman has put this negative item on my credit report and stated I am at risk of lawsuits and XXXX. / Resurgent/LVNV/Sherman is calling me at work, harassing my family, friends on social sites, and my coworkers. / Resurgent/LVNV/Sherman calling me before XXXX XXXX. or after XXXX XXXX. 9 : Resurgent/LVNV/Sherman knows it is a fraudulent debt. Their criminal conducts give me no other choice. I am requesting an earl, timely, investigation, and intervention into a deplorable condition that is too long ignored by these companies. I will be ecstatic to give you all the pertinent information you need. My request to expedite this criminal injustice after I received this disastrous, distrustful, and discourage credit alert. I am a Veteran and a XXXX XXXX XXXX XXXX and they are treating me like XXXX and putting their knee on my neck. I can not BREATHE!!!
Company Response:
State: GA
Zip: 31705
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recieved notification from a collection company for a retail ( XXXX ) account that I did open, apparently it says it was opened in XX/XX/XXXX, I DID NOT open any new account with XXXX. In XXXX of XXXX I enrolled in a debt relief program XXXX XXXX and 7 accounts were enrolled at this time, i ended up paying off one ( XXXX ) in XX/XX/XXXX, which left 6 remaining accounts, 1 which was a XXXX account, different account number, opened years ago. My credit report showed a collection for ANOTHER 2nd XXXX account that does not being too me, I've never paid to a second account, I have XXXX statements from MY account and the account number is not the same, my account # is XXXX balance of {$1700.00}, I did not open a second account which I believe this is a fraudulent account/identity theft. At no time did I open a 2nd XXXX account. I put a dispute in with XXXX and the collection agency, even the told me that is very unusual to have two accounts for the same store. I expressed to them I did open that account. The balance is over {$2200.00} account # XXXX, which I did not charge or open any additional accounts with XXXX since enrolling in the debt relief program in XX/XX/XXXX. I've been working very hard to get my credit scores back on the up rise since. I will attach any documents I have pertaining to this but again this is not my account nor my debt. I am attaching the collection information as well as MY ONLY XXXX ACCOUNT I HAVE AND IT'S ACCOUNT NUMBER. Thank you, Please assist.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I disputed charges from a collections agency and now it reflects derogatory remarks on my credit score.
Company Response:
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX LVNV FUNDING LLC 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 LVNV FUNDING LLC 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, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Not only do I dispute this debt, but the debt collector, LVNV Funding, and their attorney, XXXX XXXX, with XXXX & XXXX in XXXX, AZ apparently obtained a judgment against me without my knowledge and without verifying the debt, and then proceeded to locate an individual with a similar name, contact her employer, garnish her wages, and in the process provide her with enough information about me ( including my name, SSN, supposed debt amount and creditor, etc.. ) to track me down and harass me via social media, blaming me for the supposedly mistaken garnishment. Since the garnishment was squashed by the court, the debt collector has sent yet another a letter outlining specifics about both me and the debt to another unrelated third party and has increased the total supposedly owed. It is unacceptable given a. ) it's not my debt, b. ) they didn't contact me before obtaining a judgment ( or contacted the wrong person ), c. ) they released very personal, identifying information about me and my supposed debt to a stranger who proceeded to harass me, not once but twice, and d. ) they have not stopped their efforts.
Company Response:
State: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XXXX, XXXX, I placed a complaint about this Debt Collectors company, RESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. At that time, they were harassing me, in less than a month they sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}, using confusing language that overshadows and contradicts information. I respondedto all five notificationsas they arrived because they keptthreateningme that if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I had to expose myself ( I'm XXXX XXXX XXXX ) and others to this deadly Coronavirus COVID-19, every timeI had to go to print the response letters, and to the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me, at least they want to pursue this matter in court, but they haverefused to do it bycontinuing to send me more notifications. Also, I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired ( I have mentioned all of this information on my previous complaint ). On XX/XX/XXXX, RESURGENT CAPITAL SERVICES L.P. responded to my complaint to theConsumer Financial Protection Bureau ( CFPB ), citing on their 2nd page that : " Our records indicate that XXXX XXXX XXXX submitted a notice requesting that we cease communication with them to this office on XX/XX/XXXX. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that our office initiates no further contact to the customer, except to respond to specific requests received from the customer. Please be advised that the cease and desist notifications received also states that XXXX XXXX XXXX disputes the validity of the debt. '' ( response attached ) I HAVE NOT askedRESURGENT CAPITAL SERVICES L.P. to respond to any specific requests since my lastcease and desist request on XX/XX/XXXX. On XX/XX/XXXX, once again, they've sent me another notificationusing the same old confusing language that overshadows and contradicts information as the five previousones before I placed mycomplaint on XX/XX/XXXX ( picture attached ). All six notices are coming from the same XXXX XXXX XXXX, XXXX MI XXXX And the same Correspondence Department XXXX XXXX XXXX, XXXX, SC XXXX
Company Response:
State: TX
Zip: 78752
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Paid off credit card and closed company XXXX XXXX XX/XX/XXXX On XX/XX/XXXX lvnv funding reported on my credit debt owed by original creditor XXXX XXXX. This is a fraudulent attempt to collect a dept not owed. Disputed with credit bureaus.
Company Response:
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A