Date Received: 2019-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX, I pulled my credit and discovered a tradeline for LVNV Funding LLC/Resurgent Capital Services for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with validation of the debt. They failed to respond. I pulled my credit again in XX/XX/XXXX and their tradeline is still there. I contacted them again in writing demanding they delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They have not responded. They did however respond my credit bureau dispute as " verified as reported ''. How can they legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation for the past 7 months? They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. I will also be filing a XXXX and attorney general complaint as well as seeking legal action for their unethical business practices.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are two accounts on my report in collections that do not belong to me. They are XXXX and XXXX and Resurgent Cap Services. I have never had car insurance with XXXX and I have not ever had a XXXX XXXX account. Not only that but they were reporting these accounts on my credit report multiple times with different companies which is illegal. I need you to please help me get this removed. This is fraud. I have attached my police report as well. I look forward to this being resolved asap.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :
Company Response:
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The following account does not belong to me : XXXX XXXX XXXX This is resurgent/LVNV fundings second time purchasing a fraudulent debt. I have attached proof of them dismissing a fraudulent account before that they attempted to verify. I am highly disappointed and I believe that some kind of disciplinary action should be taken. I will be speaking with my legal team today regarding this matter.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX. My husband and I divorced due to His XXXX XXXX. I am on XXXX and have XXXX. This debt was assigned to him and the balance was only {$350.00}. XXXX XXXX contracted this debt out to LVNV Funding LLC. I called and talk to them trying to explain to them that this caused my credit to drop -46 points and I have worked hard to bring my credit score up. This young man I spoke to called me every name possible, said I was a horrible person charging things and then " running out of my debts '' and got me so upset I had to go to ER with a horrible XXXX XXXX. I was trying to explain to him what happened but he would not listen. My credit score dropped -34 thru XXXX and -43 thru XXXX. Please help me get this straightened out and now they call me from XXXX XXXX through XXXX and I can't emotionally take this. My husband used this credit card out of malice and will not pay it. I only have social security XXXX as an income.
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2019-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hi, I ask the help of CFPB with the above creditor. XXXX and XXXX have stated that this account is accurate, yet both bureaus have not provided me anything. I have even sent a letter for VALIDATION First letter was sent out on XX/XX/2019 Second attempt has been sent at the beginning of XXXX, both letters I have sent and all I receive from the company are statement trying to collect a debt ( not mine ) these statements do not show anything and are not documents accepted as validation, so how is it that XXXX and XXXX are validating this account. I believe the bureaus are NOT validating anything and not properly investigating. XXXX and XXXX have closed my dispute and will no longer investigate ; therefore, I ask the help of cfpb to oversee what is going on. I request RESURGENT LVNV to remove both accounts from each credit files at once. Since they have failed to provide me with requested information. The FCRA requires you to verify the validity of the item within 30 days. I been disputing these accounts since XXXX150 days later, way pass 30 days. Enclose are copies of validation letters sent to creditor and bureau, receipt of certified mail and return receipt as well, creditor constant statement to pay a debt not belonging to me. XXXX To who it may concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2019-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a collection account listed on my credit report by LVNV Funding. I asked for written verification and validation of the debt. I received a letter from Resurgent Capital Services in response to my inquiry telling me they manage the account with LVNV Funding. They only sent me an account summary report that was prepared by Resurgent Capital Services on the behalf of LVNV Funding.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i notified this company this this was an account opened because of identity theft, and they wont respond.
Company Response:
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am asking for your help to resolve an issue I have that involves 2 different companies, LVNV Funding out of XXXX XXXX and XXXX XXXX XXXX out of XXXX XXXX, CA. In XXXX, I enrolled a delinquent credit card account I had with XXXX XXXX XXXX into XXXX XXXX XXXX ( XXXX ) debt reduction program. That account was subsequently sold to LVNV Funding soon thereafter. Through negotiation on my behalf by XXXX, the account was settled and for 32 months payments were made to LVNV, ending in XX/XX/XXXX when the account was seemingly paid off. I continue to receive letters from LVNV Funding, their account management branch Resurgent Capital Services, and a law firm they have hired, XXXX XXXX XXXX XXXX, in my home state of Colorado. They say I owe {$7900.00} on this account. Every single bit of documentation I have shows that the account was settled and fully paid off, and I have provided the documentation to LVNV Funding. Yet LVNV continues to pursue me. XXXX provides very little help in the matter now. When I have talked to them, it seems like they are aware that some kind of mistake or error was made that they're not admitting to. This is just a feeling on my part. I have no evidence. I am now a XXXX XXXX XXXX XXXX XXXX veteran with 20 years service. I am also XXXX from the XXXX XXXX, Colorado XXXX XXXX XXXX with 17+ years service with them. My only income is Social Security and my XXXX veterans retirement pay. I have had 2 stress related XXXX XXXX since XXXX, and this situation is only adding more stress. My fear is that LVNV Funding is going to file suit against me, and with the bills I have hiring a lawyer, let alone paying the amount they're asking for if I lost, would be virtually impossible. Thank you for any help you can provide.
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This was a debt from XXXX, discharged in bankruptcy in XXXX. I have REPEATEDLY disputed this debt with Resurgent ( the collection company ) teeming them if was discharged.. They once again send a statement of the debt from XXXX, and start the whole process over stating that if I don't dispute the debt in 30 days, it will be valid.. This has been going on for months, if not years.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A