Date Received: 2020-03-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/2020 I received a call stating that I owed a debt. I asked for all of the details of the debt but the agent wouldnt provide me with the info. On XX/XX/2020 I received a email stating that we could resolve the debt. I reached out but the agent had no knowledge of the email.
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Complaint against : Resurgent Capital Services & LVNV Funding LLC Ref : XXXX On XX/XX/XXXX, Resurgent Capital Services/LVNV Funding LLC was contacted by certified mail, advising I have never heard of them & do not owe LVNV {$2700.00}. On XX/XX/XXXX, Resurgent/LVNV contacted me again in reference to same debt & continues to harass me to pay LVNV {$2700.00}. I do not owe this! The 1/2 page " Account Summary Report '' prepared by Resurgent Capital dated XX/XX/XXXX is not from the original creditor, XXXX XXXX, XXXX. & is not sufficient & is unacceptable. It does not prove the alleged debt is in my name. No Bill of Sale they are authorize to collect or own this debt? They are trying to collect a debt I do not owe. Also, in the Summary Account, Resurgent didn't include the address of the Current Owner, to whom they claim is LVNV Funding LLC or any recognizable account number? Where did they get my name. Is this a scam? Resurgent didn't provide full verification and documentation that there is a valid debt : receipt ( s ) or statement ( s ) in Acct Summary prepared by them, showing what this debt is for in the amount of {$2700.00} or who signed the written agreement with XXXX XXXX and/or LVNV Funding. Who is Resurgent/LVNV Funding? Do they have a collection license from the S tate of Texas? Again, I dispute this debt and do not have any responsibility for the debt they are atte mpting to collect. I have requested they stop all communication with me and record that I dispute having any obligation for this debt.
Company Response:
State: TX
Zip: 78624
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I opened an account with XXXX 7 years ago and was brought by a collection company called LVNV FUNDING LLC Last reported XX/XX/2020 {$600.00} Open balance XXXX XXXX Original creditor This account was over 7 years old and they are reaging this debt which is legal. Because of this account i was not able to buy a home. They told me i had to settle the debt in which they would remove. I settle the debt and they still did not remove this account.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account has been too old to be on my credit report so I want it to be removed right away.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I filed a dispute with credit bureau since this account is showing -- for XXXX, XXXX closed with a charge off, then XXXX open with 120 days late? They sent via mail what they consider validation of debt dated XX/XX/XXXX. I called on XX/XX/XXXX attempting to settle for {$160.00}, since I am not currently working and have been off work since XX/XX/XXXX for XXXX XXXX XXXX. I explained to the rep I spoke with over the phone once she asked me about the dispute, and I told her that they are not reporting to my credit bureaus accurately and consistent so it is hurting my credit, I'd rather settle and close the account. I am willing and able to settle and close the account for {$160.00}, so it can just be taken off all my credit bureau accounts so they can all finally report accurately.
Company Response:
State: CA
Zip: 95354
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Every creditor/company that Ive researched on my credit report and disputed due to accounts not belonging to me, but came back as my statement being my responsibility, is THE MOST frustrating! I am RE-DISPUTING with complaints to every single creditor that is claiming otherwise. I want PROOF & ORIGINAL DOCUMENTS that show that these balances AND accounts actually belonged to me with my signature present!
Company Response:
State: CO
Zip: 80918
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received multiple letters from Resurgent Capital Services/LVNV Funding LLC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX claiming I owe {$4600.00} to LVNV Funding. Is this a scam? I disputed & requested Resurgent Capital/LVNV Funding, by certified mail on XX/XX/XXXX to provide supporting documents, etc. in writing & its license numbers in the State of Texas. The request was ignored, but they continue to harass me with robocalls & letters. Never heard of them & do not owe this claim! Noticed this company has over XXXX complaints with XXXX & when I filed a complaint on XX/XX/XXXX with XXXX to request Resurgent Companies remove this account from their system. This is the response they sent XXXX ... ..,, '' Ms. XXXX expressly stated in her complaint that she wants us to remove this account from our system, which requires that we cease and desist all activity. But Resurgent Capital Services/LVNV Funding LLC contacted me again 14 days later demanding {$4600.00} on XX/XX/XXXX, after stating they would cease & desist all activity.
Company Response:
State: TX
Zip: 78624
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: For the past two years, I have had a fraud alert placed on my credit report due to multiple credit inquiries and accounts opened up in my name. I have disputed this account multiple times and it always comes back that it meets FCRA requirements. I did not sign any documents agreeing to a XXXX XXXX XXXX Credit Card, which is the original creditor.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received information from LVNV Funding LLC in reference to an account they claim I owe {$690.00}. Ive never conducted business with this company and I sent several validation letters and fact act letter to the company who in turns sends me summaries of bills from a credit card company. I contacted the 3 credit bureaus that are reporting this illicit item on my credit file in an attempt to have it removed. The item is still on my credit file after I sent all three Bureaus the information I received from LVNVFunding LLC., and the item is continuing reporting on my credit report. According to the FCRA rules a debt collection agency must provide a signed contract bearing my name indicating I have conducted business with this company. LVNV Funding LLC refused to comply with the law by reporting this item on my credit file damaging my credit. I have not heard from this company after my last letter demanding them to produce a sign contract or contact the 3 Bureaus, XXXX, XXXX, and XXXX to remove the items until they have legally verified this debt belongs to me. I am request CFPB to conduct a full investigation of this matter.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A