Date Received: 2017-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: LVNV Funding LLC/Resurgent Capital Services has reported a negative account on my credit reports with XXXX, XXXX, and XXXX. I do not have a contract with them. I am not responsible for this debt. I have disputed this account a couple of times, and LVNV/Resurgent Capital Services refuse to delete this inaccurate information from reporting on my credit.The original creditor is XXXX who sold this to LVNC/Resurgent Capital Services. Account # : XXXX for {$190.00}. They have not properly validated this debt with a signed contract and my signature. This is unfair debt collection practices. I have no contract with this company. Delete off of my credit.
Company Response:
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The collection company LVNV Funding, LLC on behalf of XXXX XXXX XXXX. is trying to collect a debt that I do not owe. The amount they claim is {$16000.00} from XXXX 2017. I send letters to LVNV Funding, LLC asking them to verify this debt and they could n't verify it. They still report this collection account as mine to credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XXXX XXXX, 2017 a collection account was placed in my file with the credit reporting agencies by Pinnacle LLC C/O Resurgent Capital Services. I was not informed in writing of this debt before it was placed on my account. Under the FDCPA a collection agency is required in written communication with the following information : written notice of debt, the amount of debt, the name of the original creditor and a statement describing my right to dispute the account and 30 days to dispute the validity of the debt. In addition I do not have a contract with Pinnacle LLC C/O Resurgent Capital Services.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2017-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I never received notice from LVNV that I was being pursued for a debt. I did not sign any contract for services not any contract with LVNV. Because o was not advised of my rights to dispute I paid a settlement to LVNV however o am not liable for any debt to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I send a copy of XXXX XXXX, XXXX credit report online today an notice a negative collection account by LVNV FUNDING, LLC., for {$110.00}. I never received any notice from this company about the alleged debt or my right to request validation.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: IN XX/XX/XXXX A DEBT COLLECTION COMPANY CALLED ME ABOUT A XXXX XXXX CREDIT CARD ACCOUNT WITH A BALANCE OF {$670.00}. I DISPUTED IT AS IT WAS NOT MY ACCOUNT. THEY REMOVED IT FROM MY CREDIT REPORT. IN XX/XX/XXXX I RECVEIED A LETTER FROM LVNV FUNDING SAYING THEY RECENTLY AQUIRED THE ACCOUNT AND WERE NOW TRYING TO COLLECT THE {$670.00}. I EXPLAINED AGAIN THAT THIS WAS NOT MY XXXX XXXX ACCOUNT, I CURRENTLY HAVE 2 XXXX XXXX ACCOUNTS IN GOOD STANDING BUT THIS ONE WHICH WAS OPENED 3 DAYS AFTER MY CHAPTER XXXX BANKRUPTCY WAS DISCHARGED ( WHICH MAKES EVEN LESS SENCE ) IS NOT MINE. I CALLED XXXX XXXX AND THEY SAID I HAD TO SPEAK TO THE COLLECTION AGENCY. I WROTE LVNV FUNDING A LETTER DEMANDING PROOF ( STATEMENTS, APPLICATION ) SOMETHING TO PROVE THIS WAS MY ACCOUNT AND I 'VE GOTTEN NOTHING. THEY 'VE NOT RESPONDED TO MY LETTER AT ALL. I WANT THIS REMOVED FROM ALL 3 OF MY CREDIT REPORTS ASAP AS I 'VE BEEN FIGHTING THIS FOR YEARS NOW AND IT KEEPS POPPING UP. THIS IS NOT MY ACCOUNT, AND NO ONE CAN SEEMS TO PROVE THAT IT IS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33967
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I 've recently got a debt removed from my XXXX credit report with XXXX XXXX due to identity theft. Now as of XXXX XXXX 2017 it has been added on under a different collections company name PINNACLE LLC/RESURGENT and the amount is {$1500.00}.
Company Response:
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2017-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX . I have Attempted to verify debt. But instead they just switch it to one of the 6 or so other companies they own and have them start harassing me instead of verifying debt. Basically they keep passing it around. I first tried to get this verified in XXXX of XXXX and I did not hear anything for a while. Again I tried to get it verified last ( 60 days ) from an online monitoring program and have yet to receive any verification. Instead a letter threatening to sue for a debt that they have yet to verify is even mine to begin with. Never providing verification of the debt per FTC guidelines. When I look at my credit report they also have it as a new account. I never entered into any business with them. Per the rules of the FTC if there is a debt it needs to also be reflective of the ORIGINAL creditor. Instead they are making up dates as they go which negatively effects my credit rating.
Company Response:
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted the company many times in regards to this. I do not owe this and have never had an account or contract with this company. I have contacted the Better Business Bureau as well as all of the Credit Bureaus in regards to this. I have not received validation of this debt and want it removed from my Credit Bureau accounts immediately ( XXXX, XXXX as well as XXXX ) and I want all contacts with this company to stop. They have contact family members in regards to this as well as given out information that should not have been given in regards to this to individuals that are not myself. They are also not licensed to collect in this state. They was supposed to remove this information from my credit bureaus already and they did then put it back on there. And never notified me. Thank you very much.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I was contacted and informed by the debt collection company that a lawyer will be contacted and they will sue me for debt owed. Lvnv funding LLC {$640.00} XXXX XXXX 2017.
They were removed from my credit report and placed back on there.Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2017-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A