Date Received: 2019-10-12
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: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TheFCRAstatesthatthecreditbureausmustverifyallinformationthattheygetfromthebanks,creditcardcompanies,etc.,beforeputtingitonyourcreditreport. WhattheCRAsmusthaveistheORIGINALSIGNEDDOCUMENTfromwhenIopenedthebusinessaccountthatispostedonmycreditreport. Section609oftheFairCreditReportingActstatesthatIshouldbesenttheORIGINALSIGNEDDOCUMENTSinordertoverifyiftheaccountsarevalid. SincetheyhavenotsentmesuchdocumentstheyareobligatedundertheFairCreditReportingActtodeletethoseunverifiedaccounts. Therefore,IamrequestingthattheseaccountsbedeletedfrommyCreditReportAgencies. XXXXXXXX-XXXXAccountsrelatedtothiscomplaint:Account#1:Collector:XXXXXXXXXXXXXXXXLastreportedXX/XX/2019{$630.00}OpenbalanceUNIVOFXXXXXXXXOriginalcreditorAccount#2:Collector:LVNVFUNDINGLLCLastreportedXX/XX/2019{$450.00}Openbalance12XXXXXXXXNAOriginalcreditorAccount#3:Collector:XXXXXXXXXXXXLastreportedXX/XX/2019{$170.00}Openbalance11XXXXXXXXOriginalcreditor
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a garnishment letter from my job stating that wages were being taken for LVNV FUNDING LLC, for credit card debt. I was never informed of this debt or received any notice of garnishment. I had to go to court to try to stop te garnishment and I was told that I was in fault of default judgement for the following case Case : XXXX LVNV FUNDING LLC, I looked into laws and my rights and found out the this company do not have license to collect in the state of TN. Details License # Status Expiry Date Rank Name ATTN Original Date XXXX Application Expired ' LVNV FUN $ DING LLC, ' XXXX Application Withdrawn ' LVNV FUNDING, LLC, ' This company is collecting {$1000.00}. Not only did they not give me notice or proof of this debt they are not allow to collect in TN
Company Response:
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Current Owner : LVNV Funding LLC Reference Number : XXXX To whom it may concern : This company has a false account that is reporting on my XXXX report as a debt that needs to be removed or i will be contacting my attorney ( Information below ) as i just had a settlement with XXXX for false statements on my credit report rewarding me in {$500.00} for incorrect reporting. This is my final request for a actual document proving who this belongs to. My final request, send all proven documents to my North Carolina address listed below. I have shown given proof that this account is not mine and has never been mine by this so called credit one. I have a signed statement from 2018 that this XXXX XXXX has never had any relations with myself. Please remove this account and while this investigation is going on you have 30 days of no reporting in which you never abide by before. That is a violation.
Company Response:
State: NC
Zip: 27205
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried on three different occasions to have them validate this debt. They never reply ' all they do is update the notes on my credit report, which states, " Consumer disputes this account information Collection account. '' I have no idea what this debt it.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I contacted XXXX XXXX XXXX about resolving a balance I owed to them. They informed me that they had sold my account to a company called LVNV Funding. I called LVNV Funding and they told me that a company named Resurgent Capital Services LP was handling this account. I called Resurgent Capital Services and was told that a company called XXXX XXXX was handling my account. I called XXXX XXXX and they offered me a settlement to pay this account and it will not be reported to my credit report. However, Resurgent has reported this to my credit report after this. I called them and they seem interested only in harming people 's credit profiles rather than the account being paid. This is an overly convoluted process when I had willingly been trying to settle this debt before ever being contacted by this company. This is very deceptive and confusing for consumers.
Company Response:
State: IA
Zip: 50131
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: creditor : resurgent captial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX ( XXXX ) on XX/XX/2019 we had sent a notice of dispute of debt and request for debt validation to the creditor listed above, which is listed on our credit report. We have not heard anything back, and it has been over 30 days. We do not know what this debt is, and any attempt to try and figure it out has been unsuccessful.
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I dispute this amount with LVNV funding. I dont know what that is They called me and threaten me. And hung up on me
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: My name is XXXX XXXX Today I received a Notice of Garnishment from XXXX XXXX XXXX # XXXX City of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , NY XXXX. For a judgement of {$6700.00} plus interest and fees for a total of {$11000.00} The judgment creditor is Cach, LLC.no address or telephone #. Also on this letter is a Company call XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX # XXXX, ext XXXX On this letter they are saying that a garnishment has been filed against my paycheck. This is a big scam by Cach , LLC. XXXX XXXX XXXX XXXX and by the New York XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was on a payment plan, paying $ XXXXmonth. During this " 3month hardship, i wasnt supposed to get late fees. '' However, they continued to charged me late fees. as I was paying what was agreed. I made several phone calls, they told me the program would take effect after 3 payments of {$90.00} was made. After the 3 payments, still the same thing. late fees. So I stopped paying, because they couldnt give me what was initially promised.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A