Date Received: 2018-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX received a letter from XXXX XXXX dated XX/XX/18 stating that I owe them a debt of {$680.00}. Furthermore they are admitting that they bought the debt from another agency named XXXX XXXX. I have no knowledge of either of these companies and I'm positive that I don't have a contractual agreement with either of them to pay them any amount. I fully believe that this is not my account or is a case of mistaken identity. I also request full validation of the debt from XXXX XXXX. Either way I'd like this account immediately and permanently " deleted '' from any credit bureaus or reporting agencies as I am positive that my rights are being violated. Thanks.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I'm not sure what's going on, but I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: LVNV FUNDING LLC Open Date XX/XX/2018 Amount {$590.00}
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I don't have any accounts with this company and have never done business with them. This information should not be on my credit profile. I reached out to have the account closed but it still appears on my profile.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I submitted dispute through credit bureaus and they advised the debt was not mine. Then I contacted company via telephone and advised them that the debt was not mine and they advised me to file a police report, verified my address and updated it in there files. Not sure how to file a report on something dated XX/XX/XXXX,XX/XX/XXXX. Then I sent two validation letters to the company requesting validation of debt, one XX/XX/XXXX, one XX/XX/XXXX and I received account summary report which is not validation/proof that I obtained the debt.
Company Response:
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$650.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/18 I filed a dispute in regards to several incorrect items that were on my credit report. Most of the items have already been corrected. However, the erroneous collection from XXXX XXXX XXXX for {$9600.00} has yet to be removed from my XXXX report. I have had no business dealings with this company, nor have I signed a lease or any type of rental agreement with this company. I have already contacted XXXX and XXXX about this matter and after their investigations they both found that the record was invalid and removed the collection from my record. On XX/XX/18 I received a letter from them stating that they can't sue me because the account in question is too old. I have called XXXX on multiple occasions disputing the collection. I also sent them a certified letter stating the same. I am in the process of purchasing a house and this is the only thing holding it up. It would be greatly appreciated if you could look into this matter and get this closed, so I can get it removed from my report. Thanks so much for your help and I hope you have a great day
Company Response:
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe the XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was checking my credit report and saw i had a collection account with this company, I've never had any dealing with this company. I've different tactics such as a debt validation letter asking them to provide my signature as well as with me giving my permission to share my information with a third party as well as contacting them to remove this negative reporting item from my credit report and I've received no solution
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2018-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX RESURGENT CAPITAL SERVICES L.P. account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau XXXX XXXX XXXX the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.
Company Response:
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2018-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A