Date Received: 2019-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. Case # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM. This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX XXXX, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to deploy for 90+ days. XXXX XXXX verified this with me, via phone. No calls, no letters, nada. Until a collections letter from XXXX XXXX, XXXX. XXXX sold the original account, to XXXX XXXX XXXX , XXXX, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt. XXXX XXXX XXXX , XXXX, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA. The latest servicer is Resurgent Capital Services, who responded to my previous CFPB complaint, that they would not contact me. But they did. They sent a verification of debt that DOES NOT verify the debt at all. It's just dates with amounts. No explanation of what the amounts due are for. Nothing. As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever. If XXXX XXXX XXXX , XXXX. wishes to continue to pursue this matter, either via their company, or a " servicing '' company, I will have no choice but to obtain legal services.
Company Response:
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2019-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX has inaccurately reported my account with a balance of {$710.00} dollars. It accurately reports there were no late payments and the account was closed in XX/XX/2017. My credit report is showing this account as a charge off. The account was sold to XXXX XXXX. Please investigate further.
Company Response:
State: MD
Zip: 21221
Submitted Via: Web
Date Sent: 2019-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have been trying to obtain any documents about the debt in collection and all I am being told is to enter a settlement with them.
Company Response:
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My original date of disputing this account with the credit bureaus was XX/XX/XXXX. On XX/XX/XXXX I contacted the debt collection agency named LVNV FUNDING to advised them that the account they are reporting to XXXX is fraud and does not belong to me, and that I am a victim of identity theft, and asked them to stop reporting the fraudulent account to my credit file and to remove it from my credit file or report it as does not belong to me, so that XXXX can delete it. They advised me to send in documentation such as : Police report with the disputing acct number on it and its origination date. Proof of identity. Tax returns showing my address, and a written letter explaining why I was disputing the item. I faxed all supporting documents to them on XX/XX/XXXX. As of XX/XX/XXXX, LVNV FUNDING reported this fraudulent account back to my credit file with XXXX again. They keep reporting that it belongs to me, when in fact they have no proof it belongs to me. This item has been removed off my credit file with two other bureaus. But for some odd reason, LVNV is reporting that is belongs to me with XXXX. I have been disputing this account since XX/XX/XXXX.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, I got a letter from XXXX XXXX XXXX XXXX , XXXX. saying that a judgement against me was in place by their client LVNV Funding LLC. and the original creditor was XXXX XXXX XXXX XXXX. As of the date of the letter the amount owe is XXXX ... ________________________________________________________ OnXX/XX/XXXX, I sent my dispute to XXXX XXXX XXXX XXXX , XXXX . The verification sent to me on XX/XX/XXXX didn't prove I owe this debt. a copy of a credit card account with XXXX XXXX card services that didn't have my information. A copy of a default judgement dated on XX/XX/XXXX with State of New Mexico County of XXXX XXXX XXXXirst Judicial District Court .the balance was XXXX. court costs {$160.00} and Attorney 's fees of {$200.00}.
Company Response:
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have called several times trying to solve this account. I filed section 129.21 in XX/XX/2018 I tried working with XXXX XXXX who refused to help. I just talked to the original debtor last Thursday and was told the collection agency need to contact them about removing my account from the credit bureau. I keep getting the run around.
Company Response:
State: WI
Zip: 54016
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A written request for validation of debt was sent to LVNV Funding, LLC requesting validation of any legal responsibility owed to them, signed contracts, statements from the original creditor, proof of amounts owed to original creditor. Etc. LVNV Funding and Resurgent Capital Services failed to provide the proper documentation.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reported to the FTC about a Name being listed on my credit report as if it was my name, it states also known as. This name is associated with an account that was opened with XXXX XXXX XXXX and then sold to LVNV funding, they are now reporting this name and this account on my personal credit report with XXXX, XXXX and XXXX XXXX have removed this account already, but XXXX has not and the collection agency continues to report this account as mines even though the names are similar but different. I t is affecting my ability to raise my credit and look responsible to employees and creditors, I would like it removed. The account was opened inXX/XX/XXXX for the amount of XXXX, I disputed this account back inXX/XX/XXXX andXX/XX/XXXX, I also included a statement on my credit report and file.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I never received a bill from XXXX XXXX credit card company. They then closed my account but continued charging me fees. I paid the original amount due. My bank cashed a check in the amount of {$52.00} on XX/XX/, 2018. They ( XXXX XXXX ) sold this note to another company. That company ( Resurgent Capital Services ) failed to do anything to resolve this issue and refuses to acknowledge that I paid anything to XXXX XXXX even though I got a letter from my bank confirming the payment. Resurgent continues to pursue me and refuses to take this off of my credit report.
Company Response:
State: TN
Zip: 37921
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Resurgent Capital Services/ LVNV Funding LLChave expired/do not possess a valid license for Debt collections in the state of TN.
Company Response:
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A