Date Received: 2019-07-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I checked my credit report to see an LVNV FUNDING LLC reporting inaccurately for XXXX XXXX My XXXX XXXX account is current and open, not delinquent and in collections.
Company Response:
State: WY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Resurgent /Lvnv Funding LLC , to XXXX , XXXX and XXXX. I discovered on 20 Errors on Each report. Which indicates that Resurgent /Lvnv Funding LLC broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent to letters on Resurgent /Lvnv Funding LLC . via Certified US Mail, inquiring about the loans reported to my credit .They responded XX/XX/2019 with two different letters verifying the debt but also saying they were responsible for the debt.. They need to be held accountable for breaking the laws
Company Response:
State: IN
Zip: 46324
Submitted Via: Web
Date Sent: 2019-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off my XXXX XXXX card i full then they started to collect interest on money i didn't owe which is negatively affecting my credit score
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received repeated letters from Resurgent Capital Services, addressed from XXXX XXXX XXXX, XXXX MI XXXX. They claim that I am delinquent on a debt from a XXXX XXXX XXXX credit card for a debt balance of {$1000.00}. I sent them a letter via Certified Mail indicating that I have never had any account ever with XXXX XXXX XXXX. I disputed the debt, it is not mine. I received a letter later with an account summary report for the charges from XXXX XXXX XXXX credit card. The account holder 's name is the same as mine, addressed in California. I sent them a letter via certified mail disputing this debt and informing them that the individual on this account is not me. I have a common name. They are contacting the wrong person. They have repeatedly sent me further letters demanding I pay the debt. I have repeatedly sent them letters via Certified Mail informing them they are contacting the wrong person. They have never once asked for verification of identity to make sure they have the correct individual. I have never lived in California. I have never had an account with XXXX XXXX XXXX. I want them to stop contacting me. I have pulled my credit report several times and confirmed I have never had an account with XXXX XXXX.
Company Response:
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am receiving letters from Resurgent Capital Services and XXXX XXXX XXXX regarding the same debt. I sent them a letter on XX/XX/2019 that this debt was assigned to my ex-husband in our divorce. Yesterday, they sent me a letter with falsified information and my signature was forged. This is a very serious problem and I would like it addressed.
Company Response:
State: CA
Zip: 92399
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This below debt collector has this information on my credit report. XXXX contacted them and of course they will said what they have is accurate. But I never opened a XXXX XXXX account for {$5200.00} in 2018. I never had a Visa card from XXXX XXXX. The debt collector wants a police report. All the information I have is what they put on my credit report. I do not have the full account number or when this started other than they have it was opened in 2018. I would not open a XXXX XXXX account with XXXX XXXX at my Michigan address. They ignore this information. I have a Master Card with XXXX XXXX only and it is not a Michigan address. LVNV FUNDING LLC Account XXXX {$5200.00} late payment since 2018.
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have repeatedly asked lvnv funding send me a debt validation letter proving I owe them money I told them I want to see a sign contract stating I owe any amount of money they have not provided one but yet they are still on my credit report
Company Response:
State: FL
Zip: 33486
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV has appeared on my credit report for alleged debts owed. I have written multiple letters requesting validation of debt, including original contract, signature, amount owed, etc and they only respond with summary of what is already on the credit report, no real information, nor the information requested. Additionally I was surprised with a wage garnishment from one of them when I had NEVER been given a dispute opportunity much less the opportunity to go to court and dispute anything or even ask for proof of debt in court which I am confident they can not provide!! To make matters worse since the garnishment was put in place they are still reporting to the credit agencies late fees, interest etc and total is increasing regularly. I have now paid almost the entire thing off via garnishments and they are not reporting said payments, only increasing the amount. The garnishment paperwork sent to my employer also required them to send over my bank name, account number and routing number which they even said in 30 years they have been doing garnishments, they had never been asked for. I have written, called and emailed LVNV, the lawyers in OK handling the case asking why I was never informed, asking for proof and wanting to know why my personal bank information was required to be shared and I can not get a response. I feel like my hands are tied since it already went to court without me and I am already being garnished but can not help but feel they are doing alot of illegal activity or at the very least immoral. None of the rules have been followed, my personal banking information has now been shared and none of my payments on this alleged debt are being reported. Since this has taken place it appears as though LVNV is now on my credit report a total of 3 times, 3 different amounts reflecting due with 3 different account numbers. I have written them ALL requesting the validation of debt with contract, signature, etc and have gotten nothing back. How is it they have so much power and can do so much damange and not be held accountable and still be in business as shady as they are and we have so very little power to do anything about it? Not everyone can afford lawyers to fight these times of things.
Company Response:
State: AR
Zip: 728XX
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
Company Response:
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
Company Response:
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A