Date Received: 2020-07-15
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Resurgent Capital Services XXXX. XXXX XXXX XXXX, MI XXXX Original Creditor XXXX XXXX XXXX Current Owner LVNV Funding LLC On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Unless I notify within 30 days of receiving letter, they will assume debt is valid and obtain judgement. I responded each time requesting a copy of the original " Bill of Sale ''. They respond by sending a " Account Summary Report '' that any one could make up in an XXXX Spreadsheet. To date they fail to send what is requested. Odd that after replying in XXXX, I have not heard anything until this year.
Company Response:
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Following disputing the debt the company continued to operate in bad faith. They did an investigation in which was reported to my Credit report and they sent documentation to the credit bureau and merely documented that I dispute the debt. However, they did not provide documentation that proves they did meet their legal obligation under the Fair credit reporting act. This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV has continued to practice illegally using my personal information that was not provided to them by myself, nor do I have a written agreement or contract with them in the amount of {$560.00}. My consumer rights have been violated according to XXXX and I would like to have this taken care of immediately.
Company Response:
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received an alert that a new collection account report to my credit report. After receiving the alert I discovered that LVNV Funding reported an account to my credit file. I never received any mail or information from this company and they have validated the Fair Credit Reporting Act. LVNV Funding Llc has reported I open an account with them on XX/XX/2015 and I did not. I would like for LVNV Funding Llc to validate this debt, provide documentation showing signature, application, receipt for each transaction. Since LVNV Funding Llc is stating I owe this provide everything detail by detail and let me know how I owe {$610.00}.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received correspondence from a company named XXXX XXXX XXXX ( XXXX ) about a {$650.00} debt on XX/XX/2020. XXXX stated in their correspondence that they had acquired the debt from LVNV Funding and that I had 30 days to dispute. I sent XXXX a letter on XX/XX/2020 and asked for debt validation within accordance of the FCRA & the FDCPA. XXXX sent me correspondence containing what they had acquired from LVNV Funding on XX/XX/2020 and stated that is all that they had received. I wrote LVNV Funding on XX/XX/2020 and XX/XX/2020 asking for documentation of debt validation and that they indeed even own this alleged debt that they are reporting onto my credit report. They have yet to respond to my requests. XXXX has not responded to my request for proper debt validation either that was dated for XX/XX/2020. LVNV has not verified or validated anything within accordance of the law and they keep updating my credit report monthly. Secondly, on my correspondence from XXXX, LVNV was named as the Original Creditor. I didn't know that collection agencies can be XXXX 's. Please look into this matter because neither company has replied in a timely manner to my request yet my credit report was updated from LVNV Funding on XX/XX/2020, 5 days after the 30 day response time.
Company Response:
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. LVNV Funding LLC has been listed on my credit report as a collection in the amount of {$2600.00}. LVNV FUNDING LLC is reporting a collection account that does not belong to me. Nor do I have a binding contract with LVNV FUNDING LLC to pay this " debt. '' There was no investigation by the credit reporting agencies to confirm this account. LVNV Funding LLC has not furnished any documents proving this account belongs to me. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if LVNV FUNDING LLC is unable to provide me a copy of verifiable proof, they must delete the account listed on my credit report.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: LVNV Funding LLC sent me a later saying I owed an amount. I sent a letter requesting that they verify their info. They never responded. Instead I received a letter from Resurgent Capital Services LLC with photo copies of what I guess I was to think some kind of Statement of Account. At this point I decided to check my credit report only to find that LVNV had put this matter on my credit report. I have since sent letters to both asking for some kind of proof and I have received nothing. LVNV and Resurgent are both working out of the same address at XXXX XXXX XXXX XXXX SC XXXX. Both companies are sub companies of Sherman Financial Group out of New York. I am also now being harassed by XXXX XXXX XXXX XXXX about the same situation ... As a matter of fact I received letters from XXXX XXXX XXXX XXXX and Resurgent the same week both claiming that they are the servicer of this alleged debt.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a collection letter from XXXX dated : XXXX XXXX asking me to pay {$2000.00} for XXXX XXXX Credit Card debt ( The debt owner is LVNV Funding LLC ) I do not recognize the amount nor the credit card, On XXXX I sent them a registered letter asking for more information about this debt. I requested to receive the answer within 30 days of my response, but up to date, I didnt receive any response from XXXX-See attached Letter and documents. Then I received another ( 2 ) letters from Resurgent Capital Service dated : XXXX asking about the same debt amount of {$2000.00} ( The debt owner is LVNV Funding LLC ) This so confusing and its stressing me out, both debts are owned by LVNV Funding LLC, and I do not recognize this debt at all, and they are not providing me with enough information.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A