Date Received: 2020-06-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I disputed a XXXX XXXX XXXX XXXX./XXXX XXXX ( XXXX ) in regard to an unknown XXXX 'XXXX XXXX account after pulling my credit reports which was said to been verified. XXXX said they aquired the debt from parent company XXXX XXXX XXXX ( XXXX XXXX ) but say they sold the debt to RESURGENT CAPITAL SERV around ( XXXX ). All 3 companies are reporting inaccuracies to the credit bureaus in violation of CFPB law. XXXX charged off acct. on ( XXXX ) with a balance of {$440.00} which is still reported as XXXX with ( XXXX ). XXXX 'S also reports acct.with XXXX as ( C/O BAD DEBT ). RES.CAPITAL SERVICES is reporting to ( XXXX ) the same acct. open with ( BAL.DUE {$440.00} ) on behalf of XXXX from ( XXXX-current ) which I believe is double jeopardy and in violation of CFPB and FDCPA. Its negatively hurting my credit score and XXXX/XXXX XXXX sent a letter saying they reported everything to all 3 bureaus accurately and won't remove any negative remarks. XXXX also shows a Charge-Off from XXXX/XXXX XXXX on ( XX/XX/XXXX ) and PAID ON TIME status from ( XXXX XX/XX/XXXX ) with Date of Last Payment as ( XXXX ). Which one is accurate. The last reports/updates are ( XXXX XXXX, XXXX XXXX AND XXXX XXXX ) which makes me believe they never actually investigated the dispute.
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Third party vendor that didn't have my permission or legally able to collect on behalf of the original creditor has constantly reported negatively to 3 credit bureaus.
Company Response:
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: " Creditor '' refuses to provide me with the income statement on the accounts receivable and accounts payable.
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a copy of my personal credit report from all 3 credit bureaus. I sent a certifies letter to the company on XXXX XXXX to the address on the credit report. I have never received any documentation verifying that I have a signed contract, verification I owe them a debt or anything bearing my signature. I have also filed a dispute with the credit bureau notifying them to delete this inaccurate information. Here is the proof of mailing Delivery Attempted Tracking # : XXXX Recipient Address : LVNV Funding XXXX XXXX XXXX XXXX SC XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3. ORIGIN ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 7. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 8. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 9. AVAILABLE FOR PICKUP, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 10. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 11. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX 12. REMINDER TO SCHEDULE REDELIVERY, XX/XX/2020 XXXX XXXX, XXXX, SC, XXXX
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Debt Collection agency LVNV funding is incorrectly reporting a collection on my credit. I had a credit card, it went to collections, but then I went to a XXXX XXXX XXXX program, a program that helps pay the debts off for less than whats owed. LVNV is still reporting to XXXX that I owe them, when the debt was already settled and paid by XXXX XXXX XXXX. I contact XXXX to dispute the collection. Its only being reported on XXXX. Nothing on XXXX XXXX or XXXX. XXXX will not remove it. I need help getting it removed from XXXX report because its already settled with XXXX.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been in Contact with this company now for. Hear. Trying to remove this negative credit reporting on my account. Ive ow Disputed this charge Through XXXX. The information is false on their behalf and this issue was previously resolved. Im now being harassed and have notified the XXXX. Theyre refusal to stop calling to collect a payment that was resolved 2 years ago.
Company Response:
State: CA
Zip: 91042
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Called Resurgent in regards to an account, and was told I had 2 accounts, which we discussed. I was informed account was sold to them, yet not given a sold date. I have never received notices from either creditor or collection agency, in regards to this. I do not know when the account was allegedly placed for collections. Also account was to be placed in a medical hardship status with the original creditor. I was informed that activities would be suspended until recovered from medical condition, to which I have yet to.
Company Response:
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX LVNV Funding, LLC filed a civil action against me for an alleged credit card debt. On XX/XX/XXXX the case was dismissed without prejudice by the courts, which required LVNV to enter disputed information on my credit report regarding the civil case. I reviewed my credit file each month from XX/XX/XXXX through XX/XX/XXXX and they did not update my file so I filed a complaint with the credit agency to have the debt removed for violating my rights of fair credit reporting. I filed a complaint in XXXX and in XXXX but the credit agency did not remove the reporting so I decided to file a higher complaint against them. Because of this LVNV reporting on my credit report I was denied a student loan for my son even through an appeal. LVNV and XXXX have both denied me my right to have accurate information on my credit file and caused harmful information that was reviewed by a creditor resulting in denial of much needed funds for my child 's education. I have attached a copy of the civil court decision as well as the pages from my annual credit report dated XX/XX/XXXX indicating no disputed notations from LVNV.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I've sent a letter for validation back on XX/XX/XXXX. I've recieved no letter back in the mail. I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A