Date Received: 2020-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On about XX/XX/XXXX I received written communication from Resurgent Capital Services stating I owe {$470.00} to an original creditor named XXXX XXXX XXXX XXXX that that debt is now owed to LVNV Funding LLC. On XX/XX/XXXX I responded in writing to Resurgent requesting validation, competent evidence bearing my signature showing that I have some contractual obligation to pay this debt. On XX/XX/XXXX and XXXX, Resurgent responded by sending me a printout of a bill payment dated XX/XX/XXXX. On XX/XX/XXXX, I again sent written communication to Resurgent Requesting verification of the debt. On XX/XX/XXXX and XXXX, Resurgent again only responded with a printout of a bill and request for payment. Resurgent has entered negative information on my Credit Reports in regards to this issue and has failed to send me viable evidence that I owe this debt.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV funding have no record of this debt or validity of said debt it just appears on my credit report. Have put in a dispute with XXXX via phone as I have paid any debts with any validity to them. I do not believe this is an actual debt owed by me. XXXX XXXX
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
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: LVNV Funding bought my XXXX XXXX debt years ago and was paid off years ago. They have failed to provide me with a payoff letter after multiple request.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company LVNV Funding which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. 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. Futhermore, in order for XXXX XXXX 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.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: FAILED TO PROVIDE REQUIRED DOCUMENTS! - I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: LVNV FUNDING LLC XXXX XXXX AND XXXX XXXX XXXX I WON IN COURT AGAINST XXXX XXXX TO HAVE INFORMATION REMOVED FROM MY CASE IT WILL BE ATTACHED TO THE INFORMATION ON THIS CASE AND LVNV FUNDING I NEVER HAD AN ACCOUNT WITH THEM EITHER THE OTHER 2 ACCOUNTS WAS LISTED BY ONLINE FILING I AM NOT AWARE OF THOSE ACCOUNTS I am a secured party and the only person duly authorized with superior rights To add and remove things off of my property credit report. I as the Secured Party have a private security agreement valued at XXXX XXXX dollars and a copyright and trademark on name the Debtor XXXX XXXX XXXX And any derivatives thereof. I also have a UCC 1 Flied With the state of Ohio To protect my security interest. These companies do not have the authorization, From me, no contract, or consent for me to use my property and report it with these bureaus. This is notice to you to you to remove these companies information off of the Debtor XXXX XXXX XXXX credit reports as it affects/injures Me, the Secured Party. Any corporation or natural person who, By Coercion, Threat of force, or demand, requires an Employee, trustee, or fiduciary of the trust to perform, produce material, answer, comply with, or act in accordance with any particular Act set forth in the secured party fee schedule, shall be assessed according to corporate capacity for their actions, and further actions may be subject to parallel Claims of criminal activity including piracy, slavery ( suretyship ), trespassing, Breach of fiduciary duty, perjury, misprision a felony, RICO, and forfeiture. The only way any Corporation may post on my credit report is if I give the credit agencies consent to post
Company Response:
State: OH
Zip: 45805
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I NOTICED IN XXXX THAT A FRAUDULENT ACCOUNT WAS OPENED WITH XXXX XXXX IN XXXX. I CONTACTED THE FRAUD DEPARTMENT AND PROVIDED AND IDENTITY THEFT REPORT AND AFFIDVIT AND VERIFIED THAT IS WAS INDEED FRAUD AND THE ITEM WAS REMOVED FROM CREDIT REPORT. NOW XX/XX/XXXX I RECEIVED NOTIFICATION THAT LVNV LLC IS REPORTING DEROGATORY INFORMATION TO THE CREDIT BUREAUS ABOUT THE FRAUDULENT ACCOUNT
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I checked my credit and saw LVNV LLC has been reporting a collection since XX/XX/2019. I disputed this and requested debt validation, as nothing I have should be in collections. They ( the credit bureaus ) just sent me an email stating the debt was verified. Im not sure what they verified as they didnt share anything else with me as far as the method of verification. I was never contacted by the LVNV before placing this debt on my reports
Company Response:
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A