Date Received: 2020-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I do not have with other valuable documents ( financial and prior police report which dealt with identity theft ). I am a senior and have been really hurt by the id theft. ) XXXX has been sent information confirming my identification and every time refuses to indicated that my information is correct. as of XX/XX/2020, and by regular mail as of XX/XX/2020. There are also inquiries on my file that I did not request or authorize. have sent the information via Certified Mail return receipt requested I can not call in or acquire it from their Alert program. The information was stolen last year from a rental car I had at the time. It had prior police report and other documents ( personal financial and those of our organization ).
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, My name is XXXX XXXX and I have disputed a collection account with the credit bureaus and the collection company ( LVNV Funding LLC ) on several occasions now. I disputed with XXXX, XXXX, and XXXX on the following dates. ( XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - and XX/XX/XXXX ). They never validated the debt. They only sent response letters stating verified without providing me with the proper proof of verification based on the law. After my third round of disputes, I was asked to provide two for of identification, but i had been attaching my Valid State ID and Social Security ID since letter one.The amount is for {$410.00}. I sent all mail certified and notarized. I recently seen that XXXX has deleted the collection. However, XXXX and XXXX has not. If XXXX couldnt validate the debt, how can they? This is not my account and I need it removed ASAP.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with CACH LLC/RESURGENT CAP Account # XXXX and XXXX XXXX account # XXXX, Account # XXXX. I am not responsible for any payments for this account. I have no business with CACH LLC/RESURGENT CAP, XXXX XXXX and its successors. CACH LLC/RESURGENT CAP and XXXX XXXX is " third-party debt collector ''. This collection agency typically buys unsecured credit card debt from companies. I do not have a loan or contract with CACH LLC/RESURGENT CAP and XXXX XXXX or owe a debt to CACH LLC/RESURGENT CAP and XXXX XXXX is attempting to collect a debt on the basis of fraud. CACH LLC/RESURGENT CAP and XXXX XXXX has report false, derogatory, defamatory and slandering information about me to the 3 credit Bureaus on account # XXXX and account # XXXX which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation and delete the negative information immediately on my credit report. Over the past several months, I have tried to resolve this issue on XX/XX/2020 and XX/XX/2020 by Demand to Cease and Desist ALL Collections Activities and filing a complaint FTC but to no avail, refusal. CACH LLC/RESURGENT CAP and XXXX XXXX decided to ignore my demands for Validation. The item was not being reported legally and lawfully. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately.I will further pursue all of my legal remedy without further notice to companies. Please Remove/delete CACH LLC/RESURGENT CAP and XXXX XXXX, immediately!
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive sent letter to LVNV to provide validation and verification of this alleged debt. My letters have been ignored hovever when I dispute with the credit it comes back as verified and LVNV hasnt sent the requested validation that was asked for.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A debt collection from LVNV funding LLC, dated XX/XX/2016 appeared on my credit report. I do not have knowledge of this debt and have spoken with representatives and sent letters requesting debt validation. I have yet to receive validation of this debt and when I called last, whomever I spoke with stated it would be removed from my report due to inaccurate reporting. This collections is still showing months later.
Company Response:
State: OH
Zip: 44685
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had 2 credit cards with XXXX XXXX, these were 5 years ago. They were charged off, another company got them, originally Ive was {$500.00} and one was {$300.00}, this collection agency called LVNV went to court behind my back did not serve me that I even had a court date and was successful in gaining a judgement t against me for XXXX and XXXX for a total of {$2700.00}. Not only did they do this but XXXX XXXX sheriff served my bank XXXX and took money from my XXXX XXXX XXXX high school checking account. I called XXXX and complained and they said we served you the paperwork and I said yes you handed me a judgement t that was already signed by a judge but thats it. Its criminal what they did. They have other names too so its hard to track them down. They operate from several states including XXXX XXXX Nevada, XXXX Calif and North Carolina. It has been a nightmare. Im going to be homeless soon if I can not get my credit score up. These are the only debts I have. Im XXXX, have a XXXX XXXX XXXX. Our lease ends in XXXX and Ive tried to apply for rentals and Im not qualified because my score is XXXX because of these XXXX XXXX collectors. Please help me.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous!
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: 1. I WENT ON XXXX XXXX XXXX TO OPEN UP AN ACCOUNT, WHICH EVERYTHING WAS OKAY AND OPENED. 2. MY ACCOUNT WEN INTO COLLECTIONS. 3. XXXX XXXX SOLD MY ACCOUNT TO XXXX XXXX XXXX . 4. ON MY CREDIT REPORT IT HAS BEEN CLOSED THROUGH XXXX XXXX. 5. IM TRYING TO PAY IT OFF WHICH NOW I WOULD LIKE IT REMOVED DUE TO WHEN I CALL THE NEW OWNERS WHICH IS LVNV FUNDING MANAGEMENT, THEY DONT SEE THAT ACCOUNT I AM SPEAKING FOR BUT ONLINE ON RESURGENT CAPITAL SERVICES IT SHOWS I HAVE 2 ACCOUNT UNDER MY SOCIAL BUT WHEN SOMEONE ELSE NAME WHICH HE IS MY HUSBAND. 6. I CALLED THEM TO INQUIRE WHY HIS ACCOUNTS ARE SHOWING UP UNDER MY SOCIAL BUT ARE NOT SHOWING UP UNDER HIS SOCIAL. THERE RESPONSE WAS TO CALL XXXX XXXX AND FIND OUT WHO HAS THOSE ACCOUNTS. XXXX XXXX RESPONDED WITH THE NUMBER TO XXXX XXXX XXXX. 7. XXXX XXXX XXXX RESPONDED STATING THEY DON'T HAVE THAT ACCOUNT ON FILE. 8. MY QUESTION IS WHERE IS THIS ACCOUNT, AND I WOULD LIKE FOR IT TO BE REMOVED FROM MY CREDIT. XXXX XXXX PHONE NUMBER I CALLED WAS XXXX XXXX XXXX XXXX NUMBER I WAS TOLD TO CALL XXXX LVNV FUNDING LLC PHONE ON XXXX IS XXXX RESURGENT CAPITAL SERVICES WHERE THE PORTAL SHOWS THE ACCOUNTS AND BALANCE AND WHERE TO PAY IS XXXX ( I SPOKE TO THEM AND THEY COULD NOT GIVE ME ANT INFORMATION TO WHY ITS APPEARS TO COME UP IN MY SOCIAL BUT NOT RECORDS OF IT ON MY HUSBANDS SOCIAL. THEY REFEREED ME TO XXXX XXXX WHICH REFERRED MY TO XXXX XXXX XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PORTAL.RESURGENT.COM ( WHAT COMES UP WITH MY SOCIAL ) Resurgent ID : XXXX Account Number ( Last 4 ) : ... XXXX Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. Origination Date:XXXX Charge Off Date:XXXX Charge Off Balance : {$1100.00} Charge Off Creditor : XXXX XXXX XXXX XXXX. Servicer : XXXX XXXX XXXX, XXXX XXXX Phone:XXXX Customer Information Primary Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Information Resurgent ID : XXXX Account Number ( Last 4 ) : ... XXXX Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. Origination Date:XXXX Charge Off Date:XXXX Charge Off Balance : {$880.00} Charge Off Creditor : XXXX XXXX XXXX, XXXX. Servicer : XXXX XXXX Phone:XXXX Customer Information Primary Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX BOTTOM LINE NO ONE WAS ABLE TO FIND ANYTHING OR HELP.
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XX/XX/XXXX, while trying to set up a utility bill I was informed of fraud security was in place due to a fraud alert and data breach. Ive been examining my credit reports prior to filing an identity theft affidavit to police and on XX/XX/XXXX I called LVN funding to request proof of debt. I explained my issue and said I was in the process of filing with police. They instructed me not to do that and then informed me I have a judgment filed with XXXX, XXXX and XXXX. After calling the law firm I was extremely confused to be told they served my mother by constable and she signed. I looked up my name on R.I.gov and u saw the date passed already and they were awarded a default judgment. XXXX, XXXX and XXXX told me they served my mother and she signed. but thats true because my mother works during the day and would have informed if she was served on my behalf. She confirmed she was not ever served, never signed and most likely wouldnt have opened the door if they did come. She would testify to that. I called XXXX back today and explained to them they didnt serve my mother and this debt is not valid. They told me its my responsibility and to figure it out. I am judgement proof a thus time and supporting my XXXX daughters alone. Im w victim of XXXX and lived in a XXXX XXXX shelter when they claim I was served at my address. For the last 48 hours Ive been educating myself on R.I. Debt collection laws, Fair debt collection practices, consumer rights and statue of limitations and LVN Funding LLC. Ive learned is this company is notorious for obtaining unlawful judgments by using methods that violate the FDCPA, FCRA protection laws. Theyve used false and deceptive means by failing to register with the state of R.I. as a debt collector. Theyre filing unfair and unconscious-able claims in Rhode Island that are time barred by Virginias limitations. They never responded to dispute by providing proof and they filed an illegal lawsuit against me knowing judgement would be defaulted. According to R.I. island debt collection law the defendant must be served in person without exception and that didnt happen. Im filing complaints against LVN Funding c/o Resurgent Capital Services to the RI AG Consumer Financial Protection Bureau, Federal Trade commission and XXXX. Id like to include XXXX XXXX for an additional collection for XXXX XXXX, but they have no yet filed a lawsuit. I want to file a counter suit against LVN funding and a file a suit against XXXX, XXXX and XXXX for violation of R.I. Debt collection Laws by not properly serving me legal court documents and using false documents to default judgment against me when I am legally judgment proof
Company Response:
State: RI
Zip: 02891
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A