Date Received: 2019-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For about ten years, we have been getting harassing phone calls and letters from a string of scores of collection agencies purporting to represent " XXXX XXXX '', to collect on a Texas utility bill. One, we have never lived in Texas, and have lived at the same address in Florida for 28 years. The debt collectors never provide us with the address of the company or the identity of the person who did have the debt, if there ever was one. When we respond to their letters, we simply wait a few weeks, and we get another string of letters from a different collection agency. By the way, 28 years is way beyond the seven years statutory period. The latest agency to try this scam is Resurgent Capital Services, XXXX XXXX XXXX, XXXX, MI XXXX.
Company Response:
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There is an account on my credit report under LVNV FUNDING LLC that was opened on XX/XX/2018. I have no idea who the original creditor is or why this account was placed in collections. I have never received any information regarding the collection of this debt, or the original debt itself.
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX shows XXXX XXXX XXXX XXXX as write off on my credit report and I made a agreement with the collection company to pay it off for XXXX. Both other credit agency have removed it. I have did to disputes with XXXX and gave them proof it was paid off and it still on my credit,.
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
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: I have contacted this company on numerous occasions to validate the account that they are reporting on my credit report. Have contacted my certified mail. Company refuses to validate debt and prove ownership but constantly update credit report in an attempt to continue collecting the debt. Have requested numerous times to delete this tradeline from my credit report as this is not my account.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The following account I have been disputing for years. It does not belong to me. LNVN FUNDING LLC # XXXX
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have inaccurate information on all three of my credit reports ( XXXX, XXXX, and XXXX ) which I have disputed with LVNV LLC. I do not have a contract with LVNV LLC ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to XXXX, XXXX, and XXXX to send me proof of my original contract with LVNV LLC or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.
Company Response:
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV FUnding had placed an account on my credit reports which I settled. They then turned around and placed an open account on my credit reports after the settlement. I have no account with them and the accounts are settled. The inaccurate accounts that are being reported should be removed immediately from the major credit bureaus.
Company Response:
State: LA
Zip: 70634
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Since 2015, have been trying to get this removed off my credit my spouse had filed Chapter XXXX XXXX XXXX XXXX XXXX this had went to a Collection agency LVNV FUNDING /Resurgent XXXX for 3 years been filing complaints and trying to get this removed / deleted off my credt the other reporting agencies had closed this account that was in collections except for XXXX
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RESURGENT Capital Services sent me a letter Dated XX/XX/2019, attempting to collect a debt that, I do not owe in the amount of {$1000.00}, which is not my debt.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have never applied or any contract with company the claim is false and they have not provide any proof that I owe the debt and file this in county That I do not live and this is a violation of the federal debt collection act and have no mean to fight them in another county. this is harassment and I going to file charge against.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2019-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A