Date Received: 2019-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received a letter from XXXX XXXX XXXX attempting to collect a debt on a XXXX XXXX bank account that is over 12 years old. This is a fraudulent attempt to collect money for a debt that is no longer valid. XXXX XXXX doesn't care about this debt anymore and yet all this collection groups attempt to make some money off these invalid debts. Resurgent Capital Services is a collections agency which attempts to collect fake /old debt under many identities. Some of these identities are : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
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: I have sent dozens of request to all 3 credit bureau 's to investigate an account that is reporting inaccurately on my credit report. Each bureau has come back " verified '' and the account is still incorrect across the board. It has been over 30 days since I have submitted my investigation request to each bureau and to the company directly and I have yet to get a response or have the inaccurate information removed from my credit report. They continuously " update '' the account information. I have asked each company to " verify '' that the information that they were reporting was 100 % accurate, each came back verified but each bureau is reporting different information regarding the same account. The creditor has sent absolutely nothing in regards to verifying that the account is accurate.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding is reporting on a debt I do not owe. This debt is from XXXX XXXX and I had previously paid this debt with another creditor a very long time ago. This debt is not owed and needs to be removed off of my credit file.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from Resurgent dated XX/XX/XXXX about a debt that they said i owed. I sent them back a certified letter requesting validation of the debt. I then received a letter back from Resurgent along with a bill. Resurgent did not properly validate the debt.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The information below is from my credit report that this company just put on my report last month. I have spoke to two different representatives letting them know I am a victim of Identity theft and never had an account with them LVNV FUNDING LLC or XXXX XXXX who they said they bought the debt from. I was never contacted by this company before they put this account on my credit report and I was told by the senior representative on XX/XX/XXXX that they don't have time to call every person to validate the debt before having it put on a persons credit report when they purchase the debt. She stated this debt was from sometime in XXXX. I gave them another 24 hours to have this removed from my credit report. As this is a result of identity theft and they were informed of this several times. Also I did not sign any type of agreements with this company or any that they claim to have purchased the debt from. My rights as a consumer have been violated because I was not given the opportunity to dispute this debt before they put this on my credit report. This is the 3rd time I have spoken to someone from this company as of today XX/XX/XXXX. Account Details Bureau Name LVNV FUNDING LLC Original Lender 10 XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$360.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info C/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX-XXXX Remarks
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collection from this debt from LVNV FUNDING LLC. I am not responsible for this debt with LVNV FUNDING LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A Certified/Return Mail was sent to this creditor, LVNV Funding LLC requesting that the account # XXXX for the amount of {$680.00} they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. I reached out to them in XX/XX/2019 and my effort to have them explain the legitimacy of the debt they are purporting that I owe them was blatantly ignored. LVNV Funding LLC must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with deliberate speed per the FCRA and the FDCPA. Thank you, XXXX XXXX
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am reporting a violation of the F.T.C. Fair Debt Reporting Act.title 616.this collection agency is reporting information of Debt of $ XXXX.with the knowledge of it beening false. Lvnv Funding account # ending inXXXX has as of XX/XX/2019.has re-reported this 3 years old Internal Revenue Service filed as of XX/XX/XXXX XXXX.1099-c form was sent by certified mail to Lvnv Funding, copys was sent to C.F.P.B.with complaint ID # XXXX on XXXX for reporting this.
Company Response:
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2019-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
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: I checked my credit report and noticed that there is a collection negative item on my report from XXXX XXXX XXXX - that account has been closed all merchandise was returned and there should not be an amount owed noticed LVNV Funding LLC has this account should be removed / deleted been an ongoing issue
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I emailed XXXX XXXX on XX/XX/2019 and stated in the email that the charge off they have on my account was a fraudulently obtained card that I never applied for. The charge off has now been sent to LVNV Funding, LLC whose now reporting negatively on my credit report which is hindering me from obtaining certain loans. The account is a XXXX XXXX credit card.
Company Response:
State: MS
Zip: 39120
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A