Date Received: 2019-04-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I made arrangements with Resurgent CAP SRV once I received the debt validation notice. I set up payment plans and made the payments starting in XX/XX/2019. I am on my last payment, and they just posted the account to my credit file as a collection account in XX/XX/2019. My understanding is that since we made a payment arrangement for the debt before the thirty day validation period, there would not be action taken to my credit file. I feel that their tactic of allowing a payment arrangement and only posting the collection to my credit file once I am one payment away from completing the agreement.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am contacting you because XXXX is reporting things on my credit report that do not belong to me and I have already submitted a police report and added a fraud alert on my credit report my score dropped 45 points for an account that doesnt belong to me and that was fraudulently opened. I want this fraudulent account removed at once because it does not belong to me and I had no knowledge of it being opened and it is fraud and I want it removed from my credit report at once because its fraud and does not belong to me. This is the account I want removed it is fraud and does not belong to me. Resurgent Cap Srvcs Lp Opened XX/XX/2018 + {$390.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX Also I keep asking them to update balances on all my accounts which they refuse to do XXXX XXXX and XXXX are purposely reporting inaccurate balances on my accounts in order to keep dropping my score these three companies have been doing this to me for sometime I have contacted XXXX XXXX news and they are following my contact with you into this matter as I am XXXX XXXX and a single mother and its time these fraudulent companies be made to treat people fairly here is a list of all the account balances that need to be updated
Company Response:
State: NY
Zip: 14606
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A credit investigation form was sent to all 3 bureaus and came back verified. I then sent a debt validation request to the collection agency LVNV and to the original Creditor, XXXX XXXX. LVNV forwarded it to XXXX XXXX who in turn returned the envelope back to me unopened. They are both refusing to provide me with the debt validation information that I am entitled to under the FCRA.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2019-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hi my name is XXXX XXXX Please help me! I am confident that the Consumer Financial Protection Bureau will be able to resolve this issue. I have a collection on my Credit Report from LVNV Funding LLC the original Creditor is XXXX XXXX. I sent LVNV Funding LLC an Affidavit ( Statement Of Fact ) that was notarized sent certified mail with a delivery receipt. To Verify and or Validate the debt they say I owe. I have attached the Affidavit I sent LVNV Funding LLC. I have listed the Violation in the following Statement below : * I sent LVNV Funding LLC an Affidavit ( Statement Of Facts ) to Validate this XXXX XXXX debt they say I owe. LVNV never responded to my Affidavit and I have attached the affidavit for your viewing. They sold are assigned my debt to another Collection Company. This transferring of unverifiable debt to another collection agency without validating the debt is a violation XXXX My 2nd issues is if LVNV Funding LLC who is reporting this debt on my credit report. Plus claiming they own the right to this debt. So, why are they refusing to validate this debt? * 3rd issues is that I received a letter from XXXX XXXX XXXX trying to collect on the Same debt LVNV Funding Services LLC refused to Validate. XXXX XXXX XXXX is also claiming in their letter that they are collecting the debt for LVNV Funding LLC, but LVNV Funding LLC refused to Validate the Affidavit of dispute of the debt I sent them. If LVNV Funding LLC can not Validate the debt. How can XXXX XXXX XXXX Validate the Debt? These Collections Companies that are using these illegal tactics of not validating a debt then transferring the debt to another collection company that is a violation of the FDCPA. Why, didn't LVNV Funding LLC Notify XXXX XXXX XXXX that I XXXX XXXX requested the validation of the debt before transferring the debt? The FDCPA requires a cease of all collection activity until the debt is validated. But LVNV Funding and XXXX XXXX XXXX are trying to manipulate the FDCPA. By LVNV Funding LLC. transferring the debt to XXXX XXXX XXXX but, having XXXX XXXX XXXX collect the debt for LVNV Funding LLC without validating the debt. These are Major FDCPA Violations. Please investigate these illegal tactics and violations these 2 collection agencies are involved in. Thank you for all your help.
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2019-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX of 2019 LVNV Funding LLC inaccurately and irresponsibly reported multiple debts in collections to my XXXX, XXXX, and XXXX credit reports. I learned that LVNV Funding LLC has been furnishing debts bought from XXXX XXXX XXXX and attempting to collect these invalid debts from me. I responded to LVNV Funding LLC & XXXX XXXX on XX/XX/2019, XX/XX/2019, and XX/XX/2019 via certified online mail with a cease and desist letters and I also sent a certified letter asking them to furnish proof of standing. They both have failed to respond to either of my requests. Due to their negligence and inability to accurately respond to my requests, I will be pursuing legal action against XXXX XXXX and LVNV Funding LLC. My family and I are in the middle of purchasing a home. This behavior is unacceptable. The failure on behalf of the creditor, XXXX XXXX and collection company LVNV Funding LLC have cause great pain for my family and I. Here 's a copy of my latest letter " XX/XX/2019 ( Removed for publishing purposes ) LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Re : Acct # ( Removed for publishing purposes ) To Whom It May Concern : This letter is regarding account # ( Removed for Publishing purposes ), which you claim I opened XX/XX/2019. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : ( removed for publishing purposes ) P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX ''
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have sent three letter to LVNV Funding with the last being a certified letter on XXXX XX/XX/XXXX. They will not provide me with any information and keep raising the collection on all three of the credit reporting agencies. I fully claim that this account was opened without my consent, permission or knowledge. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX To Whom It May Concern : This 2nd letter, ( certified/receipt return ), is regarding account # XXXX, which you claim a DEROGATORY condition on all three credit bureau reports and that I owe {$970.00} on an account that was opened on XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX KY XXXX SSN- XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim a DEROGATORY condition on all three credit bureau reports and that I owe {$970.00} on an account that was opened on 06.01.2015. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continued non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Your Name ( printed not signed ) Your Address SSN P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. CC : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX Thank you, XXXX XXXX XXXX
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Sent FTC violation with the police report and inaccurate information on my credit report fcra violations
Company Response:
State: TX
Zip: 77705
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this complaint is against resurgent capital. they are reporting a debt to all 3 cras that belongs to a XXXX XXXX im XXXX XXXX ive tried to resolve it though credit bureau disputes and the XXXX but there holding tight to this incorrection.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I requested debt validation on a debt that is reporting inaccurately on my credit report. LVNV FUNDING LLC/RESURGENT CAPITAL SERVICE account # XXXX**** I received a letter dated XX/XX/XXXX stating VERIFIED. XX/XX/XXXX I requested METHOD OF VALIDATION. I then received a statement. I did NOT request a verification, an old bill or an account summary. I requested debt validation ( proof that I owe the debt. I received a statement once again. XX/XX/XXXX I sent another letter certified which was received XX/XX/XXXX signed by XXXX XXXX. No response as of XX/XX/XXXX. XX/XX/XXXX I called XXXX, spoke with a " XXXX ''. Explained everything above. XXXX advised me to contact LVNV FUNDING directly. I tried calling LVNV but wasn't able to speak with a live agent. As a consumer Im furious that both the credit bureaus and this collection agency ( LVNV ) continues to stall me out. Im seeking immediate attention as it should be handled in a timely and accurate manner. I demand this inaccurate reporting be REMOVED/DELETED from my credit file immediately.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 30 days ago I sent a dispute letter to LVNV FUNDING LLC asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.
Company Response:
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A