Date Received: 2017-10-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I received a settlement letter for a debt of XXXX from XXXX on behalf of XXXX XXXX the letter said I could settle my debt by paying them XXXX. By paying this amount XXXX would close the account and contact the 3 credit Bureaus and remove the negative collections from my record informing them this had been settle. After that I notice the negative collection was removed. So I was happy about this.. XX/XX/XXXX rolls around and I see the same account with now an amount of XXXX posted to my credit report as an open account with XXXX XXXX in collections. I reach out to the XXXX number on my letter and the woman on the Phone says that they are no longer XXXX they are now call resurgent capital out of XXXX SC. I went ahead and told her that I notice a closed account that I had remove from my credit report was now showing back on the credit report. I informed her of my settlement with XXXX and provided her with a confirmation. She went on to say that they bought these debts account from XXXX and that although my account was settle with XXXX on behalf of XXXX XXXX that in their record my account was still showing open so they reported back to the credit bureau and that they could not help me in removing this negative collection from my records. I ask how could they buy closed accounts that were settle at one company and try to recollect additional money from the consumer. She had no answer and informed me that her company does not remove settle collections from the credit bureau even if they are settle. Why would I be told that this was to be removed by XXXX then remove from my credit report to be sold to another company and reprocess again as bad debt. How are these companies allowed to do this. And how is the credit bureau protecting the consumer from such fraudulent processes. This is fraud in so many levels. I believe this should be investigated
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Contacted them several times for validation of debt and received no response. Also notified the XXXX credit bureaus of the inaccuracy. In addition to that information i also found the following link in reference to this company .... https : XXXX
Company Response:
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2017-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV Funding received notice the end of XX/XX/XXXX advising that the account that was in their possession was not opened by me. It is now XX/XX/XXXX and they refuse to remove the account. I have been negatively affected and denied for product due to this issue.
Company Response:
State: SC
Zip: 29506
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed on my credit report that LvNV funding LLC has that I owe XXXX this account does not belong to me and I 've disputed multiple times. They have n't gotten in contact with me either.
Company Response:
State: NC
Zip: 27537
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: FCPA AND FDCPA BUREAU DISPUTE VIOLATIONS COMPLAINT AND DEMAND REMOVAL OF INACCURATE INFORMATION ON THE 3 CREDIT BUREAU FILES ( XXXX, XXXX and XXXX ). DEROGATORY, DEFAMATORY AND SLANDERING INFORMATION REPORTING ON CREDIT OF XXXX XXXX TO THE 3 CREDIT BUREAUS ON ACCOUNT # XXXX. This is an attempt to validate a debt, against by XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX was advised that certain documentation was requested to make a physical inspection and enable me to verify and witness the same in order to prepare a defense that, I may study all evidence regarding this matter within 30 days. Spoke to XXXX on XX/XX/XXXX and she requested fax the denial of credit Notice and Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt to Fax XXXX Ive also mailed the notice. Furthermore, on XX/XX/XXXX I mailed out NOTICE AND INTENT TO SUE, DEMAND FOR PAYMENT, as well. As, this request has not been honoured. XXXX XXXX XXXX defaulted but continues to report negative information on my credit report and make demand payments from me. This was an attempt to validate a debt, against XXXX XXXX XXXX the parties of which collectively be known as a " third-party debt collector '', under the Federal Debt Collection Practices Act ( hereinafter FDC PA ). I was exercising my legal right to validate a debt that this agencies claim is owed. XXXX XXXX XXXX has report false, derogatory, defamatory and slandering information about to the credit Bureaus on account # XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate information!!! My letters was XXXX XXXX XXXX only chance to settle this matter before XXXX XXXX filed a complaint and lawsuit against this company. XXXX XXXX XXXX decides to ignore my demand for Validation. XXXX XXXX will further pursue all of my legal remedy without further notice to XXXX XXXX XXXX. My attached letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a complaint and lawsuit. Reporting information to the 3 credit Bureaus XXXX, XXXX and XXXX is a VIOLATIONS of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ) and Privacy act. Over the past several months, I have tried to resolve this issue on XX/XX/XXXX and XX/XX/XXXX, but to no avail. XXXX XXXX XXXX must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, in order for XXXX XXXX XXXX to validate the debt FDCA, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of XXXX XXXX XXXX Tax Registration certificate or remove FALSE, DEROGATORY and DEFAMATORY from credit report! I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Attached credit report, denial of credit letter and Notices. Thank you for your assistance. Sincerely,
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: LVNV Funding is in violation of the FCRA ( fair credit reporting act ), due to their failure to accurately report correct dates regarding time barred debts. This includes them re-aging accounts based on the date they purchased the account and not reflecting the last date of last activity. This has caused undo harm, as it makes these accounts appear more recent than they truly are. Due to their lack of abiding by FCRA, they in turn are causing negative reporting on my credit report. These should be removed from my credit report.
Company Response:
State: AR
Zip: 72015
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have sent letters out multiple times and nothing has been done to address my issues. I have not received any correspondence from the bureaus.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 1. ) XXXX XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX. Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Contacted by Resurgent Capital Services via Mail regarding a XXXX Debt to XXXX via XXXX XXXX account. Debt is outside Statute of limitations for debt collection for NY State and I was already sued in XXXX and WON against a prior junk debtor affiliated with Resurgent, LVNV Funding. LVNV could not establish chain of custody and was not the original debtor. Also was outside of SOL so the case was dismissed. It seems they are trying to take another bite at the apple and the letter states that " court rules require that you tell the court that the SOL has expired to prevent the creditor from obtaining a judgement ''. So I have to spend time and money to write a letter on something that was already dismissed but since the debt was sold to a partner of LVNV they can again try to do this to me? It seems there are really no protections for customers.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent four letters via USPS Certified with Return Receipt to XXXX. None of them have received a reply. The last letter was sent to both customer service and their executives to ensure that indeed the letters were being received. The USPS tracking numbers are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX & XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Be aware, I am NOT inquiring about validation. I am inquiring about why XXXX claims they replied with validation to my initial BBB complaint when that can not be the case. I had the wrong account number and wrong original creditor listed. XXXX sent validation for a completely different account and Id like to know why this happened as Im sure XXXX understands replying with the wrong account information is a serious problem.
Company Response:
State: CA
Zip: 91748
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A