Date Received: 2017-04-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I submitted a letter to the credit bureau on XXXX / XXXX / 17 , XXXX / XXXX / 17 and XXXX / XXXX / 17 in regards to a collection that is reporting on my XXXX report. I also submitted the consumer a letter on XXXX / XXXX / 17 and they responded back on XXXX / XXXX / 17 and the letter states if they have furnished information to any credit reporting agency on this account, a request is being submitted to the credit reporting agency to delete that information. The credit bureau responding on XXXX / XXXX / 17 stating my dispute is still pending, received another report dated XXXX / XXXX / 17 stating the collection was updated and received another report dated XXXX / XXXX / 17 stating the information I disputed has been verified as accurate. On each of my letters i advised the consumer and bureaus to please send me copies of the documents that they have in their files as of this date ( of each disputes ) that they used to verify the accuracy of this account. The consumer and credit bureau fail to disclose any information that I requested to validate this accuracy under the Fair Credit Reporting Act. The account is still showing as a negative impact on my XXXX credit report and I have not received any validation. I would like for this item to be dele ted due to they fail to provide me documentation. I have never consult or sign and documents with this company Pinnacle LLC/Resurgent, which is also going to be a HIPAA violation.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have repeatedly requested that Pinnacle LLC / Resurgent provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Company Response:
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2017-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Contacted collection company, LVNV FUNDING LLC twice in the last couple of months ( between XXXX XXXX - XXXX XXXX ) to try to get some information on a collection account that was on my credit report. Spoke to the agent and said I was going to dispute the issue because I did not open a credit card with XXXX XXXX XXXX which debt amount is {$710.00}. I wanted to know when the account was open, if the bank statements could be made available, etc. The agent said a package would be sent out with all of the information I needed. Months later still no package and I have not been contacted by a collection agency.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed XXXX accounts with XXXX XXXX with the XXXX major credit reporting agencies. The results of the dispute was that the accounts from XXXX XXXX were removed XXXX file number XXXX , XXXX # XXXX and XXXX # XXXX . The XXXX XXXX accounts were removed. However, beginning in XXXX 2017 a new company calle d LVNV FUNDING, LLC b egan collections on the removed accounts. The accounts were already removed by XXXX XXXX and should not be reflected by a different company.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Ive tried disputing online before it supposedly came back verified i also sent a letter directly to the company however i noticed that this company is not bonded in the State of Texas and can not legally collect debt.
Company Response:
State: TX
Zip: 75771
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have asked what was my original creditor they will not tell me. They just tell me the amount I owe. It says I owe {$1300.00}, but I paid an amount of it in 2016. I f I do not know which creditor it was before LVNV Funding LLC than how do I know it is a real debt collector I owe?
Company Response:
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is regarding an old installment loan with XXXX XXXX . The account was turned over to a collection agency LVNV FUNDING whic h is reporting negatively on my credit reports. LVNV is not bonded in the State of Texas to pursue collections. I entered the name and address on the Secretary of State website for debt collectors and was unsuccessful at locating a bond for this agency.
Company Response:
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: LVNV FUNDING LLC placed an incorrect credit information to XXXX . If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I have been working with Resurgent Capital Services ( XXXX ) for months to obtain detail on a debt improperly sold to them by XXXX XXXX . Despite XXXX 's refusal to discuss details of an account sold to an external collector, I was able to escalate the matter to several supervisors and a Department XXXX in XXXX 's XXXX Department. I was able to ascertain the debt was assessed due to an improper billing of usage fees and an early termination fee ( ETF ). Both were waived and the account was settled at or around XXXX of XXXX . XXXX did not update their system and sold the account to a debt collector without proper notification. I had to research this on my own because, despite promises to do so, XXXX has not. Resurgent claims to have initiated an investigation into the matter upon my request, but cited little more than having a XXXX billing statement as definitive proof that I owed the debt. This is categorically false : it is proof of XXXX 's claim, not proof of the debt. Resurgent refuses to discuss the details of their " investigation '' beyond that. I asked for the XXXX customer service call logs and service records to be reviewed and discussed. I maintain that verbal discussions and agreements were reached with XXXX , prior to the sale of the debt, that resulted in a zero balance owed. I have verified that the details of these agreements are retained by XXXX . I also requested Resurgent o btain copies of such detail along with records of service interruptions, dropped calls, and complaints from other customers to substantiate my claim that I was billed for services not provided and violations of the XXXX XXXX XXXX agreement with XXXX . This information exists and is available to Resurgent. Due to the lack of ethical pursuit of debt validation, and the verbal agreements reached with XXXX XXXX , I am looking to immediately remove the falsely reported collection from my credit report as Resurgent does not possess the necessary evidence to support their debt claim under the Fair Credit Reporting Act and has not complied with the requests for information substantiating their false claim of debt. I have initiated reviews with all three credit reporting agencies as well.
Company Response:
State: MI
Zip: 49505
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted Lvnv funding LLC several times in an attempt to get validation of debt. I never received anything validating the debt but yet the credit bureaus keep reporting that the debt comes back verified. The only communication I have received is an attempt to settle for XXXX instead of a full balance of {$310.00}.
Company Response:
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A