Date Received: 2017-06-06
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: Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by CB I d isputed the following charges on my credit report with XXXX , XXXX , and XXXX i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and th e all ( 3 ) CB could not show me a verified contract and the balances still remain on my report XXXX XXXX XXXX - Acct # XXXX - reported bal {$820.00} XXXX XXXX - Acct # XXXX reported bal {$2900.00} XXXX XXXX XXXX - Acct XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct XXXX - reported bal {$380.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXX - reported bal {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX - Reported bal {$250.00} XXXX XXXX XXXX XXXX -Acct # XXXX - Reported bal {$390.00}
Company Response:
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: name LVNV Funding LLC, XXXX XXXX XXXX XXXX XXXX SC Re subject CC account number # XXXX, ref # XXXX to whom this may concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of XXXX I prefer a " true bill '' but will accept a statement [ by XXXX XXXX ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form. please be advised you are also in violation of information breach, as i will provide the applicable law [ s ] in my next complaint thank you very much, XXXX XXXX
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2017-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX XXXX 2017 I submitted a written request for validation of the debt under the Fair Debt Collection Practices Act. Specifically I requested the following required information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent Their response provided me only the information on their debt collection letters and my credit report and non of the requested required information. At this time they are in violation of the FDCPA. I request they be ordered to stop all debt collection attempts and remove this item from further credit reporting.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2017-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: For account number # XXXX I respectfully request Resurgent capital Services, LP to provide me with competent evidence that I have any legal obligation to pay you. I am requesting the following verification : I need proof of both the original debt agreement with my signature indicating that I agreed to pay Resurgent Capital Services, LP and any payment history and any payment methods you have on file indicating that I made payments to Resurgent Capital Services, LP. ( Checks, debts, or money orders payments ) , Furthermore I am requesting that you provide me with any telephonic recording between Resurgent Capital, LP specifying that you established a verbal agreement with me to collect on the alleged debt.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Pinna cle LLC c/o Resurgent Capital Services is a debt collector for XXXX XXXX . They have never sent me any invoice bearing my signature that I initiated a contract with them for this service they are trying to collect on. I am a current customer of XXXX XXXX and at no time have I ever been informed that I am being held responsible for a debt in the amount of {$980.00}. I have sent certified letters to this company asking for them to verify this debt by sending me a copy of the original agreement or contract bearing my signature that binds me to this debt. In resp onse Pinnacle has sent me copies of phone bills but no contract. According to the FDCPA, a debt that is accrued without a binding contract bearing one 's signature can not be reported to credit bureaus as accu rate information. So therefore Pinnacle LLC is breaking the law by reporting this inaccurate information and the credit bureaus need to be aware of these fraudulent activities because they are also breaking the law by having false information being reported according to the FCRA.
Company Response:
State: CA
Zip: 93933
Submitted Via: Web
Date Sent: 2017-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A few months ago i noticed a collection account on my credit reports from LVNV Funding. I had nev er received any communication from this company and my attempts to send them debt verification letters yielded no results. I had attempted to contact them in XX/XX/XXXX and then again in XX/XX/XXXX and got no response. Every time I dispute this account with the XXXX credit bureaus it always comes back verified.
Company Response:
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2017-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV Funding fi led a lawsuit XXXX requesting payment of {$5800.00} for a motorcycle that was repossessed in XXXX . A settlement was agreed to in the amount of {$2500.00} and payment was paid in full on XXXX / XXXX / XXXX . LVNV Funding ha s not furnished any confirmation the settlement has been paid in full and still continues to report on XXXX and XXXX a delinquent account. This report has negatively affected my attempt to refinance my current mortgage.
Company Response:
State: CA
Zip: 93657
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: LVNV Funding sold my previous credit card debt to another company and is still reporting on my credit report stati ng that I owe them. I have disputed this several times and it was removed. This company continues to report this debt to my credit causing my score to decrease
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2017-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have done several complaints regarding a debt thru XXXX XXXX XXXX and theservicer of the account Resurgent Capital Services. They have the opened date as XXXX XXXX but that is the date they bought the debt. My original creditor XXXX charged it off on XXXX XXXX XXXX and my last payment on this account XXXX XXXX , XXXX as they have clearly stated in the letter I have attached but they will not change the date in XXXX an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2017-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A