Date Received: 2017-10-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: LVNV debt collection agency has responded with a statement saying they notified me via mail on XXXX/XXXX/XXXX ... I am providing documentation of a lease agreement with XXXX XXXX in XXXX XXXX where I moved to on XXXX..and I am employed with XXXX XXXX. Therefore, I was NOT notified of debt and LVNV is making a false accusation. The amount of {$1000.00} has been reported to all 3 credit bureaus and done so without notifying me of debt in their possession prior to the report to the credit bureaus.
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-12
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 letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2017-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I 'm a victim of debt collector abuse. XXXX XXXX uses unlawful tactics to manipulate consumers in paying a debt that is inaccurate. The harassing phone calls, letters, and figures that daisy on my credit report. I 've tried multiple times to dispute the monies due for {$580.00}. I 've contacted this company and even tried to negotiate a settlement or pay in full to have this debt deleted from my credit report. They were short and declined any offer. The representatives I spoke to to had no knowledge of my account or how to handle the situation instead of transferring me to other people. I am going to be inclined to hire an attorney to have this company compensate for my losses and settle this dispute. There is no reason for consumer to be attacked by such debt collecting companies.
Company Response:
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have an account that is showing in collection status for a former debt owed to XXXX XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX. I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender XXXX. I dont owe the bill twice and ask that the XXXX showing as collections from another law firm for XXXX be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error. I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt. .Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this XXXX XXXX was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2017-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received at letter from XXXX XXXX XXXX XX/XX/2017 informing me that they represent Resurgent Capital Service for a debt 0f $ XXXX.I never have acct, loan or credit car from Resurgent Capital Services.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am filing a case against XXXX. They are a debt collector that I have had been having several problems with. They are currently reporting to the credit bureau that I owe them a balance. Every few months, they errenously report a change in the balance ( usually by {$1.00} or more ) which also negatively shows on my report. I have also written them several letters asking them to verify the debt ( which they have failed to respond to ). Companies have 30 days in which to verify the debt ( which they ignored ). They have also failed to report it accurately ( the amount changes and the fact that the initial debt isnt mine ). They have 2 accounts, form XXXX funding and they need to cease collections and clear the credit report.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called XXXX XXXX XXXX to tell them this wasnt my account they ran my social security number and agreed it was not mine and said that they would take care of it. Its still on my credit report and is also showing up in collections with a company called LVNV FUNDING LLC. I mailed a dispute letter to them and XXXX XXXX XXXX and its still on my report and its obviously not my account.
Company Response:
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a signed contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for this collection from this debt with XXXX XXXX. I am not responsible for this debt with LVNV FUNDING LLC.
Company Response:
State: LA
Zip: 71112
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I recently had a debt removed from my credit report. It was removed but also put back on. I did not receive a notice from the company that is was going back on my credit report.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A