Date Received: 2019-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt in the amount of {$340.00} was paid in full
Company Response:
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2019-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed a police report and completed the notarized affidavit as requested by the company and they told me my information was unacceptable. I cant fo anything else. This very unfair. Because it's not my dept.
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV FUNDING LLC reported an incorrect account to my XXXX Credit Report and was unable to verify that the debit was mine along with not being able to validate this loan.
Company Response:
State: NV
Zip: 89106
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
Company Response:
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It was brought to my attention that a closed charge off account that was charged off back in XX/XX/XXXX by XXXX XXXX was now reporting negatively as an open collection account. I am in the process of purchasing my first home and the underwriters wanted to know about the collection account that was reporting on my credit bureau from LVNV Funding LLC in the amount of {$640.00}. I called XXXX XXXX to have a letter sent to me stating that the account was charged off back in XX/XX/XXXX and they stated that they could not do so. Today, XX/XX/XXXX, I receive notification that I have a new negative remark on my credit report and to my surprise, LVNV Funding LLC is now reporting the account as " OPEN '' and that it is an active collection account, 3 years after the account was charged off by XXXX XXXX. This is delaying my ability to get my first mortgage and this company is not willing to send my last statement that I had with XXXX XXXX so I can provide proof that the account was charged-off. The reason for my complaint is because of this company 's deceptive and unethical reporting practices causing the once 3 year old closed charged off account as an open and active collections account. I would like for this " collection account '' to be taken off my report completely due to their manipulative, deceptive, and unethical ways of doing business and for not providing me with my last statement that I received from XXXX XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The company LVNV Funding LLC is reporting a collection account to my XXXX and XXXX credit reports. This account shows it is in the care of Resurgent Capital Services on my XXXX credit report. It also lists an address associated with Resurgent Capital Services on both credit reports. It also has the wrong address zipcode because on one it has XXXX and the other as XXXX. I have disputed this account multiple times with XXXX and XXXX and each time it was verified as accurate and/or updated. I sent a certified letter to the address listed on my credit reports requesting validation which was received on XX/XX/XXXX and disputed the account on XX/XX/XXXX with the credit bureaus XXXX and XXXX the item was verified. I still had not received sufficient validation or any of the documentation I requested from LVNV Funding or Resurgent Capital Services so I contacted them on XX/XX/XXXX inquiring about them verifying information with the credit bureaus but failing to sending any validation for the alleged debt. The representative said validation had been sent on XX/XX/XXXX and I would receive it by the end of the week. Well once I received validation in the mail I see it was sent First Class Mail and stamped by the post office on XX/XX/XXXX. They ignored my request for validation and then rushed an account summary form Resurgent Capital Services and what seems to be a bank statement and did not include any of the other information I request for validation. The representative I spoke with on XX/XX/XXXX exact words were " Everything that you have requested in your letter we have sent you. We have sent you all the validation of debt that we can legally send you. So, again you will receive that. If you are not content with what we have sent you, you can request more information, but at this time we basically have sent you what we can in regards to your list and what we can send out legally. '' During this conversation the representative ( XXXX ) told me that a cease and desist was place on my account on XX/XX/XXXX and also stated this account was also purchased on XX/XX/XXXX. This is ludicrous since this cease and desist was added the same day this account was purchased and I had no knowledge of this account on this date.
Company Response:
State: AL
Zip: 35160
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A review of all 3 Credit reports ( XXXX, XXXX & XXXX ), on XX/XX/XXXX -- resulted in my finding LVNV reporting an alleged debt with all 3 consumer reporting agencies. This alleged debt was duplicate reported as a XXXX XXXX debt as well as an LVNV debt. At this time I forwarded XXXX XXXX a Notice for conditional Acceptance upon Verification with all the reported Account information, alleged debt amount and name of alleged borrower. On XX/XX/XXXX, AND XX/XX/XXXX ( enclosed ), XXXX XXXX responded that they have no records of any alleged account. Between XXXX of XXXX to present I have sent Notices ( all enclosed ) of Verification/ Notice & Demand for Full Disclosure/ Notice for Adequate Assurance of Due Performance/ Notice for Holder in Due Course, to LVNV and they have failed to respond. All the while continually reporting this fraudulent debt to all consumer agencies.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
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: This company has hit my credit report trying to get an amount that was paid by myself through wage garnishment. This company has threatened me to take me to court and again garnish my wages. This daily harassment has caused an increase in my anxiety at which I am now taking medications to help me to manage the symptoms of anxiety. This has also hurt my credit by 21 points.
Company Response:
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A