Date Received: 2019-10-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The Company in question is LVNV Funding LLC. I have sent them 3 letters to verify the validity of a debt they claim I owe. Instead of verifying this debt, they send me a letter stating that they don't feel obligated to verify because they think it is coming from a third party etc. So they basically do not want to verify the debt but instead keep it on my credit without verifying. I want this investigated. I have the letters from LVNV rejecting to investigate. I want this debt permanently removed from my report since they do not want to keep in accordance with Fair Credit practices like verifying debt.
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV is continuing to report inaccurate accounts to my credit file. They are in complete violation. Not only has LVNV failed to notify me to let me know there was an alleged debt and it will be reported to credit agencies. They were informed that I am a victim of identity theft and this account is a result of identity theft yet they still failed to do an investigation. LVNV has no legal documents bearing my signature and I have never had any business dealings with them nor the company they represent. Yet they are reporting 2 accounts on my credit file in the amount of {$1800.00} and in the amount of {$980.00} of which both needs to be removed.
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I spoke with XXXX from the company on XX/XX/19 on a collection item with the amount they claim I owe of XXXX reported on my credit file ask for validation and licensing to collect in my state a havent received anything.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On or about XX/XX/2019 I sent LVNV a certified letter requesting a validation of debt for two alleged accounts ( Reference ID # XXXX & # XXXX ) and as of todays date they haven't provided me any validation response. On or about XX/XX/2019 I sent LVNV a 2nd certified letter requesting validation of as of todays date they haven't granted my request. On or about XX/XX/2019 I received a letter from Resurgent Capital Services '' stating " Resurgent Services L.P. manages the above reference account for LVNV Funding LLC ''. " Resurgent Capital Services '' failed to provide any validation of debt. With this letter that I requested approximately two months ago from LVNV. There is no question that " Resurgent Capital Services '' is aware of my validation request done XX/XX/2019 & XX/XX/2019 and they also are denying me my request for validation of debt.
Company Response:
State: MT
Zip: 595XX
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: LVNV Funding, LLC C/O Resurgent Capital Services Ref ID : XXXX Account # XXXX LVNV Funding, LLC C/O XXXX XXXX, XXXX Our account # XXXX Original account # XXXX I sent a dispute request to each of the 3 credit bureaus in XX/XX/2019 for validation of an account discovered on my credit reports, with LVNV Funding, LLC. After receiving a notification from the credit bureaus explaining that the account was validated, I contact the 3 bureaus to find out what evidence was used in the investigation and if I could obtain copies. Each of the bureaus explained that documented evidence was not provided and is not required for the bureau to obtain. I was then referred to the organization reporting the account to the bureaus. On XX/XX/2019, I mailed a letter to XXXX XXXX, XXXX requesting valid proof that I authorized and/or agreed to the terms and the initiation of this account. I also asked for all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected. This includes an agreement that bears signature of the alleged debtor where he promises to pay the original creditor. I also asked them to state whether or not they have this documentation to provide. ( Doc attached ). On XX/XX/2019, I received 3 letters from LVNV Funding, LLC. 2 letters came from LVNV Funding - C/O Resurgent Capital Services and the 3rd came from LVNV Funding - C/O XXXX XXXX, XXXX. The first letter from LVNV Funding - C/O Resurgent Capital Services, dated XX/XX/2019, stating they received my request and a review of the inquiry has been initiated ( Doc attached ). The second letter from LVNV Funding - C/O Resurgent Capital Services, also dated XX/XX/2019, stating that they verified the debt and included an account summary which didn't validate that this is my debt ( Doc attached ). The 3rd letter from LVNV Funding - C/O XXXX XXXX, dated XX/XX/2019, stating that the account has been placed with XXXX XXXX XXXX. it also included offers to settle the account.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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 XXXX 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: 89031
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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 XXXX 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: OH
Zip: 44720
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company by the name of Resurgent Capital Services keeps harassing me about a credit card payment due to XXXX XXXX that I never owed. Ive sent countless messages And proof showing that I paid this account in full & never used the card again ; I cut up the card. I explained to XXXX XXXX this & they told me that when I was paying the full balance of {$750.00} that I didnt have to pay anything else ; this was XX/XX/2017. After a year or so, I then started to get harassing letters and calls from a debt collector ( Resurgent Capital ) saying I owed XXXX XXXX {$630.00}. I tried disputing this numerous times for over 2yrs with Resurgent, yet they are persistent in trying to force me to pay a balance that I do not owe. Ive even disputed this with XXXX XXXX since they lied to me and sent this fraudulent bill to resurgent so they could pressure me into paying something I never owed. While its been a problem, due to this being on my credit report, now its a huge problem that I want to go away. In which Im willing to file anything to prove my innocence of this being a fraudulent bill. Ive made a complaint with bbb.org, Im making a complaint with you all, & im filing a police report on resurgent & XXXX XXXX for harassment, and fraudulent charges. If the problem persists, then Im just going to file a lawsuit against both parties because I refuse to fight this case to prove my innocence alone. These people are savages and they need to be stopped or put out of business. Im tired of being a victim to these people.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A