Date Received: 2020-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Company Response:
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LVNV FUNDING LLC RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX : Collection account : XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository thatA could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harasment and I will have no choice but to file suit. All future comunications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove thIS account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX.
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV KEEPS ATTEMPTING TO COLLECT A DEBT NOT OWED THIS DEBT BEGIN ALL THE WAY BACK IN XXXX AND LVNV IS STILL ATTEMPTING TO COLLECT THE DEBT BY WRITING ME AND PLACING THE DEBT ON MY CREDIT REPORT THAT STATUE OF LIMITATIONS IN MY STATE IS 3 YEARS, THIS DEBT COLLECTOR ALSO CLAIMS THAT MY DATE OF LAST ACTIVITY WAS XXXX XXXX DOLA IS BASED OFF WHEN THE ACCOUNT IS SOMEHOW CHANGED OR MOVED OR SOME ACTIVITY HAS TAKEN PLACE- BUT MOVEMENT HASN'T HAPPENED ON THIS ACCOUNT SINCE XXXX - FURTHERMORE WHY IS THE DATE OF LAST ACTIVITY ( DOLA ) DATED XXXX XXXX?? - DID LVNV PURCHASE THE ACCOUNT ON THIS DATE? -AND IF SO DID IT KNOW IT WAS PURCHASING A DEBT PAST STATUE OF LIMITATIONS? - WAS THE DEBT COLLECTOR NOT NOTIFIED BY THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) THAT THE DEBT WAS PAST STATUE OF LIMITATIONS??? - IF NOT DID THAT MEAN THE ORIGINAL CREDITOR SOLD THE DEBT COLLECTOR THIS INVALID DEBT ON PURPOSE??? -THIS ACCOUNT DOES NOT HAVE THE SAME DATE OF LAST ACTIVITY ACROSS ALL 3 BUREAUS THE DATES AREN'T EVEN IN THE SAME YEAR ***DATE OF LAST ACTIVITY ON XXXX IS NOT ACCURATE HOW CAN THE DATE OF LAST ACTIVITY BE XX/XX/XXXX WHEN THE COLLECTION ACCOUNT WAS OPENED ON XX/XX/XXXX THIS IS NOT MAKING SENSE*** -DOES NOT NOT SHARE THE SAME DATES OF LATE ACTIVITY AS XXXX XXXX - WHICH ALSO HAS THE DATES OF LAST ACTIVITY IN 3 DIFFERENT DATES ( NON- COMPLAINT ) HOW IS THIS ACCOUNT ACCURATE COMPLAINT OR ETHICAL, THIS ACCOUNT OBVIOUSLY VIOLATES METRO 2 COMPLIANCE STANDARD WHICH IS A STANDARD HELD BY EVERY DATA FURNISHER AND A STANDARD THAT MUST BE COMPLIED WITH
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter from XXXX XXXX , XXXX which claims their client LVNV Funding LLC has " purchased '' an account from XXXX XXXX XXXX XXXX. for {$14000.00} which is far more than I ever had a credit limit for when I was a customer of XXXX XXXX. I filed a complaint against XXXX XXXX a very long time ago for fraud, which they paid off as part of a class action lawsuit with multiple Colorado plaintiffs but I never owed XXXX XXXX anywhere near {$14000.00}. XXXX XXXX is claiming that I can discharge this debt for a one time payment of {$5900.00} which confirms the debt is false and spurious. XXXX XXXX has provided NO evidence that their client purchased the alleged debt, they have not provided any contact information other than a phone number and a Post Office box, and the letter was dated " XX/XX/2020 '' but was not received until XX/XX/2020. XXXX XXXX has not identified any specific person at LVNV Funding or any contact information for LVNV Funding to dispute this alleged debt. In short, this meets the criteria of " phantom debt '' where unscrupulous and criminal perpetrators attempt to shake down the public to avoid shame. I am requesting the name of principals involved at XXXX XXXX and LVNV Funding that can be named in subpoenas for deposition and litigation.
Company Response:
State: WY
Zip: 825XX
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding Inc. sent my debt to a collection attorney who filed for garnishment of the debts owed to the company. On XX/XX/2020 I received a letter stating the debts were satisfied ( paid ) in full but LVNV Funding has not updated my credit reports nor removed the inaccuracies after multiple disputes.
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was sick with XXXX XXXX XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2020-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was notified by the 3 credit bureaus of a collection account that was placed on my credit report by LVNV Funding. Apparently they bought this account from XXXX XXXX XXXX that was already paid for back in XXXX. Also per Michigan law you have to have a license to collect any form of debt. They do not have one at this time.
Company Response:
State: MI
Zip: 48088
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV FUNDING is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Company Response:
State: UT
Zip: 84032
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: 2 companies ( resurgent capital, LP, and XXXX XXXX ) are reporting on my files. This account appeared on my XXXX report, due to a complaint I filled with the XXXX in XX/XX/XXXX. States opened in XX/XX/XXXX, yet was only on my XXXX files until I initiated the complaint with the XXXX.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A